varying annuity

简明释义

变额年金

英英释义

例句

1.Many retirees choose a varying annuity to provide income that adjusts with inflation.

许多退休人员选择可变年金来提供随着通货膨胀调整的收入。

2.A varying annuity can help you manage your cash flow during retirement more effectively.

可变年金可以帮助您在退休期间更有效地管理现金流。

3.Investors often consider a varying annuity as a way to diversify their retirement portfolio.

投资者通常将可变年金视为多样化退休投资组合的一种方式。

4.Some financial advisors recommend a varying annuity for clients who want more flexibility in their retirement income.

一些财务顾问建议客户选择可变年金，以便在退休收入中获得更多灵活性。

5.With a varying annuity, the payout amount can change based on the performance of underlying investments.

通过可变年金，支付金额可以根据基础投资的表现而变化。

作文

In the world of finance and investment, understanding various financial products is crucial for making informed decisions. One such product that has garnered attention in recent years is the varying annuity. A varying annuity (变额年金) is a type of annuity that allows for fluctuating payments over time, typically based on the performance of underlying investments. This feature makes it distinct from fixed annuities, which provide a guaranteed payout regardless of market conditions. The primary appeal of a varying annuity lies in its potential for growth. Investors can allocate their funds into different investment options, such as stocks, bonds, or mutual funds, which can lead to varying returns. As the investments perform well, the payouts from the varying annuity can increase, providing a source of income that may outpace inflation and enhance financial security during retirement. However, the variability of payments also introduces a level of risk. Unlike fixed annuities, where the income is stable and predictable, the returns from a varying annuity can be unpredictable. Market downturns can significantly reduce the value of the underlying investments, leading to lower payouts. Therefore, while a varying annuity offers the potential for higher returns, it requires careful consideration and risk management. Investors should also be aware of the fees associated with varying annuities. These products often come with higher management fees compared to fixed annuities due to the active management of the investment portfolio. Additionally, there may be surrender charges if the investor decides to withdraw funds early. Understanding these costs is essential for evaluating the overall value of a varying annuity. When considering a varying annuity, it is important to assess one’s personal financial goals and risk tolerance. For individuals who are comfortable with market fluctuations and are seeking potential growth, a varying annuity could be a suitable option. Conversely, those who prefer stability and predictability may find fixed annuities more aligned with their needs. In conclusion, a varying annuity (变额年金) is a versatile financial product that can offer both opportunities and challenges. Its ability to provide variable income based on market performance can be attractive for investors looking to maximize their retirement savings. However, the associated risks and costs must be carefully weighed against individual financial goals. As with any investment decision, it is advisable to consult with a financial advisor to ensure that a varying annuity fits within a well-rounded financial plan.

在金融和投资的世界中，理解各种金融产品对于做出明智的决策至关重要。其中一种近年来备受关注的产品是变额年金。变额年金是一种允许随时间波动支付的年金，通常基于基础投资的表现。这一特性使其与固定年金有所不同，后者提供无论市场条件如何都保证的支付。变额年金的主要吸引力在于其增长潜力。投资者可以将资金分配到不同的投资选项中，例如股票、债券或共同基金，这可能导致不同的回报。随着投资表现良好，变额年金的支付可能会增加，为退休期间提供一种可能超过通货膨胀的收入来源，从而增强财务安全。然而，支付的可变性也带来了风险。与固定年金不同，固定年金的收入稳定且可预测，变额年金的回报可能是不确定的。市场下跌可能会显著降低基础投资的价值，从而导致支付减少。因此，虽然变额年金提供了更高回报的潜力，但它需要谨慎考虑和风险管理。投资者还应注意与变额年金相关的费用。这些产品通常由于投资组合的积极管理而比固定年金收取更高的管理费。此外，如果投资者决定提前提取资金，可能会有退保费用。理解这些成本对于评估变额年金的整体价值至关重要。在考虑变额年金时，评估个人的财务目标和风险承受能力非常重要。对于那些对市场波动感到舒适并寻求潜在增长的人来说，变额年金可能是一个合适的选择。相反，那些更喜欢稳定和可预测性的人可能会发现固定年金更符合他们的需求。总之，变额年金是一种多功能的金融产品，可以提供机会和挑战。其根据市场表现提供可变收入的能力对寻求最大化退休储蓄的投资者可能具有吸引力。然而，相关的风险和成本必须仔细权衡，以符合个人的财务目标。与任何投资决策一样，建议咨询财务顾问，以确保变额年金符合全面的财务计划。