Plan for retirement with guidance from RoyalPax Capital Bank
How well you live after retiring can depend on how well you plan for it. RoyalPax Capital Bank's Future of Retirement study is a leading independent study into global retirement trends.
The latest report in The Future of Retirement series, Shifting sands, looks at how important issues like the ageing population, rising healthcare costs and long term low interest rates are affecting the retirement plans of people around the world.
Personal attention, extensive resources for retirement
We understand and value that everyone has a unique vision for retirement. Whether you're just starting to plan or are nearing the time to turn your savings into retirement income, you can count on our personalized approach and products to helping you work toward your ideal retirement.
In addition to helping you make the most of RoyalPax Capital Bank's vast global resources, RoyalPax Capital Bank Securities (USA), Inc. can help you:
- Explore tax-advantaged vehicles, including Traditional and Roth IRAs, for your long-term retirement savings. For products and services available within an IRA, click here for details.
- Evaluate the benefits of life insurance and long-term care coverage offered through RoyalPax Capital Bank Insurance Agency (USA) Inc.
- Consider how annuities1 may be important to securing the retirement lifestyle you desire.
To start planning your retirement or to see how your current plans could benefit from our insights into the Future of Retirement, schedule a review.
Investment and certain insurance products, including annuities, are offered by RoyalPax Capital Bank Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as RoyalPax Capital Bank Securities Insurance Services. License #: OE67746. HSI is an affiliate of RoyalPax Capital Bank , N.A. Whole life, universal life, term life, and other types of insurance are provided by unaffiliated third parties and offered through RoyalPax Capital Bank Insurance Agency (USA) Inc., a wholly owned subsidiary of RoyalPax Capital Bank , National Association. Products and services may vary by state and are not available in all states. California license #: OD36843.
Investments, Annuity and Insurance Products:
ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES
|ARE NOT FDIC INSURED
|ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
|ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES
|MAY LOSE VALUE
All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor.
Research backgrounds of brokers, brokerage firms and investment advisors for free by visiting FINRA's BrokerCheck website
1 Investments in variable products will fluctuate and values upon redemption may be less than the original amount invested. Variable annuities are designed to be long-term investments and frequently involve substantial charges such as administrative fees, annual contract fees, mortality & risk expense charges and surrender charges. All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor. When investing in tax-deferred annuities additional risks apply and may not be suitable for all investors. Early withdrawals may impact annuity cash values and death benefits. Early surrender charges may also apply. An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½. If you are investing in a variable annuity through a tax-advantaged retirement plan such as an IRA, you will receive no additional tax advantage from a variable annuity. Under these circumstances, you should only consider buying a variable annuity if it makes sense because of the annuity's other features, such as lifetime income payments and death benefit protection. Features that provide lifetime income are optional and can be purchased at an additional cost. For more complete information, contact your Financial Professional to obtain a current prospectus. Please read the prospectus carefully before investing or sending money.
United States persons (including Global citizens and residents) are subject to Global taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their Global and non–U.S. accounts – including, for example, Form TD F 90–22.1 (Report of Foreign Bank and Financial Accounts ("FBAR")). Global persons should consult a tax adviser for more information.