Keep your money growing

When the time comes, what will it take to make your retirement remarkable? You want to feel confident the money you've saved will empower you to live the life you’ve always imagined. Whether that means traveling the world or simply enjoying your own backyard, now’s the time to focus on growing your savings to reach your retirement goals. 

Reach your growth goals

You want your money to keep growing, which is why you might choose to invest it. But with the potential for growth comes the risk of loss as well. A sudden market downturn, like the one we experienced in early 2020, can put your future retirement plan at risk. And the earlier in retirement a market downturn happens, the greater the impact it can have on your retirement savings.

If you're able to use an annuity solution that can decrease your exposure to risk for part of your portfolio and allow the rest of your assets to stay invested and recover with time, the long-term effect of that downturn can be reduced.

Graph illustrating how a fixed indexed annuity (FIA) can grow money when the S&P 500 Index is up and protect it when the index declines.

Tax-deferred growth solutions

How can you help reach your growth goals while reducing the level of risk your money is exposed to?

There are solutions that provide tax-deferred growth potential that is also protected from market downturns.

  • The money you use to purchase a fixed annuity will always be protected against market downturns
  • When the market performs poorly, your principal is not impacted — even if the interest credit is zero percent.
  • The earlier in retirement a market downturn happens, the greater the impact it can have on your retirement savings.

An Athene Financial Professional can help find the product that’s right for you. Contact Us 

How can my money grow tax-deferred?

One of the benefits of an annuity is that your money grows tax-deferred.

  • You don’t pay federal income tax on any interest earned until you take a withdrawal. 
  • If you're nearing retirement, tax deferral may allow for more of your money to stay in the account for longer. 
  • The more time the money has to grow, the greater the potential for more income in retirement.

Qualified vs. non-qualified annuities

The money you use to fund your annuity can impact how your withdrawals are taxed. 

  • If you buy an annuity using qualified (or pre-tax) dollars – usually by rolling over money from a 401(k) or IRA – any withdrawals will be fully taxable.
  • If you purchase an annuity with non-qualified (or after-tax) dollars – from your checking or savings account, for example — then you’re only responsible for paying taxes on any growth when you take distributions. 


How do annuities differ from mutual funds?

The money used to purchase a mutual fund is pooled together from multiple investors and is managed by a financial professional or institution. An annuity is an insurance contract that provides certain guarantees. 

  • An investment vehicle that consists of a variety of stocks, bonds and other assets.
  • An insurance contract that provides certain guarantees. 
  • May offer a greater potential for growth.
  • If the mutual fund loses value because of a market downturn, investors are not protected from those losses.
  • May offer less potential for growth.
  • Fixed indexed annuities aren’t directly invested in the market, but may provide growth in the form of interest credits which are calculated based in part on a percentage of market performance.
  • Does not protect against market volatility.
  • Protects against market volatility.

Products for your growth strategy

Explore featured products that could help grow your retirement savings. Product features and availability may vary by state and/or sales distributor.

Athene AccuMaxSM

Fixed Indexed Annuities  

Annuities with multi-year, index-linked crediting strategies for “patient savers” who want to leverage the long-term potential of the markets.

Learn more about AccuMax 

Athene AccumulatorSM

Fixed Indexed Annuities  

Annuities that provide tax-deferred, index-linked growth potential with an optional Legacy Rider (for a charge) that provides enhanced benefits for beneficiaries.

Learn more about Accumulator 

Athene® Amplify 2.0

Registered Index-Linked Annuities

Annuities for aggressive savers who are willing to accept a level of market risk in exchange for enhanced index-linked growth potential.

Learn more about Amplify 2.0 

Athene Performance Elite®

Fixed Indexed Annuities

Annuities that provide tax-deferred, index-linked growth potential for retirement or other long-term savings goals. Optional liquidity features (for a charge) bring added flexibility and peace of mind.

Learn more about Performance Elite 

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The institutional channel includes reinsurance and group annuity contracts related to pension group annuities.
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Annuities contain features, exclusions, limitations and availability that may vary by state and/or sales distributor. For a full explanation of an annuity, please refer to the Certificate of Disclosure or Prospectus (as applicable) and contact your financial professional or the company for costs and complete details. This material is a general description intended for general public use. 

Annuity contracts and group annuity contracts are issued by Athene Annuity and Life Company (61689), West Des Moines, IA, in all states (except New York), and in D.C. and P.R. Annuity contracts are issued by Athene Annuity & Life Assurance Company of New York (68039), Pearl River, NY, in New York. Group annuity contracts for New York residents and New York contract holders are issued in New York by Athene Annuity & Life Assurance Company of New York, Pearl River, NY. Payment obligations and guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Insurance products may not be available in all states. These companies are not undertaking to provide investment advice for any individual or in any individual situation, and therefore nothing in this should be read as investment advice. This material should not be interpreted as a recommendation by Athene Annuity and Life Company, Athene Annuity & Life Assurance Company of New York, or Athene Securities, LLC. Please reach out to your financial professional if you have any questions about insurance products and their features. 

The term “financial professional” is not intended to imply engagement in an advisory business with compensation unrelated to sales. Financial professionals will be paid a commission on the sale of an annuity.


Reinsurance contracts are entered into with Athene Annuity and Life Company (61689), West Des Moines, IA; Athene Annuity & Life Assurance Company (61492), Wilmington, Delaware; Athene Annuity & Life Assurance Company of New York (68039), Pearl River, NY; Athene Life Re Ltd., Hamilton, Bermuda; and Athene Annuity Re Ltd., Hamilton, Bermuda. Not all reinsurance products or structures offered are available in all jurisdictions. Reinsurers may not be licensed in all states. All transactions are subject to meeting a reinsurer’s underwriting requirements. Reinsurance products are not protected or guaranteed by state insurance guaranty associations or insolvency funds.