tax-sheltered annuities

简明释义

避税年金

英英释义

例句

1.Understanding the rules surrounding tax-sheltered annuities is crucial for maximizing benefits.

了解有关免税年金的规则对于最大化收益至关重要。

2.Some states allow additional tax deductions for tax-sheltered annuities.

某些州允许对免税年金进行额外的税收扣除。

3.Employers often offer tax-sheltered annuities as part of their benefits package.

雇主通常将免税年金作为其福利计划的一部分提供。

4.Many educators choose to invest in tax-sheltered annuities for retirement savings.

许多教育工作者选择投资于免税年金来进行退休储蓄。

5.Contributions to tax-sheltered annuities can reduce your taxable income.

对免税年金的贡献可以减少你的应税收入。

作文

In today's financial landscape, understanding various investment vehicles is crucial for building a secure future. One such vehicle that has gained popularity among individuals seeking to save for retirement is the tax-sheltered annuities. A tax-sheltered annuities (税收庇护年金) is a type of retirement savings plan that allows individuals to set aside money on a tax-deferred basis. This means that the contributions made to the annuity are not taxed until they are withdrawn, typically during retirement when the individual may be in a lower tax bracket.The appeal of tax-sheltered annuities lies in their ability to grow savings over time without the immediate burden of taxes. For many, this can lead to significant growth in their retirement funds. For example, if an individual contributes $5,000 annually to a tax-sheltered annuities and the account earns an average annual return of 6%, after 30 years, the account could grow to over $400,000. If that same amount were placed in a taxable account, the individual would lose a portion of those earnings to taxes each year, resulting in a much smaller nest egg by retirement.Moreover, tax-sheltered annuities are particularly beneficial for employees of certain organizations, such as schools and non-profits, who have access to these plans through their employers. These plans are often referred to as 403(b) plans, which are specifically designed for tax-exempt organizations. By participating in a tax-sheltered annuities, employees can take advantage of the tax benefits while also securing their financial future.Another important aspect to consider is the flexibility of tax-sheltered annuities. Many plans offer various investment options, including stocks, bonds, and mutual funds. This allows individuals to tailor their investment strategy according to their risk tolerance and retirement goals. Additionally, many tax-sheltered annuities provide options for withdrawals, although it is essential to understand the potential penalties for withdrawing funds before reaching retirement age.However, it is crucial to approach tax-sheltered annuities with a clear understanding of the fees and charges associated with these products. Some annuities come with high management fees or surrender charges that can eat into the overall returns. Therefore, individuals should conduct thorough research and consult with financial advisors to ensure they are making informed decisions about their retirement savings.In conclusion, tax-sheltered annuities (税收庇护年金) offer a valuable opportunity for individuals looking to save for retirement while minimizing their current tax liabilities. By allowing funds to grow tax-deferred, these annuities can significantly enhance the amount available during retirement. However, potential investors must be aware of the fees and limitations associated with these products to maximize their benefits. Ultimately, understanding and utilizing tax-sheltered annuities can be a powerful tool in achieving long-term financial security.

在当今的金融环境中，理解各种投资工具对于建立安全的未来至关重要。税收庇护年金 是一种在寻求为退休储蓄的个人中越来越受欢迎的投资工具。税收庇护年金（tax-sheltered annuities）是一种退休储蓄计划，允许个人以税延方式存入资金。这意味着对年金的贡献在提取之前不会被征税，通常是在退休时提取，此时个人可能处于较低的税率。税收庇护年金 的吸引力在于其能够在不立即承担税务负担的情况下实现储蓄的增长。对于许多人来说，这可以导致退休基金的显著增长。例如，如果一个人每年向税收庇护年金贡献5000美元，并且账户平均年回报率为6%，那么30年后，该账户的金额可能会增长到超过400,000美元。如果同样的金额放在应税账户中，个人每年将失去一部分收益用于税款，导致退休时的储蓄大大减少。此外，税收庇护年金 对于某些组织的员工尤其有利，例如学校和非营利组织，他们可以通过雇主获得这些计划。这些计划通常被称为403(b)计划，专为免税组织设计。通过参与税收庇护年金，员工可以利用税收优惠，同时确保自己的财务未来。另一个需要考虑的重要方面是税收庇护年金的灵活性。许多计划提供多种投资选择，包括股票、债券和共同基金。这使得个人能够根据自己的风险承受能力和退休目标量身定制投资策略。此外，许多税收庇护年金 提供提款选项，尽管了解在达到退休年龄之前提取资金的潜在罚款是至关重要的。然而，重要的是要以清晰的理解来接触税收庇护年金，了解与这些产品相关的费用和收费。一些年金的管理费或解除收费可能很高，这会侵蚀整体回报。因此，个人应进行彻底的研究并咨询财务顾问，以确保他们在退休储蓄方面做出明智的决定。总之，税收庇护年金（tax-sheltered annuities）为希望在减少当前税负的同时为退休储蓄的个人提供了宝贵的机会。通过允许资金税延增长，这些年金可以显著增强退休时可用的金额。然而，潜在投资者必须意识到与这些产品相关的费用和限制，以最大化其收益。最终，理解和利用税收庇护年金可以成为实现长期财务安全的强大工具。