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offered by RetireByDesign

We often refer to these products as CD annuities, as they operate like a bank CD, except that the interest earnings are tax deferred until you withdraw the interest. The base rate for the above offering is 5.50% with a 1.50% bonus the first year. It has a 6-year maturity.  However, if the renewal rate falls below 5.50% you can redeem your account with no exit penalties. For someone who needs a shorter maturity we also have a very attractive 6% rate guaranteed for 3-years.  


Fixed annuities are contracts that have penalties for surrender prior to maturity. Contracts offered by RetureByDesign are 36 to 60 months. The offer above allows 10% penalty-free withdrawals beginning year one until maturity. Earnings are tax-deferred until withdrawal. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty. Annuity guarantees are backed by the financial strength of the underlying insurance company.