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Variable Annuities
 
  

 
 
Variable annuities are commonly used by the investor looking for:
 
  • Strong earnings potential provided by the equity market.
  • The flexibility of a portfolio mix that can be changed as needs and circumstances change.
  • The benefits of tax deferral.
  • A guaranteed death benefit to protect beneficiaries.
  • The ability to contribute money to retirement savings periodically or make future contributions at any time.
  • The elimination of annual 1099s until earnings are withdrawn.*
  • The ability to receive periodic income payments.

* Applicable taxes are due on earnings upon withdrawal. A 10% penalty may be incurred on withdrawals made before the investor reaches age 59½.
 
 
 
Learn about the following:
 
  • Variable investment portfolios.
  • Guaranteed death benefits.
  • Avoidance of probate.
  • Fixed account.
  • Automatic additions program.
  • Automatic dollar-cost-averaging.
  • Liquidity.
  • Systematic withdrawal program.
  • Income for Life.
 

 
Variable annuity choices at Morgan Stanley
 
Speak with a Morgan Stanley Financial Advisor about our variable annuity products.
 
NOTE: Various fees and expenses, including contingent deferred sales charges, mortality and expense risk charges, administrative fees and annual contract fees, are associated with these products. Each product prospectus contains a complete explanation of these charges.
 
 
 
 
 
 
 
  Your Bill of Rights
 
  Find out more about variable and fixed annuities. Read Morgan Stanley, Understanding Variable Annuities plus information on Market Value Adjusted (MVA) Fixed Annuities.  
 
 
 
 
 
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