skip navigation

Contact Us

625 The City Drive South, Ste. 460
Orange, CA 92868
Phone: (714) 663-1200 x120
Fax: (714) 663-1201
joe @strategicallianceinc.com
Map and Directions
  • Home
  • About Us
    • About Our Firm
    • Services We Offer
    • Our Main Location
    • Affiliated Offices
    • About Our Alliance Partners
  • Resources
    • Articles
    • Calculators
    • Flipbooks
    • Newsletters
    • Glossary
    • Videos
  • Market Watch
    • Detailed Quote
    • Symbol Lookup
    • Multi Quote
    • Markets at a Glance
    • Charting
    • Portfolio
  • Contact Us
  • 57% of U.S. workers have saved less than $25,000 for retirement.* -- *2015 Retirement Confidence Survey, EBRI
  • Only 48% of Americans know how much money to save for retirement.* -- *2015 Retirement Confidence Survey EBRI
  • 50% of retirees left the workforce earlier than planned.* -- *2015 Retirement Confidence Survey EBRI
Printed from: www.strategicallianceinc.com
  • Strategic Alliance
  • 625 The City Drive South, Ste. 460, Orange, CA 92868
  • (714) 663-1200 x120 | joe@strategicallianceinc.com

Tax Deferred Savings

What Are the Advantages of Tax-Deferred Accumulation?

This calculator is designed to help you estimate the potential future value of tax-deferred investments vs. taxable investments using an identical hypothetical annual rate of return.

The results below show the hypothetical values of a taxable investment vs. a tax-deferred investment, and the hypothetical value of the tax-deferred investment after taxes are paid. The growth of the tax-deferred investment exceeds that of the taxable investment because you keep more of your money working for you. If you increase the number of years you plan to save, you’ll see that the longer your time frame, the greater the difference becomes.

Your Results

In a taxable account, your savings would grow to: $0
In a tax-deferred account, your savings would grow to: $0
Even after taxes, the tax-deferred account would grow to: $0

The chart below illustrates the difference tax-deferred accumulation can make. The highest line on the chart shows the tax-deferred amount accumulated assuming the values you entered. The middle line on the chart demonstrates the tax-deferred amount accumulated after taxes have been paid according to the tax rate you selected. The lowest line on the chart shows the amount accumulated assuming the same values, but with earnings taxed annually.

If you are investing for long-term goals, such as retirement, you may want to consider tax-deferred alternatives. We can help you sort through the various investment options to determine what may be appropriate for your situation.

Advantage of Tax-Deferred Accumulation

 

The information provided is not specific investment advice, a guarantee of performance, or a recommendation. Typically withdrawals from tax-deferred investments are taxed as ordinary income and any withdrawals taken prior to age 59½ may be subject to an additional 10 percent federal tax penalty. A plan of continuous or systematic investing does not ensure a profit and does not protect against loss in declining markets. Certain tax-deferred investments include mortality and expense charges, sales charges, and administrative fees which would reduce the performance shown if they were accounted for. Lower maximum tax rates for capital gains and dividends, as well as the tax treatment of investment losses, could make the investment return for the taxable investment more favorable, thereby reducing the difference in performance between the accounts shown. One's timeframe and income tax brackets, both current and anticipated, should be considered when making financial decisions. Rates of return will vary over time, particularly for long-term investments. Investments offering the potential for higher rates of return also involve a higher degree of risk.

This hypothetical example is used for illustrative purposes only. Actual results will vary.

The information in this calculator is not intended as tax or legal advice, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security.

This material was written and prepared by Emerald Connect, LLC.
© 2019 Emerald Connect, LLC. All Rights Reserved.

background image for page 1 background image for page 2 background image for page 3

About Us

  • About Our Firm
  • Services We Offer
  • Our Main Location
  • Affiliated Offices
  • About Our Alliance Partners

Learning Center

  • Articles

    Educate yourself on a variety of financial topics.

  • Calculators

    A host of financial tools to assist you.

  • Newsletters

    Timely Newsletters to help you stay current.

  • Videos

    A dynamic library of videos.

  • Flipbooks

    These magazine-style flipbooks provide helpful information.

  • Glossary

    Financial terms from A to Z.

Market Watch

Last Closing Prices

Ticker Name Percent Difference (when noted with %) otherwise Last Price Difference (where applicable)
Dow Jones Industrials 25,883.25 +1.74%
Nasdaq Composite 7,472.41 +0.61%

[ Markets | Charts | Quotes | Portfolio ]

Market data delayed per exchange rules.
All quotes are in US Eastern Time (EST).
Market data provided by ICE Data Services. ICE Limitations. Powered and implemented by FactSet. Legal Statement.

Contact Us

625 The City Drive South, Ste. 460
Orange, CA 92868
Phone: (714) 663-1200 x120
Fax: (714) 663-1201
joe @strategicallianceinc.com
Map and Directions

Investment adviser representative and registered representative of, and securities and investment advisory services offered through Voya Financial Advisors, Inc. (member SIPC)

Federal and state insurance and securities rules and regulations prohibit registered representative(s) and/or investment adviser representative(s) from soliciting, offering and selling any insurance or securities products or providing investment advice until they are properly registered and licensed in each state jurisdiction.

The registered representative(s) and/or investment adviser representative(s) listed on this website are licensed and registered in the following states:

We are licensed to sell Insurance Products in AZ,CA,CO,FL,ID,ME,MT,TX,WA.

We are registered to sell Securities in AZ,CA,ID,PA.

Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states.  Response to, or contact with, residents of other states will only be made upon compliance with applicable licensing and registration requirements.  The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

Strategic Alliance Financial Advisors, Inc. is not a subsidiary of nor controlled by Voya Financial Advisors

 

[ Online Privacy Policy | Privacy Promise ]

  • Site Map