variable annuity

简明释义

变动年金,变值年金

英英释义

例句

1.The performance of a variable annuity is linked to the performance of the investments chosen by the policyholder.

变额年金的表现与保单持有人选择的投资表现相关。

2.Before purchasing a variable annuity, it's important to understand the fees involved.

在购买变额年金之前，了解相关费用是很重要的。

3.A variable annuity can provide both investment options and insurance benefits.

变额年金可以提供投资选项和保险福利。

4.Many investors choose a variable annuity for its potential to grow their retirement savings over time.

许多投资者选择变额年金，因为它有潜力随着时间的推移增长他们的退休储蓄。

5.Some people prefer a fixed annuity over a variable annuity due to its guaranteed returns.

由于有保证的回报，有些人更喜欢固定年金而不是变额年金。

作文

A variable annuity is a type of investment product that combines features of insurance and investment. It is designed to provide individuals with a steady income stream during retirement, while also allowing them to invest in various financial markets. The primary appeal of a variable annuity lies in its potential for growth, as the returns are linked to the performance of underlying investment options, such as stocks and bonds. This means that the value of the annuity can fluctuate over time, reflecting the ups and downs of the market. One of the key benefits of a variable annuity is the tax-deferred growth it offers. This means that individuals do not have to pay taxes on the earnings from their investments until they withdraw the funds. This feature can be particularly advantageous for those looking to maximize their retirement savings, as it allows for compounding growth without the immediate tax burden. Additionally, many variable annuities come with optional riders that can provide additional benefits, such as guaranteed minimum income or death benefits, which can further enhance the security of the investment. However, it is essential to understand that variable annuities also come with risks and costs. The performance of the annuity is directly tied to the selected investment options, which means that if the market performs poorly, the value of the annuity can decrease significantly. Furthermore, variable annuities typically have higher fees compared to other investment vehicles. These fees can include mortality and expense risk charges, administrative fees, and investment management fees, which can erode returns over time. When considering a variable annuity, it is crucial for individuals to assess their financial goals, risk tolerance, and investment horizon. A variable annuity may be suitable for those who are comfortable with market fluctuations and are seeking long-term growth, but it may not be the best choice for conservative investors who prefer stability and guaranteed returns. In conclusion, a variable annuity can be a valuable tool for retirement planning, offering the potential for growth and tax advantages. However, it is vital to weigh the benefits against the associated risks and costs. Individuals should consult with a financial advisor to determine whether a variable annuity aligns with their overall financial strategy and retirement goals. By understanding the intricacies of this investment product, individuals can make informed decisions that will help secure their financial future.

可变年金是一种结合了保险和投资特征的投资产品。它旨在为个人提供退休期间稳定的收入流，同时允许他们投资于各种金融市场。可变年金的主要吸引力在于其增长潜力，因为回报与基础投资选项（如股票和债券）的表现相关。这意味着年金的价值可能会随着时间的推移而波动，反映出市场的起伏。可变年金的一个关键好处是其提供的税延增长。这意味着个人在提取资金之前，不必对投资收益缴纳税款。这一特性对于希望最大化退休储蓄的人尤其有利，因为它允许在没有即时税负的情况下进行复利增长。此外，许多可变年金还附带可选附加条款，可以提供额外的好处，如最低收入保障或死亡福利，这可以进一步增强投资的安全性。然而，重要的是要理解，可变年金也伴随着风险和成本。年金的表现直接与所选择的投资选项相关，这意味着如果市场表现不佳，年金的价值可能会显著下降。此外，与其他投资工具相比，可变年金通常具有更高的费用。这些费用可能包括死亡和费用风险收费、管理费用和投资管理费用，这些都可能随着时间的推移侵蚀回报。在考虑可变年金时，个人必须评估他们的财务目标、风险承受能力和投资期限。可变年金可能适合那些对市场波动感到舒适并寻求长期增长的人，但对于那些更喜欢稳定和保证回报的保守投资者来说，可能不是最佳选择。总之，可变年金可以成为退休规划中的一个有价值的工具，提供增长潜力和税收优势。然而，权衡好处与相关风险和成本至关重要。个人应咨询财务顾问，以确定可变年金是否与他们的整体财务策略和退休目标一致。通过理解这一投资产品的复杂性，个人可以做出明智的决策，从而帮助确保他们的财务未来。