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Live confidently
in retirement
Fixed income annuities through
Vanguard Annuity Access
1
Dependable income for life? It's not
too good to be true. Not when you
have an income annuityan annuity
designed to provide regular, reliable,
guaranteed payments.
With an income annuity, you make a
onetime investment in exchange for
predictable income payments that
can continue as long as you live.*
All you have to do is decide when
you want the payments to start and
how long you want them to last.
You can start payments:
As early as 30 days from the
time you purchase the annuity.
As late as your 85th birthday.
On any other date between 30
days of purchase and when you
turn 85.
And your payments can last for:
Your lifetime.
Your lifetime and that of your
spouse or partner.
A specific number of years
you choose.
Rely on Vanguard Annuity Access
As a Vanguard client, you can take
advantage of a unique service called
Vanguard Annuity Access that lets
you compare figures and features
of comparable fixed annuities from
leading insurance companies.
Through Vanguard Annuity Access,
you'll get competitive quotes on
high-quality products from well-known
insurers. That means you have the
chance to stretch your retirement
dollars further when you purchase an
annuity through Vanguard.
We're here to help
Annuities. Insurance companies.
Quotes. Decisions. While there's a
lot to consider, you'll have Vanguard's
licensed annuity specialists at your
service for whatever assistance you
need with any part of the process.
And because our specialists receive
no commission for putting you in
any particular product, you can be
confident the focus will be on your
income needs, not ours.
Retire confidently knowing your
savings can last for life
*Guarantees are subject to the claims-paying ability of the issuing insurance company.
2
3
Key considerations
An income annuity might be
appropriate if you:
Want regular income you
can't outlive.
Need more income than you
expect to receive or may be
currently receiving in retirement.
Have other money available for
investing, or for emergencies or
unanticipated purchases.
Want funds on hand to help pay
expenses, such as everyday bills
or insurance premiums.
But weigh your decision
more carefully if you:
Feel confident in your ability to
manage your savings and create
a successful withdrawal strategy
on your own.
Would prefer to retain control of
your assets.
May not have enough other
savings left to cover financial
emergencies.
With fewer employers offering
pensions, more investors count on
their personal savings to support
them throughout retirement. An
income annuity can help ensure
your savings meet that challenge.
An income annuity can also
complement other income
sources, such as Social Security,
or a traditional pension, if you're
fortunate enough to receive one.
In exchange for your premium
payment, an insurance company
will guarantee income payments for
life, or for the period of time you
choosea provision that can make
it easier for you to plan for your
retirement-spending needs and help
reduce the risk that you'll outlive
your assets.
Is an income annuity
a good choice for you?
4
Vanguard Annuity Access is offered
in collaboration with Hueler
Investment Services, Inc., through
the Income Solutions platform.
This unique, web-based platform
facilitates easy, apples-to-apples
contract comparisons.
We provide:
Highly competitive rates:
Vanguard and Hueler Investment
Services work together to ensure
delivery of high-quality products
at a low cost. You can receive
instant quotes from a Vanguard
annuity specialist or directly from
the Income Solutions website,
which you can access after you
log on to vanguard.com.
Service: Get unbiased
assistance from licensed
specialists who receive no sales
commissions and work solely
for your benefit as they help
you weigh your choices. If you
eventually decide to purchase an
income annuity, we'll be there
to walk you through the buying
process as well.
Choice: Compare information
from highly rated insurers
offering a variety of payment
terms. And choose from three
annuity productsa single
premium immediate annuity,
a deferred income annuity, or
longevity insurance.
What to expect from us
5
Learn more about your annuity choices
The type of annuity you choose will largely depend on when you plan to start
your income payments.
Type of
When payments
Why you'd want
annuity product
What it is
can start
to consider it
Single premium
A SPIA is a fixed
After 30 days of
Allows the earliest
immediate annuity
income annuity that
purchase to within
start for steady
(SPIA)
allows you to begin
one year of purchase.
payments that last
payments almost
your lifetime or for
immediately.
whatever number of
years you choose.
Deferred income
As the name implies, More than one year
By waiting for payments
annuity (DIA)
a DIA is a fixed
after purchase.
to begin, you can
income annuity that
save on your initial
allows you to
investment and still enjoy
postpone or defer
guaranteed income for
payments for at
life or for the set number
least one year.
of years you choose.
Longevity
Longevity insurance
On your 85th
By investing long
insurance
is a fixed income
birthday.
before you turn 85,
annuity with payments
you'll have a much
postponed until
lower initial investment
your 85th birthday.*
and still have the
protection of guaranteed
income after age 85
a time when many nest
eggs are depleted.
*Longevity insurance doesn't include a death benefit.
6
Choose the amount of
income you need
The information is for 65-year-old male and female joint annuitants who reside in Pennsylvania. It's based on a
lifelong contract using nonqualified funds with an estimated deposit date of May 12, 2018. The date of birth for
both is April 1, 1953, and all quotes are as of April 12, 2018.
This hypothetical example is not meant to represent any particular annuity or investment.
*Longevity insurance does not include a death benefit.
Source: Vanguard Annuity Access powered by Income Solutions.
With an income annuity, you
have the flexibility to buy the
level of income that meets your
needs. The longer you wait for
income payments to start, the
less you'll need to invest.
However, in the interim you'll have
to rely on personal savings to
meet your spending needs until
you begin to receive payments from
the income annuity.
The amount you'll need to invest
is based on your age at purchase,
current interest rates, the date you
plan to start your payments, and the
annuity features you elect to add.
Income
Longevity
start age
65
70
75
80
85
insurance*
Male
$180,039
$135,137
$94,699
$65,310
$40,001
$27,527
Female $193,440
$146,257
$102,987
$70,334
$45,378
$33,219
Joint
$213,915
$168,307
$120,573
$82,273
$53,046
$47,221
See how to guarantee $1,000 in monthly income
The chart below shows the initial investment you need at age 65 to start
generating $1,000 in monthly income at various ages. Choose the age
at which you want payments to begin to see your approximate initial
investment. Being flexible about the start time for your payments may allow
you to invest a smaller amount to get the guaranteed income you want.
7
Other factors can influence the level
of income you receive from your
annuity, so before you sign on the
dotted line, make sure you:
Consider your life expectancy at
the time of purchase (and that of
your spouse too, if you're thinking
of a joint life annuity). If you feel
there's a good chance you'll live
beyond the average expectancy,
you'll want to be mindful of the
income needed to live comfortably
for that time.
Factor in the income payment
options you may want to include.
For example, some investors
choose to have their income
payments increase with inflation
or be guaranteed for a minimum
period of time.
Invest only a portion of your
savings. You'll need to have
additional funds on hand for
emergencies and other expenses.
Compare the financial strength
of insurance companies. While
all providers available through the
Income Solutions platform are
well known, it's always wise to
check the ratings of those you're
interested in.
Remember that all or a portion
of your payments are taxable.
Consult a tax advisor about your
individual situation.
What else may affect
your annuity decisions
The underwriting risks, financial obligations, and support functions associated with the products are the
responsibility of the issuing insurance company. The issuing insurance company is responsible for its own
financial condition and contractual obligations.
Compare before
you decide
8
If you're confident that an income
annuity could be the path toward a
more comfortable retirement, then
it's time to size up your choices.
Vanguard Annuity Access makes
that easy by giving you customized,
highly competitive payment quotes
on a real-time basis through the
Income Solutions platform.
There's never a charge for
requesting a quote, and you're under
no obligation once you receive one.
If you purchase an annuity, you'll
pay a onetime transaction fee of
2% that's based on your annuity
purchase amount. The price you're
quoted includes this onetime fee. It
also reflects costs from the issuing
insurance company.
You don't have to do it alone
Remember that throughout all
phases of the decision-making
process, you can call on licensed
Vanguard specialists to give you
unbiased answers and help you
make sensible choices. If you want,
they'll also run quotes and even lend
a hand with completing the forms.
Once you purchase your annuity,
you'll receive service directly from
the insurance company you select
to provide your annuity income.
Get started
Visit vanguard.com/income, or call us at
800-522-5555 wMonday through Friday from 8 a.m.
to 8 p.m., Eastern time. We'll be happy to help.
P.O. Box 1105
Valley Forge, PA 19482-1105
Connect with Vanguard > vanguard.com > 800-522-5555
Vanguard Annuity Access is offered in
collaboration with Hueler Investment
Services, Inc., through the Income
Solutions platform. Income Solutions
is a registered trademark of Hueler
Investment Services, Inc., and used
under license. United States Patent
No. 7,653,560.
Vanguard Annuity Access is provided
by Vanguard Marketing Corporation,
d/b/a VMC Insurance Services in
California.
2018 The Vanguard Group, Inc.
All rights reserved.
HUEFIA 052018
in retirement
Fixed income annuities through
Vanguard Annuity Access
1
Dependable income for life? It's not
too good to be true. Not when you
have an income annuityan annuity
designed to provide regular, reliable,
guaranteed payments.
With an income annuity, you make a
onetime investment in exchange for
predictable income payments that
can continue as long as you live.*
All you have to do is decide when
you want the payments to start and
how long you want them to last.
You can start payments:
As early as 30 days from the
time you purchase the annuity.
As late as your 85th birthday.
On any other date between 30
days of purchase and when you
turn 85.
And your payments can last for:
Your lifetime.
Your lifetime and that of your
spouse or partner.
A specific number of years
you choose.
Rely on Vanguard Annuity Access
As a Vanguard client, you can take
advantage of a unique service called
Vanguard Annuity Access that lets
you compare figures and features
of comparable fixed annuities from
leading insurance companies.
Through Vanguard Annuity Access,
you'll get competitive quotes on
high-quality products from well-known
insurers. That means you have the
chance to stretch your retirement
dollars further when you purchase an
annuity through Vanguard.
We're here to help
Annuities. Insurance companies.
Quotes. Decisions. While there's a
lot to consider, you'll have Vanguard's
licensed annuity specialists at your
service for whatever assistance you
need with any part of the process.
And because our specialists receive
no commission for putting you in
any particular product, you can be
confident the focus will be on your
income needs, not ours.
Retire confidently knowing your
savings can last for life
*Guarantees are subject to the claims-paying ability of the issuing insurance company.
2
3
Key considerations
An income annuity might be
appropriate if you:
Want regular income you
can't outlive.
Need more income than you
expect to receive or may be
currently receiving in retirement.
Have other money available for
investing, or for emergencies or
unanticipated purchases.
Want funds on hand to help pay
expenses, such as everyday bills
or insurance premiums.
But weigh your decision
more carefully if you:
Feel confident in your ability to
manage your savings and create
a successful withdrawal strategy
on your own.
Would prefer to retain control of
your assets.
May not have enough other
savings left to cover financial
emergencies.
With fewer employers offering
pensions, more investors count on
their personal savings to support
them throughout retirement. An
income annuity can help ensure
your savings meet that challenge.
An income annuity can also
complement other income
sources, such as Social Security,
or a traditional pension, if you're
fortunate enough to receive one.
In exchange for your premium
payment, an insurance company
will guarantee income payments for
life, or for the period of time you
choosea provision that can make
it easier for you to plan for your
retirement-spending needs and help
reduce the risk that you'll outlive
your assets.
Is an income annuity
a good choice for you?
4
Vanguard Annuity Access is offered
in collaboration with Hueler
Investment Services, Inc., through
the Income Solutions platform.
This unique, web-based platform
facilitates easy, apples-to-apples
contract comparisons.
We provide:
Highly competitive rates:
Vanguard and Hueler Investment
Services work together to ensure
delivery of high-quality products
at a low cost. You can receive
instant quotes from a Vanguard
annuity specialist or directly from
the Income Solutions website,
which you can access after you
log on to vanguard.com.
Service: Get unbiased
assistance from licensed
specialists who receive no sales
commissions and work solely
for your benefit as they help
you weigh your choices. If you
eventually decide to purchase an
income annuity, we'll be there
to walk you through the buying
process as well.
Choice: Compare information
from highly rated insurers
offering a variety of payment
terms. And choose from three
annuity productsa single
premium immediate annuity,
a deferred income annuity, or
longevity insurance.
What to expect from us
5
Learn more about your annuity choices
The type of annuity you choose will largely depend on when you plan to start
your income payments.
Type of
When payments
Why you'd want
annuity product
What it is
can start
to consider it
Single premium
A SPIA is a fixed
After 30 days of
Allows the earliest
immediate annuity
income annuity that
purchase to within
start for steady
(SPIA)
allows you to begin
one year of purchase.
payments that last
payments almost
your lifetime or for
immediately.
whatever number of
years you choose.
Deferred income
As the name implies, More than one year
By waiting for payments
annuity (DIA)
a DIA is a fixed
after purchase.
to begin, you can
income annuity that
save on your initial
allows you to
investment and still enjoy
postpone or defer
guaranteed income for
payments for at
life or for the set number
least one year.
of years you choose.
Longevity
Longevity insurance
On your 85th
By investing long
insurance
is a fixed income
birthday.
before you turn 85,
annuity with payments
you'll have a much
postponed until
lower initial investment
your 85th birthday.*
and still have the
protection of guaranteed
income after age 85
a time when many nest
eggs are depleted.
*Longevity insurance doesn't include a death benefit.
6
Choose the amount of
income you need
The information is for 65-year-old male and female joint annuitants who reside in Pennsylvania. It's based on a
lifelong contract using nonqualified funds with an estimated deposit date of May 12, 2018. The date of birth for
both is April 1, 1953, and all quotes are as of April 12, 2018.
This hypothetical example is not meant to represent any particular annuity or investment.
*Longevity insurance does not include a death benefit.
Source: Vanguard Annuity Access powered by Income Solutions.
With an income annuity, you
have the flexibility to buy the
level of income that meets your
needs. The longer you wait for
income payments to start, the
less you'll need to invest.
However, in the interim you'll have
to rely on personal savings to
meet your spending needs until
you begin to receive payments from
the income annuity.
The amount you'll need to invest
is based on your age at purchase,
current interest rates, the date you
plan to start your payments, and the
annuity features you elect to add.
Income
Longevity
start age
65
70
75
80
85
insurance*
Male
$180,039
$135,137
$94,699
$65,310
$40,001
$27,527
Female $193,440
$146,257
$102,987
$70,334
$45,378
$33,219
Joint
$213,915
$168,307
$120,573
$82,273
$53,046
$47,221
See how to guarantee $1,000 in monthly income
The chart below shows the initial investment you need at age 65 to start
generating $1,000 in monthly income at various ages. Choose the age
at which you want payments to begin to see your approximate initial
investment. Being flexible about the start time for your payments may allow
you to invest a smaller amount to get the guaranteed income you want.
7
Other factors can influence the level
of income you receive from your
annuity, so before you sign on the
dotted line, make sure you:
Consider your life expectancy at
the time of purchase (and that of
your spouse too, if you're thinking
of a joint life annuity). If you feel
there's a good chance you'll live
beyond the average expectancy,
you'll want to be mindful of the
income needed to live comfortably
for that time.
Factor in the income payment
options you may want to include.
For example, some investors
choose to have their income
payments increase with inflation
or be guaranteed for a minimum
period of time.
Invest only a portion of your
savings. You'll need to have
additional funds on hand for
emergencies and other expenses.
Compare the financial strength
of insurance companies. While
all providers available through the
Income Solutions platform are
well known, it's always wise to
check the ratings of those you're
interested in.
Remember that all or a portion
of your payments are taxable.
Consult a tax advisor about your
individual situation.
What else may affect
your annuity decisions
The underwriting risks, financial obligations, and support functions associated with the products are the
responsibility of the issuing insurance company. The issuing insurance company is responsible for its own
financial condition and contractual obligations.
Compare before
you decide
8
If you're confident that an income
annuity could be the path toward a
more comfortable retirement, then
it's time to size up your choices.
Vanguard Annuity Access makes
that easy by giving you customized,
highly competitive payment quotes
on a real-time basis through the
Income Solutions platform.
There's never a charge for
requesting a quote, and you're under
no obligation once you receive one.
If you purchase an annuity, you'll
pay a onetime transaction fee of
2% that's based on your annuity
purchase amount. The price you're
quoted includes this onetime fee. It
also reflects costs from the issuing
insurance company.
You don't have to do it alone
Remember that throughout all
phases of the decision-making
process, you can call on licensed
Vanguard specialists to give you
unbiased answers and help you
make sensible choices. If you want,
they'll also run quotes and even lend
a hand with completing the forms.
Once you purchase your annuity,
you'll receive service directly from
the insurance company you select
to provide your annuity income.
Get started
Visit vanguard.com/income, or call us at
800-522-5555 wMonday through Friday from 8 a.m.
to 8 p.m., Eastern time. We'll be happy to help.
P.O. Box 1105
Valley Forge, PA 19482-1105
Connect with Vanguard > vanguard.com > 800-522-5555
Vanguard Annuity Access is offered in
collaboration with Hueler Investment
Services, Inc., through the Income
Solutions platform. Income Solutions
is a registered trademark of Hueler
Investment Services, Inc., and used
under license. United States Patent
No. 7,653,560.
Vanguard Annuity Access is provided
by Vanguard Marketing Corporation,
d/b/a VMC Insurance Services in
California.
2018 The Vanguard Group, Inc.
All rights reserved.
HUEFIA 052018