-
Overview -
Taxes matter -
Investment options -
Income & legacy -
Resources
A STRAIGHTFORWARD APPROACH TO INVESTING
Growth potential without the tax drag. Powerful investment strategies. Tax-savvy income and legacy plans. Build your portfolio around what matters the most to you.
Lincoln Investor Advantage® helps investors meet their goals, including:
-
Tax-minded investors
looking for more tax-deferred growth to:
Pay less taxes on their investments
Invest without concern about immediate tax impact
Have more control over tax outcomes now and in retirement
-
Investment-focused investors
who want quality diversification to:
Maximize investment returns
Keep their investment philosophy intact
Have access and flexibility to invest in what matters most to them
-
Forward-looking investors focused on saving now while planning ahead to:
Keep more money invested to help portfolio grow
Ensure access to tax-smart income for retirement
Leave loved ones a legacy – and protect them from a heavy tax burden, if needed
![3d graph](/public/microsite/image/LIAVA-Graph-Image.png)
Market Intel Exchange
Lincoln's flagship chartbook keeps you informed
- Data and insights on economic, market and investment trends
- Updated monthly
- Available for financial professionals and clients
Minimize taxes to maximize your investment returns
Why invest? In general, it’s because we want our money to grow. But, when it comes to investment returns, one thing is certain: taxes matter.
When you invest in an annuity, the favorable tax treatment lets you keep more of what you earn.
Here’s how:
You won’t be taxed on any earnings or growth until after you withdraw funds.
- More of your investment returns compound over time, resulting in potentially higher long-term returns.
You won’t be taxed each time you adjust your portfolio.
- Avoid these costly consequences of rebalancing in taxable accounts:
- Short-term capital gains – up to 40.8% from your returns1
- Long-term gains – taxed as high as 23.8%1
- Possible transaction costs
You won’t incur the higher transaction fees and higher tax bill that the frequent trading within actively managed strategies can generate.
- Invest with trusted active managers without a hidden tax drag on your results.
1 Including a 3.8% Medicare tax. Source: IRS.gov.
These tax calculators can help provide different snapshots of how taxes might impact your portfolio.
INVESTMENT CHOICE
Build a portfolio that fits your individual goals and investment preferences. Our investment guide details your diverse range of options, including:
PREPARE FOR LIFE'S CHANGES
You’re investing for a reason. Maybe it’s to fund retirement, to pay for a lifestyle, the desire to leave a legacy – or all of these. To grow with you and meet your needs as life changes, you have access to these optional benefits.
Turn on income when you’re ready with i4LIFE® Advantage,* an optional income benefit, available for an additional charge. It’s designed for investors who want:
- Tax-efficient income payments
- Continued participation in the growth potential of the market
- Control over investment options
- Access to your account value
i4LIFE® Advantage is available for an additional annual cost of 0.40%. There is a credit to clients who select a minimum Access Period of the greater of 20 years or until age 85 — with a $500,000 deposit the credit is 0.10% annually and with a $1,000,000 deposit the credit is 0.20% annually (see prospectus for complete details).
Annuities can be an effective way to make sure your assets are passed on to your loved ones with a death benefit feature. Plan a legacy tailored to your goals with one of these three options:
- Account Value Death Benefit (standard option)
- Guarantee of Principal Death Benefit1 for principal protection
- Earnings Optimizer Death Benefit2 to help offset potential tax impacts for your beneficiaries
With Earnings Optimizer, beneficiaries will receive an additional 40% of earnings if there are gains in the contract. In years with substantial gains, a greater death benefit helps offset estate taxes.
Guarantee of Principal ensures beneficiaries will get the greater of your account value or your full investment if the market is down.
1Gives beneficiaries the greater of the current account value at death or total investment amount for an additional annual cost of 0.25%. Maximum charge of 1.40% and can increase on any anniversary after five years. Withdrawals reduce the death benefit in the same proportion as the account value. If i4LIFE® is elected, i4LIFE® payments reduce the death benefit dollar for dollar.
2Gives beneficiaries the greater of the total investment amount, or current account value at death plus 40% of earnings if there are gains in the contract (not to exceed 200% of total deposits). Available to contractowners and annuitants under age 70 for an additional annual cost of 0.30%, and ages 70 – 75 for 0.70%. Maximum charge of 1.40% and 1.70%, respectively, based on oldest issue age. The initial fee is guaranteed for 20 years after election. The rider is irrevocable and does not provide an opt-out provision for fee increases. Investment requirements apply. Withdrawals reduce the death benefit in the same proportion as the account value. If i4LIFE® is elected, i4LIFE® payments reduce the death benefit dollar for dollar. Not available for contracts in New York.
GAIN ADDITIONAL INSIGHT WITH THESE RESOURCES AND EASY-TO-USE TOOLS
Featured educational materials
Important information