deferred annuity

简明释义

递延年金,延期付款年金

英英释义

例句

1.Many people choose a deferred annuity to save for retirement because it allows their investments to grow tax-deferred.

许多人选择递延年金来为退休储蓄，因为它允许他们的投资在税收递延的情况下增长。

2.The main advantage of a deferred annuity is the potential for tax-deferred growth on your investment.

递延年金的主要优势是您投资的潜在税收递延增长。

3.Investing in a deferred annuity can provide peace of mind, knowing you will have a steady income later in life.

投资于递延年金可以让人安心，知道自己在晚年会有稳定的收入。

4.A financial advisor recommended a deferred annuity to help my parents secure their future income.

一位财务顾问建议我的父母购买递延年金以确保他们未来的收入。

5.With a deferred annuity, you can make contributions over time and receive payments starting at a future date.

通过递延年金，您可以随着时间的推移进行缴款，并在未来某个日期开始领取付款。

作文

A financial product that often confuses many people is the deferred annuity. Understanding this term is crucial for anyone interested in retirement planning or long-term investments. A deferred annuity is essentially a contract between an individual and an insurance company, where the individual makes a series of payments or a lump sum payment to the insurer, and in return, the insurer agrees to provide income at a later date, typically during retirement. This arrangement allows individuals to save money on a tax-deferred basis, meaning they won’t have to pay taxes on the earnings until they start receiving payments from the annuity.The primary appeal of a deferred annuity lies in its ability to grow over time. When you invest in a deferred annuity, your money can accumulate interest, which can significantly increase your total savings by the time you retire. There are two main phases in a deferred annuity: the accumulation phase and the distribution phase. During the accumulation phase, your investment grows, while in the distribution phase, you begin to receive payments, which can be structured in various ways depending on your needs.One of the key benefits of a deferred annuity is the tax advantages it offers. Since the growth of your investment is tax-deferred, you can potentially accumulate more wealth over time compared to taxable accounts. This feature makes deferred annuities particularly attractive for individuals who expect to be in a lower tax bracket during retirement. However, it’s important to note that withdrawals made before the age of 59½ may incur penalties, along with taxes on the earnings.There are different types of deferred annuities, including fixed, variable, and indexed annuities. Fixed annuities provide a guaranteed return, making them a safer option for conservative investors. On the other hand, variable annuities allow you to invest in various sub-accounts, which can lead to higher returns but also come with increased risk. Indexed annuities are a hybrid option that offers a return linked to a specific stock market index, providing some potential for growth while also offering a level of protection against market downturns.When considering a deferred annuity, it’s essential to evaluate your financial goals, risk tolerance, and retirement timeline. Consulting with a financial advisor can help you determine if a deferred annuity aligns with your overall investment strategy. Additionally, it’s crucial to read the fine print of any annuity contract, as fees and surrender charges can impact your returns.In conclusion, a deferred annuity can be a valuable tool for retirement planning, offering tax-deferred growth and a steady income stream in the future. By understanding how deferred annuities work and their various types, individuals can make informed decisions about their financial future. As with any investment, thorough research and professional advice are key to maximizing the benefits of a deferred annuity and ensuring it fits into your broader retirement strategy.

一个常常让很多人感到困惑的金融产品是递延年金。理解这个术语对于任何对退休规划或长期投资感兴趣的人来说都是至关重要的。递延年金本质上是个人与保险公司之间的一种合同，个人向保险公司支付一系列款项或一次性付款，作为回报，保险公司同意在未来的某个时间提供收入，通常是在退休期间。这种安排允许个人在税收递延的基础上存钱，这意味着他们在开始接收年金支付之前，不需要对收益缴纳税款。递延年金的主要吸引力在于其随时间增长的能力。当你投资于递延年金时，你的钱可以积累利息，这在你退休时可以显著增加你的总储蓄。递延年金有两个主要阶段：积累阶段和分配阶段。在积累阶段，你的投资增长，而在分配阶段，你开始接收支付，这可以根据你的需求以各种方式进行结构化。递延年金的一个关键好处是它所提供的税收优势。由于你的投资增长是税收递延的，因此与应税账户相比，你可能会随着时间的推移积累更多的财富。这个特性使得递延年金对于那些预计在退休时会处于较低税率的人特别有吸引力。然而，需要注意的是，在59岁半之前进行的取款可能会产生罚款，以及对收益的税收。递延年金有不同类型，包括固定年金、可变年金和指数年金。固定年金提供保证回报，使其成为保守投资者的更安全选择。另一方面，可变年金允许你投资于各种子账户，这可能导致更高的回报，但也伴随着更大的风险。指数年金是一种混合选项，其回报与特定股票市场指数挂钩，在市场下跌时提供一定程度的保护，同时也提供增长潜力。在考虑递延年金时，评估你的财务目标、风险承受能力和退休时间表是至关重要的。咨询财务顾问可以帮助你确定递延年金是否与你的整体投资策略相符。此外，仔细阅读任何年金合同的细则，因为费用和退保费用可能会影响你的回报。总之，递延年金可以成为退休规划的一个有价值的工具，提供税收递延增长和未来稳定的收入流。通过了解递延年金的运作方式及其各种类型，个人可以对自己的财务未来做出明智的决策。与任何投资一样，彻底的研究和专业建议是最大化递延年金好处和确保其适合你更广泛的退休策略的关键。