Portfolio Optimization: One Step Diversification For Your Variable Annuity
Consider a Pacific Life Variable Annuity
A variable annuity is a long-term contract between you and an insurance company that helps you grow, protect, and manage retirement savings in a tax-advantaged way.
A Variable Annuity Can Help You:
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Grow retirement savings faster through the power of tax deferral.
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Manage your investment strategy by transferring among a diverse selection of investment options free of tax consequences.
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Convert your assets to guaranteed, lifetime retirement income.
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Leave a financial legacy through a guaranteed death benefit.
Our variable annuities also offer features such as asset allocation and optional principal protection. Optional benefits are available for an additional cost.
Guarantees, including optional benefits, are subject to the issuing company’s claims-paying ability and financial strength and do not protect the value of the variable investment options, which are subject to market risk. The value of the variable investment options will fluctuate so that shares, when redeemed, may be worth more or less than the original cost. Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. A withdrawal charge also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and also may reduce the value of any optional benefits. Under current law, a nonqualified annuity that is owned by an individual is generally entitled to tax deferral.
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What is Portfolio Optimization?
Learn about Portfolio Optimization, a simplified way to diversify your contract value among different asset classes.
Our Investment Approach
The Portfolio Optimization Portfolios are managed by Pacific Life Fund Advisors LLC (PLFA). PLFA applies an investment approach using three fundamental disciplines: asset allocation, manager research, and investment risk management.
Target Risk Funds
The Portfolio Optimization Portfolios range in investment style from conservative to aggressive-growth to help match your risk tolerance and investment goals.
Underlying Fund Holdings
View the underlying funds that make up each Portfolio Optimization Portfolio.
Pacific Life, its affiliates, their distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor or attorney.
Investors should carefully consider a variable annuity's risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment goals of the underlying investment options. This and other information about Pacific Life are provided in the product and underlying fund prospectuses. These prospectuses should be read carefully before investing.
Under current law, a nonqualified annuity that is owned by an individual is generally entitled to tax deferral. IRAs and qualified plans—such as 401(k)s and 403(b)s—are already tax deferred. Therefore, a deferred annuity should be used only to fund an IRA or qualified plan to benefit from the annuity’s features other than tax deferral. These include lifetime income, death benefit options, and the ability to transfer among investment options without sales or withdrawal charges.
Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company (Newport Beach, CA) in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance product and rider guarantees, including optional benefits and any fixed subaccount crediting rates or annuity payout rates, are backed by the financial strength and claims-paying ability of the issuing insurance company and do not protect the value of the variable investment options. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
Third-party trademarks and service marks are the property of their respective owners.
Variable insurance products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company and an affiliate of Pacific Life & Annuity Company, and are available through licensed third parties.
Not all products are available at all broker/dealer firms.
No bank guarantee. Not a deposit. May lose value. Not FDIC/NCUA insured. Not insured by any federal government agency.