Variable Annuities

Supplement your retirement income and other long-range goals

Variable annuities offer another effective strategy when investing for retirement. For most investors, it's advantageous to make the maximum allowable contributions to IRAs and 401(k) plans before investing in variable annuities.

What is a variable annuity?

A variable annuity is a long-term investment designed to help you invest for retirement with flexibility, tax benefits and potential for growth. It's a contract between you and an insurance company that allows you to accumulate money for retirement while deferring taxes until you withdraw the funds.

During the accumulation phase, you make purchase payments allocated to various investment options (i.e., different mutual funds or fixed accounts). During the payout phase, you may receive your purchase payments plus investment income and gains (if any) as a lump-sum payment. Or you may choose to receive them as a stream of payments at regular intervals (generally monthly).

Who should consider a variable annuity?

Variable annuities are an appropriate investment for a wide range of investors. Consider a variable annuity if you:

Have maximized your 401(k) or IRA and are looking for other ways to save for retirement
Have acquired a lump sum payment (e.g., due to a divorce) and want to use it for retirement savings
Want a guaranteed income stream¹
Desire a variety of death benefit options

Why Evergreen variable annuities?

Evergreen Investments has partnered with well-known insurance providers to bring you a family of variable annuity products that can help meet your retirement goals. These products may provide many benefits (some at extra cost), including:

Unlimited contributions that grow tax-deferred
Guaranteed income stream¹ upon retirement
Periodic payments for the rest of your life (you don't risk outliving your assets)
Protection for your spouse or other beneficiaries (death benefit)

The Evergreen funds that serve as underlying investment options for these products may not be purchased directly. They are available only through variable annuity contracts or variable life insurance policies offered through separate accounts of the participating insurance providers.

Go to Variable Annuity Fund Holdings.

Find out more

An experienced financial advisor can help you plan for retirement and determine whether a variable annuity is right for you.

Have a financial advisor contact me.

Why do I need a financial advisor?

Income stream is subject to the claims-paying ability of the issuing insurance company.

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Past performance does not guarantee future results. The performance quoted represents past performance and current performance may be lower or higher. Investment return and principal value of an investment will fluctuate so that investors' shares, when redeemed, may be worth more or less than their original cost. Performance at NAV does not include the effect of sales charges. Performance includes the reinvestment of income, dividends and capital gain distributions.

An investor should consider the fund's investment objectives, risks, charges and expenses. This and other important information can be found in the fund's prospectus. Obtain a prospectus by calling shareholder services at 800.343.2898 before investing.

Variable Annuity Funds:
Not insured by FDIC or any federal government agency/May Lose Value/Not a deposit of or guaranteed by the bank or any bank affiliate.

Evergreen mutual funds may be offered only to persons in the United States and by way of a prospectus. This Web site should not be considered a solicitation or offering of any investment products or services to investors residing outside the United States.

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