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Financial planning
The American Expat Annuity Guide
For American expats planning retirement abroad, turning savings into a reliable income presents challenges beyond market volatility. Without a traditional corporate pension, you may need to create your own retirement income while managing US tax reporting, foreign investment restrictions and the risk of selling assets during a market downturn.
This guide explains how Fixed Indexed Annuities (FIAs) can help protect principal and provide a potential source of guaranteed lifetime income. Explore how annuities work, the trade-offs involved, and the cross-border tax, currency and reporting considerations to assess before deciding whether an annuity belongs in your retirement plan.
What You Will Learn:
- Why foreign mutual funds can create punitive US tax exposure, and how US-based annuities fit into the guide’s discussion of alternatives.
- How Fixed Indexed Annuities can provide a potential lifetime income floor alongside Social Security and personal savings.
- How FIAs credit index-linked interest while protecting principal from negative index performance, helping address sequence-of-returns risk.
- Understand caps, participation rates, income rider fees and surrender charges before committing retirement savings to an annuity.
- Why your country of residence may not recognise US tax deferral, and how FBAR and FATCA reporting fit into the picture.
- Explore case studies involving American retirees in Portugal and Mexico, including lifetime income planning and reducing exposure to a market crash.
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