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How much should I pay into my pension? These fee structures can be complex and unclear. Insurance agents and others who sell them may tout the positive features and downplay the drawbacks, so make sure that you ask a lot of questions and carefully review the annuity plan first.
Before you invest, you should compare that fee structure with regular no-load mutual funds , which levy no sales commission or surrender charge and impose average annual expenses of less than 0. It's also important to understand that earnings you withdraw from an annuity will be taxed as ordinary income, no matter how long you have owned the account.
The maximum income tax rate today is Ultimate guide to retirement.
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