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There are two certainties in life: death and taxes, or so it’s been said. While the thought of filing taxes may not fill you with delight, for many Americans, receiving a tax refund could be the mini financial windfall they need to get back on track with financial goals that may have gone awry during the year.

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This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.

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Spoiler alert: interest on excess reserves, forward guidance, and asset buys will remain important.