You know there are advantages to tax-deferred savings, but do you know how much
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- Please note that an increased level of risk to principal is typically associated
with higher rates of return. Also, rates of return will vary over time, particularly
for long-term investments. Based on historical average rates of return for the various
asset classes (e.g. stocks, bonds and short-term liquid instruments), a rate of
return outside the range of 2%-20% may be an unrealistic assumption.
- Based on historical rates of inflation, an inflation rate below 2% may be an unrealistic
- The schedule of federal tax rates is provided for illustrative purposes and may
change over time. The illustrations do not reflect the effect of state and local
income taxes, which can have an impact on a payout option.