Guaranteed Growth Strategiessm multi-year guaranteed fixed annuity
Grow retirement savings and preserve capital
Growth is nice. Stable, tax-deferred growth can be even better.
How does it work?
Enjoy guaranteed growth.
Our multi-year fixed annuity can be ideal if you want your investment to grow in a stable, tax-deferred way. With a guaranteed interest rate, your fixed annuity starts growing on day one, tapping into the power of compound interest for long-term, low-risk appreciation.
Protect your principal.
Equitable’s Guaranteed Growth Strategiessm multi-year guaranteed fixed annuity offers protection as its best weapon. With it, your principal and interest remain safe, growing steadily and safely regardless of market conditions.
Take advantage of tax deferral.
If you leave your money invested, your money earns interest, and your interest earns interest. If you start taking withdrawals in your retirement years, you may be able to take advantage of a lower income tax bracket.
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1 Interest rates are guaranteed for the selected guarantee period.
Guaranteed Growth Strategiessm with Market Value Adjustment (MVA) (Guaranteed Growth Strategiessm) is an annuity, which is a type of contract with an insurance company. Annuities have an accumulation period and a payout period. During the accumulation period, the value of your annuity changes based on the type of annuity. During the payout period, the annuity makes income payments to you. Guaranteed Growth Strategiessm is a nonparticipating single premium deferred fixed annuity. This means that it is purchased with only one premium payment, and it does not begin paying income immediately; instead, it can begin paying income at a later date that you choose, up to the maximum maturity date. As a fixed annuity, it earns interest at a specified rate set by the insurer. Any money the annuity earns is tax-deferred, which means you won’t pay income tax on earnings until you take them out of the annuity. Please note that an annuity is a long-term financial product designed to help you save for retirement.
Guaranteed Growth Strategiessm offers an Initial Guarantee Period with a guaranteed rate of interest, which may be 3, 5 or 7 years, followed by Subsequent Guarantee Periods of one year each, which may have different applicable rates of interest. The Guaranteed Minimum Interest Rate may vary by state but will never be less than 0.15%. Interest rates after the Initial Guarantee Period may be higher or lower but not less than the Guaranteed Minimum Interest Rate.
Current federal tax law gives annuities special tax treatment. Generally, income tax on annuities is deferred. This means you are not taxed on any interest your money earns while it is in the annuity. Any withdrawal may result in a taxable distribution, which we will report to the IRS. In addition, you may also have to pay a 10% tax penalty to the IRS if you withdraw money before age 59½, unless an exception applies. Please consult with a tax professional for additional information.
With respect to IRAs and qualified plans that provide tax deferral under the Internal Revenue Code, please note that purchasing an annuity does not give you additional benefits, and you should purchase your annuity for its features and benefits other than tax deferral.
Guaranteed Growth Strategiessm is issued by Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC. Co-distributors: Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN) and Equitable Distributors, LLC. The obligations of Equitable America are backed solely by its own claims-paying ability.
Guaranteed Growth Strategiessm with Market Value Adjustment, Contract Form Number: 2024GGS-Z and any state variations; MVA Rider Contract Form Number: 2024GGS-MVA-Z and any state variations.
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