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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:
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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
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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
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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 – but not a heavy tax burden
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 returns*
- Long-term gains – taxed as high as 23.8%*
- 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.
* 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:
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125+ INDIVIDUAL
FUNDS -
20+ ASSET ALLOCATION FUNDS
Get the details about asset allocation funds -
30+ INVESTMENT MANAGERS
Outcome-based investing – your way
Add certainty to your portfolio with the new Lincoln Defined Outcome Funds. An innovative approach to define – and have more control over – your outcome.
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 the death benefit feature. To help offset the potential tax impact for your beneficiaries, you could elect the Earnings Optimizer Death Benefit* for an additional cost.
TAX-EFFICIENT ESTATE PROTECTION
If there are gains in the contract, beneficiaries will receive an additional 40% of the earnings. In years with substantial gains, a more substantial death benefit helps offset estate taxes.
*Available to contract owners and annuitants under age 70 for an additional annual cost of 0.30%, and ages 70 – 75 for 0.70%. Gives beneficiaries the greater of the principal (adjusted proportionately for withdrawals and dollar-for-dollar for i4LIFE® Advantage payments) or the current contract value plus 40% of earnings (adjusted proportionately for withdrawals and dollar-for-dollar for i4LIFE® Advantage payments) if there are gains in the contract (not to exceed 200% of total deposits, adjusted proportionately for withdrawals only). The rider is irrevocable and does not provide an opt-out provision for fee increases. Investment requirements apply. Not available for contracts in New York.
GAIN ADDITIONAL INSIGHT WITH THESE RESOURCES AND EASY-TO-USE TOOLS
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