kbesada

Annuities take a substantial chunk of net investment in Mortaliity/Expense charges and administrative fees. However, they accumulate tax deferred.

Mutual Funds take a substantial chunk of net investment in S/T and L/T capital gains within the management of a fund and also via dividend distribution. All of which we get a 1099 for.

Both have relativley similar tax treatment upon dispersal/withdrawal.


DOES ANYBODY HAVE A CALCULATOR OR KNOW HOW TO CALCULATE THE NET DIFFERENCE BETWEEN THE TWO assuming the same gross investment return?

I know that every annuity carries different expenses and every mutual fund sells stocks at different rates than others. Is there an answer to this question. I am trying quantify the difference between sheltering the investment from taxes during accumulation vs. getting a 1099 every year on a mutual fund.

HELP ME.


Kenneth Besada
Insurance/Financial Services
EMAIL: Kbesada@FarmersAgent.com