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Learn how to make confident investment decisions after understanding the investments and accounts available to you, as well as their potential risks and rewards.
- Stocks and Bonds — Use a variety of "materials" to build your investment portfolio
- Mutual Funds and ETFs — Everybody into the pool—of money, that is
- Annuities — Insured retirement income solutions
- Life Insurance — Protecting those who matter most
- IRAs — Your personal, individual retirement account
- Employer Plans — Working towards a more financially-secure retirement
- Brokerage Accounts — Multiple investment options in one flexible account
- 529 Plans — A less taxing way to save for college
- Investment Risks — Make friends with risk and it can become an opportunity
- Diversification and Asset Classes — Protecting your investment eggs
You should consider the investment objectives, risks, and charges and expenses of any investments carefully before investing. The prospectus containing this and other information, can be obtained by contacting ING or your local representative. Please read the information carefully before investing.
Securities offered through ING Financial Partners, LLC (SIPC), 909 Locust Street, Des Moines, IA 50309.
This material is intended to provide accurate and reliable information on the subjects covered. It is general in nature and the strategies suggested may not be suitable for everyone. It is not intended to provide specific tax, legal or other professional advice. You should seek advice from your tax and legal advisors regarding your individual situation.
Investments are not guaranteed and are subject to investment risk including the possible loss of principal. The investment return and principal value of the security will fluctuate so that when redeemed, may be worth more or less than the original investment.
IRAs and other qualified plans already provide tax-deferral like that provided by an annuity. Additional features and benefits, such as contract guarantees, death benefits and the ability to receive a lifetime income are contained within the annuity for a cost. Please be sure the features other than tax deferral and costs of the annuity are right for you when considering the purchase of the annuity for IRAs or other qualified plans.Guarantees, such as guaranteed income benefits, associated with annuities are subject to the claims-paying ability of the issuer.
Variable annuities are long-term investments designed for retirement purposes. A 10% federal penalty may apply for withdrawals prior to age 59 ½. Money distributed from the annuity will be taxed as ordinary income in the year the money is received. Variable annuity subaccounts fluctuate with market conditions, and when surrendered, the principal may be worth more or less than the original amount invested. An annuity is not necessary for the plan’s favorable tax treatment, but offers other features which may be valuable to you. Annuities are subject to additional fees and expenses to which other tax-qualified funding vehicles may not be subject.
Before investing in a Section 529 plan, you should consider whether the state you or your designated beneficiary residein or have taxable income in has a Section 529 plan that offers favorable state income tax or other benefits that are only available if you invest in that state's Section 529 plan.
Subject to state availability, not all products are available in every state.
Diversification and asset allocation do not protect against losses or guarantee investment growth.
