What is a deferred annuity?
A deferred annuity is a fixed-term investment contract, issued by Equity Annuity Trust, that provides a one-off income payment to the annuitant, at an agreed future date (a deferred annuity).
What is a guaranteed deferred annuity?
A guaranteed deferred annuity is a fixed investment product, designed to accept and grow funds, providing a one-time return to the owner upon maturity. Deferred annuities are primarily used as a means of securing a significant payment during retirement years, but are an excellent investment for individuals regardless of age.
What are the primary benefits of working with Equity Annuity Trust?
An deferred annuity from Equity Annuity Trust guarantees the full return of your vacation ownership investment upon maturity. This investment can be negotiated to even include associated vacation costs such as airline tickets and maintenance fees, providing a truly comprehensive investment strategy. Furthermore, our deferred annuity is backed by investment and banking laws, which mandates that all deferred annuity companies must maintain a security fund that covers all of their obligations plus an additional security margin. This fund is segregated from the company's operating assets, the sole priority being their safety.
What commission do you take on my investment?
None. We are guaranteeing you a fixed sum return, in accordance with the terms and conditions, and any money your investment makes over and above that projected amount is our profit. That is how you can be confident that we will do all we can to ensure your investments reach at least the projected levels of growth.
In what way is this investment linked to my vacation membership?
The Equity Annuity Trust deferred annuity is designed to repay the whole cost of your vacation required levels of return on a comparatively small investment, just 10%. The plan is supported by resorts because:
- The reassurance of a final cash payout makes purchasing membership more attractive.
- It encourages members to keep their membership in good standing throughout the 25 year term.
What are the benefits of a deferred annuity?
A Fractional Annuity Trust deferred annuity offers total reimbursement of the value of your vacation ownership purchase.
In addition, there is facility in some cases to increase the projected return in order to accommodate other ongoing expenses, like airline tickets and maintenance fees. This is known as upgrading, and is usually arranged direct with Equity Annuity Trust representatives.
What features do annuities offer?
Annuities have many advantages:
- Tax free: Equity Annuity Trust annuities enjoy tax-free growth.
- Liquidity: an deferred annuity offers financial liquidity for you at the maturity date.
- Income: your Equity Annuity Trust deferred annuity provides you with a lump sum payment upon maturity.
- You can set up your options to meet your own needs and lifestyle at that time.
- Probate avoidance: assuming a proper beneficiary election, annuities are not subject to probate. Because annuities are essentially insurance contracts, your assets pass directly to your beneficiaries.
Why shouldn't I purchase a deferred annuity?
Annuities are uniquely suited for saving for your future, and providing a lump sum payment at maturity. It makes no sense to purchase a Equity Annuity Trust deferred annuity except for the long-term.
What happens once I have purchased my deferred annuity?
You will be sent a welcome package to confirm your investment, including a signed certificate and full terms and conditions. You should study the terms and conditions, and retain the certificate in a safe place. Your money will be invested and managed by our financial experts. The deferred annuity package is a long term investment, and so there will be no need for any separate action whilst it is growing.
How often is my investment reviewed?
Fractional Annuity Trust investment funds as a whole are continually monitored and scrutinized in order to maintain maximum returns. As your money is deposited into a collective fund, which is split amongst a range of asset investments, your individual proportion is not monitored separately, but your entitlement to a proportion of the fund’s growth is what we have on record, and the fund itself is continually monitored.
Who monitors my investment?
Fractional Annuity Trust's financial team of offshore experts.