GET https://rct.dev.bbntimes.com/financial/understanding-the-basics-of-retirement-annuity-and-its-benefits-for-your-future

Response
200 OK
IP
52.14.56.234
Profiled on
Token
e7f98e

ArticleController :: show

Request

GET Parameters

None

POST Parameters

None

Uploaded Files

None

Request Attributes

Key Value
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"App\Controller\ArticleController::show"
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"_security_main"
_stopwatch_token 
"3cea78"
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"financial"
slug 
"understanding-the-basics-of-retirement-annuity-and-its-benefits-for-your-future"

Request Headers

Header Value
accept 
"*/*"
accept-encoding 
"gzip, br, zstd, deflate"
connection 
"close"
cookie 
"PHPSESSID=iggmsqusp6bih9dcul3cuoflcm; care_did=90ed6a44-c994-4f53-aea5-0dc63c7a0952"
host 
"rct.dev.bbntimes.com"
user-agent 
"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)"
x-php-ob-level 
"1"

Request Content

Request content not available (it was retrieved as a resource).

Response

Response Headers

Header Value
cache-control 
"no-cache, private"
content-type 
"text/html; charset=UTF-8"
date 
"Sat, 22 Feb 2025 13:25:17 GMT"
link 
"</build/runtime.js>; rel="preload"; as="script",</build/644.js>; rel="preload"; as="script",</build/502.js>; rel="preload"; as="script",</build/app.js>; rel="preload"; as="script",</build/view-more.js>; rel="preload"; as="script",</build/term-condition.js>; rel="preload"; as="script",</build/contact.js>; rel="preload"; as="script",</build/scroll-infinite-article.js>; rel="preload"; as="script",</build/app.css>; rel="preload"; as="style",</build/cookie-style.css>; rel="preload"; as="style",</build/term-condition-css.css>; rel="preload"; as="style",</build/contact-css.css>; rel="preload"; as="style",</build/comment-css.css>; rel="preload"; as="style""
x-debug-token 
"e7f98e"

Cookies

Request Cookies

Key Value
PHPSESSID 
"iggmsqusp6bih9dcul3cuoflcm"
care_did 
"90ed6a44-c994-4f53-aea5-0dc63c7a0952"

Response Cookies

No response cookies

Session 6

Session Metadata

Key Value
Created 
"Sat, 22 Feb 25 13:24:54 +0000"
Last used 
"Sat, 22 Feb 25 13:25:15 +0000"
Lifetime 
0

Session Attributes

Attribute Value
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"mIMqWB0Q3L1--dHNmQPOjxRgxfhyD0N502Cl2s-ikUA"
_csrf/https-cookie_accept 
"6JwEMIAWp8OBPsRw-AFN3jsa1NlVrXa-4uSF_UhOM2M"

Session Usage

6 Usages
Stateless check enabled
Usage
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:79
Show trace 
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:52
Show trace 
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:56
Show trace 
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    "function" => "run"
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    "function" => "require_once"
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]
Symfony\Component\Security\Core\Authentication\Token\Storage\UsageTrackingTokenStorage:41
Show trace 
[
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    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/security-core/Authentication/Token/Storage/UsageTrackingTokenStorage.php"
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    "function" => "getMetadataBag"
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    ]
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]
Symfony\Component\Security\Http\Firewall\ContextListener:171
Show trace 
[
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/security-http/Firewall/ContextListener.php"
    "line" => 171
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    "function" => "__invoke"
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    "function" => "callListeners"
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Flashes

Flashes

No flash messages were created.

Server Parameters

Server Parameters

Defined in .env

Key Value
APP_ENV 
"dev"
APP_SECRET 
"0a988e63f011514eaabfc650b599af4d"
CORS_ALLOW_ORIGIN 
"*"
DATABASE_URL 
"mysql://bbndb_rctuser:33F5W25z40or0f7@localhost:3306/rct_bbntimes"
GOOGLE_RECAPTCHA_SECRET_KEY 
"6LdV5fgpAAAAANxzTG8ZMfIjil1wu-1vrQvnUt-x"
GOOGLE_RECAPTCHA_SITE_KEY 
"6LdV5fgpAAAAAENKcn73MJAhQrbtQeqgyC4wDLMP"
MAILER_DSN 
"smtp://no-reply%40rct.dev.bbntimes.com:Bl6%26gLD48%26Of919@rct.dev.bbntimes.com:465"
MARIADB_PASSWORD 
"i!87pK&!85ezc8"

Defined as regular env variables

Key Value
APP_DEBUG 
"1"
BASE 
"/public"
CONTEXT_DOCUMENT_ROOT 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com"
CONTEXT_PREFIX 
""
DOCUMENT_ROOT 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com"
FCGI_ROLE 
"RESPONDER"
GATEWAY_INTERFACE 
"CGI/1.1"
HTTPS 
"on"
HTTP_ACCEPT 
"*/*"
HTTP_ACCEPT_ENCODING 
"gzip, br, zstd, deflate"
HTTP_CONNECTION 
"close"
HTTP_COOKIE 
"PHPSESSID=iggmsqusp6bih9dcul3cuoflcm; care_did=90ed6a44-c994-4f53-aea5-0dc63c7a0952"
HTTP_HOST 
"rct.dev.bbntimes.com"
HTTP_USER_AGENT 
"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)"
PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
PATH 
"/usr/local/sbin:/usr/local/bin:/usr/sbin:/usr/bin:/sbin:/bin:/snap/bin"
PHP_SELF 
"/public/index.php"
PP_CUSTOM_PHP_CGI_INDEX 
"plesk-php81-fastcgi"
PP_CUSTOM_PHP_INI 
"/var/www/vhosts/system/rct.dev.bbntimes.com/etc/php.ini"
QUERY_STRING 
""
REDIRECT_BASE 
"/public"
REDIRECT_HTTPS 
"on"
REDIRECT_PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_HTTPS 
"on"
REDIRECT_REDIRECT_PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_SCRIPT_URI 
"https://rct.dev.bbntimes.com/financial/understanding-the-basics-of-retirement-annuity-and-its-benefits-for-your-future"
REDIRECT_REDIRECT_SCRIPT_URL 
"/financial/understanding-the-basics-of-retirement-annuity-and-its-benefits-for-your-future"
REDIRECT_REDIRECT_SSL_TLS_SNI 
"rct.dev.bbntimes.com"
REDIRECT_REDIRECT_STATUS 
"200"
REDIRECT_REDIRECT_UNIQUE_ID 
"Z7nQPJDyWLT8YV1VjBpTlwAAAJc"
REDIRECT_SCRIPT_URI 
"https://rct.dev.bbntimes.com/financial/understanding-the-basics-of-retirement-annuity-and-its-benefits-for-your-future"
REDIRECT_SCRIPT_URL 
"/financial/understanding-the-basics-of-retirement-annuity-and-its-benefits-for-your-future"
REDIRECT_SSL_TLS_SNI 
"rct.dev.bbntimes.com"
REDIRECT_STATUS 
"200"
REDIRECT_UNIQUE_ID 
"Z7nQPJDyWLT8YV1VjBpTlwAAAJc"
REDIRECT_URL 
"/public/financial/understanding-the-basics-of-retirement-annuity-and-its-benefits-for-your-future"
REMOTE_ADDR 
"52.14.56.234"
REMOTE_PORT 
"35822"
REQUEST_METHOD 
"GET"
REQUEST_SCHEME 
"https"
REQUEST_TIME 
1740230716
REQUEST_TIME_FLOAT 
1740230716.8471
REQUEST_URI 
"/financial/understanding-the-basics-of-retirement-annuity-and-its-benefits-for-your-future"
SCRIPT_FILENAME 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php"
SCRIPT_NAME 
"/public/index.php"
SCRIPT_URI 
"https://rct.dev.bbntimes.com/financial/understanding-the-basics-of-retirement-annuity-and-its-benefits-for-your-future"
SCRIPT_URL 
"/financial/understanding-the-basics-of-retirement-annuity-and-its-benefits-for-your-future"
SERVER_ADDR 
"5.196.1.209"
SERVER_ADMIN 
"[no address given]"
SERVER_NAME 
"rct.dev.bbntimes.com"
SERVER_PORT 
"443"
SERVER_PROTOCOL 
"HTTP/1.1"
SERVER_SIGNATURE 
"<address>Apache Server at rct.dev.bbntimes.com Port 443</address>\n"
SERVER_SOFTWARE 
"Apache"
SSL_TLS_SNI 
"rct.dev.bbntimes.com"
SYMFONY_DOTENV_VARS 
"APP_ENV,APP_SECRET,DATABASE_URL,MARIADB_PASSWORD,CORS_ALLOW_ORIGIN,MAILER_DSN,GOOGLE_RECAPTCHA_SECRET_KEY,GOOGLE_RECAPTCHA_SITE_KEY"
UNIQUE_ID 
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Sub Requests 6

CookieController :: renderAnalysis (token = 83ac6f)

Key Value
_controller 
"App\Controller\CookieController::renderAnalysis"
_format 
"html"
_locale 
"en"
_stopwatch_token 
"b2f505"

AppController :: renderHeader (token = c47535)

Key Value
_controller 
"App\Controller\AppController::renderHeader"
_format 
"html"
_locale 
"en"
_stopwatch_token 
"5335be"
slug 
"home"

ArticleController :: trendingArticle (token = a4b39b)

Key Value
_controller 
"App\Controller\ArticleController::trendingArticle"
_format 
"html"
_locale 
"en"
_stopwatch_token 
"57af18"
category 
"Finance"

ArticleController :: relatedArticles (token = 552d54)

Key Value
_controller 
"App\Controller\ArticleController::relatedArticles"
_format 
"html"
_locale 
"en"
_stopwatch_token 
"60e62a"
current_article 
App\Entity\Article {#1094
  -id: 9022
  -title: "Understanding The Basics Of Retirement Annuity And Its Benefits For Your Future"
  -slug: "understanding-the-basics-of-retirement-annuity-and-its-benefits-for-your-future"
  -introtext: "<p>An annuity is an insurance product that pays out income and can be used as part of a retirement strategy.</p>\r\n"
  -content: """
    \r\n
    <p>They are a popular option for investors who want to receive a reliable source of income in retirement. How does it work? You invest in the annuity, and it pays dividends to you on a future date or series of dates. The income you receive from the annuity can be paid out monthly, quarterly, annually, or even in a lump payment, depending on your preference.&nbsp;</p>\r\n
    <p><img src="/images/Retirement_Plan.png" alt="Retirement_Plan.png" width="500" height="389" /></p>\r\n
    <p>The amount of your income is usually determined by factors such as the length of your payment period. You have the option of either receiving payments for the rest of your life or a predetermined number of years. How much you receive is influenced by whether you opt for a guaranteed payout known as a fixed annuity. Likewise, your payout stream is determined by the performance of your annuity's underlying investments, which is known as a variable annuity. Although annuities are helpful retirement planning tools, certain people find them a terrible investment choice because of their notoriously high expenses. If you consider investing in an annuity, research it thoroughly before deciding whether it is a worthwhile investment for you.</p>\r\n
    <h2>Fixed or Variable Retirement Annuities</h2>\r\n
    <p>You can always buy into a retirement annuity using either a lump-sum payment or a series of payments. With a fixed product, you can know ahead of time how much you will receive once the annuitization phase starts. The annuitization stage is when the insurer begins making payments back to you because the rate of return is fixed for a predetermined number of years or life. Usually, they tend to be conservative since the rate is in the ballpark of what a certificate of deposit would pay. Income annuities that are either deferred or immediate, depending on your age, offer significantly higher rates than most coupon and CD rates. They also provide more excellent safety than bonds.</p>\r\n
    <p>However, variable annuities work differently. Your return relies on the performance of a basket of bond and<a href="financial/top-ways-to-smartly-invest-your-retirement-fund" target="_blank"> stock products</a>, known as subaccounts, which you select. Although there is more risk involved, there is an immense growth opportunity compared to a fixed annuity. Even when the market performs poorly, the insurer may allow you to purchase a rider that guarantees you a minimum withdrawal.</p>\r\n
    <h2>Immediate and Deferred Retirement Annuities</h2>\r\n
    <p>When you opt for an immediate annuity, you will pay a lump sum to the insurer and start collecting regular payments right away. It is important that you<a href="https://www.annuityexpertadvice.com/"> learn more on the types of annuities</a> before making your decision. You may choose to put some of your nest egg into an annuity once you retire to ensure a steady income stream. On the contrary, a deferred product is more of a long-term tool. After joining, you can't collect until a preset date. Your money has the opportunity to either accrue interest through fixed annuities or benefit from market gains via variable annuities.</p>\r\n
    <h2>Benefits of Annuities</h2>\r\n
    <p><img src="/images/articles/global-economy/3_Useful_Tips_for_Protecting_Yourself_From_Identity_Theft.jpeg" alt="3 Useful Tips for Protecting Yourself From Identity Theft" width="500" height="333" /></p>\r\n
    <p>When considering the benefits of retirement annuities, there is much to consider. The following are some of the reasons why annuities can be attractive.</p>\r\n
    <p><span style="color: #000000;"><strong>1. Deferred Distributions</strong></span></p>\r\n
    <p>A tax-deferred status is a perk that comes with annuities. It is different from other popular retirements such as CDs for which you have to pay taxes when they reach their maturity dates. This aspect gives you some sense of control over when to pay taxes. Since you have less taxable income when you delay withdrawals, leaving money in a deferred annuity can reduce your Social Security taxes.</p>\r\n
    <p><span style="color: #000000;"><strong>2. Income for Life</strong></span></p>\r\n
    <p>Although some annuities only pay for a particular time, it generally provides an income that you cannot possibly outlive. Unless your nest egg is considerably large, most traditional investment schemes are incapable of providing you with income for life. An annuity ensures that folks with modest means will have something to supplement Social Security even if they get old.</p>\r\n
    <p><span style="color: #000000;"><strong>3. Guaranteed Rates</strong></span></p>\r\n
    <p>Although payouts from variable annuities depend on how the market performs, you know what your rate of return will be for a particular period with fixed annuities. The guaranteed rates are a<a href="https://www.huffpost.com/entry/annuities-101_b_904483" target="_blank" rel="noopener"> better alternative</a> than putting your money into corporate bonds or equities if you are looking for a predictable source of income.</p>\r\n
    <h2>Disadvantages of Annuities</h2>\r\n
    <p><img src="/images/Tax_Time.png" alt="Tax_Time.png" width="500" height="333" /></p>\r\n
    <p>The following are some problems associated with annuities.</p>\r\n
    <p><span style="color: #000000;"><strong>1. Lack of liquidity</strong></span></p>\r\n
    <p>Some annuities come with a surrender fee that you incur if you try to withdraw within the first few years of your contract. Although they are sometimes more extended, the surrender phase typically lasts between six to eight years. It is difficult to cancel your warranty if you find the fees too high.</p>\r\n
    <p><span style="color: #000000;"><strong>2. High Fees</strong></span></p>\r\n
    <p>Compared to CDs and mutual funds, the cost of annuities is higher. Many grants are sold through agents whose commission you pay through upfront sales charges. To help you get around the<a href="https://www.forbes.com/sites/joeljohnson/2016/08/01/annuities-the-good-and-the-bad/?sh=6ecec8d42318" target="_blank" rel="noopener"> upfront fee</a>, look for directly sold products that you buy straight from the insurer. However, you could still be faced with sizeable annual expenses. Even for an actively managed mutual fund, the cost would be too high. Also, you will be paying more if you take out remarkable riders to increase your coverage.</p>\r\n
    <p><span style="color: #000000;"><strong>3. Higher Tax Rates</strong></span></p>\r\n
    <p>The tax-deferred status of your investment gains and interest is usually among the main selling points of annuities. However, any net returns you received are taxed as ordinary income when you make a withdrawal. The amount could be much higher than the capital gains tax rate, depending on your tax bracket. Before putting your money into a variable annuity, you will be better off maximizing your retirement account if you are young.</p>\r\n
    <p>A retirement annuity can be a secure way to make sure you don't outlive your assets, especially if you are uncomfortable with managing an investment portfolio. Before settling on one, ensure you pay close attention to the fees and avoid the more exotic variations. Never take out a more significant contract than you need. Be alert If anyone suggests that you exchange your current annuity for a new annuity. There is a section of the IRS code that regulates annuity exchanges. What you might not know is that the insurance agent earns a fat commission from the business. If you bought an annuity that you no longer want, you could ask to surrender it. Choose an annuity that is suitable for your needs.</p>
    """
  -user: Proxies\__CG__\App\Entity\User {#1092 …}
  -createdAt: DateTime @1625680145 {#1145
    date: 2021-07-07 17:49:05.0 UTC (+00:00)
  }
  -updatedAt: DateTime @1625680225 {#1150
    date: 2021-07-07 17:50:25.0 UTC (+00:00)
  }
  -deletedAt: null
  -category: App\Entity\Category {#445 …}
  -status: "published"
  -imageCard: Proxies\__CG__\App\Entity\File {#1184 …}
  -ImageHeader: Proxies\__CG__\App\Entity\File {#1184 …}
  -featured: false
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  -clicks: 2739
  -comments: Doctrine\ORM\PersistentCollection {#1125 …}
  -reviewed_at: DateTime @1625680145 {#1148
    date: 2021-07-07 17:49:05.0 UTC (+00:00)
  }
  -metakey: "Understanding The Basics Of Retirement Annuity And Its Benefits For Your Future"
  -metadesc: "An annuity is an insurance product that pays out income and can be used as part of a retirement strategy."
  -robots: null
  -publishedAt: DateTime @1625680145 {#1147
    date: 2021-07-07 17:49:05.0 UTC (+00:00)
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  -canonical: null
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}

AppController :: renderFooter (token = 4ece11)

Key Value
_controller 
"App\Controller\AppController::renderFooter"
_format 
"html"
_locale 
"en"
_stopwatch_token 
"671d0d"

CookieController :: renderCookie (token = db3027)

Key Value
_controller 
"App\Controller\CookieController::renderCookie"
_format 
"html"
_locale 
"en"
_stopwatch_token 
"e67233"