Single-premium deferred annuity (SPDA) is a kind of annuity contract. It is established by the owner by making a single-lump payment. The annuity proceeds to grow on a tax-deferred basis until it reaches annuitization. SPDAs may be fixed or variable. They are also are taxed only if you take them. They don’t have investment limits on how much you can put in a SPDA.
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