Fixed & Variable Annuities

Investments

Annuities - Fixed & Variable

These insurance-based financial vehicles are often an attractive retirement planning alternative because they can be tailored to meet the financial needs of virtually anyone. The PeoplesFinancial and Insurance Services Representatives at PeoplesFinancial and Insurance Services offer access to a wide range of both fixed and variable annuities, which can provide income, while allowing retirement funds to grow tax deferred. Although fixed annuities offer the security of a fixed rate of return, variable annuities have greater potential for higher returns, as well as increased investment flexibility. PeoplesFinancial and Insurance Services professionals can help you weigh the risks and rewards, and determine which type of annuity or other investment option could complement your savings and investment portfolio.

Annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Withdrawals made prior to age 59 1/2 are subject to 10% IRS penalty tax. Surrender charges apply. The investment returns and principal value of the available sub-account portfolios will fluctuate so that the value of an investor's unit, when redeemed, may be worth more or less than their original value. Guarantees based on the claims paying ability of issuer.

For more information, on our fixed and variable annuities contact one of our PeoplesFinancial and Insurance Services Representatives.

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Disclosure

PeoplesFinancial and Insurance Services are available at 1936 Memorial Drive, Chicopee, MA 01020 and 7 College Street, South Hadley, MA 01075. For your convenience you can meet with our PeoplesFinancial and Insurance Services Representatives at any other location by appointment only. Phone 413.538.9500

Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. PeoplesFinancial and Insurance Services is a trade name of the bank. Infinex and the bank are not affiliated. Products and services made available through Infinex are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.

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