purchased annuities

简明释义

购入年金

英英释义

例句

1.Some people prefer purchased annuities over traditional savings accounts due to their guaranteed returns.

由于保证收益，一些人更喜欢购买年金而不是传统储蓄账户。

2.Financial advisors often recommend purchased annuities as part of a diversified investment strategy.

财务顾问通常建议将购买年金作为多元化投资策略的一部分。

3.Investing in purchased annuities can provide financial security for your future.

投资于购买年金可以为你的未来提供财务安全。

4.Before deciding on purchased annuities, it's important to assess your long-term financial goals.

在决定购买年金之前，评估你的长期财务目标是很重要的。

5.Many retirees rely on purchased annuities to ensure a steady income during retirement.

许多退休人员依靠购买年金来确保退休期间有稳定的收入。

作文

In today's financial landscape, individuals are increasingly seeking ways to secure their future and ensure a stable income during retirement. One popular option that has gained traction is the concept of purchased annuities (购买年金). These financial products can provide a reliable source of income, making them an attractive choice for those looking to manage their retirement funds effectively.A purchased annuity is essentially a contract between an individual and an insurance company. In this arrangement, the individual pays a lump sum or a series of payments to the insurer in exchange for regular income payments in the future. The primary appeal of purchased annuities lies in their ability to offer guaranteed income for a specified period or even for the lifetime of the annuitant. This feature is particularly appealing to retirees who want to avoid the risk of outliving their savings.There are various types of annuities available in the market, including fixed, variable, and indexed annuities. Fixed annuities offer a predetermined interest rate, providing stability and predictability. Variable annuities, on the other hand, allow individuals to invest in various financial instruments, with the potential for higher returns but also greater risk. Indexed annuities combine elements of both fixed and variable annuities, linking returns to a specific market index while offering some level of protection against market downturns.When considering purchased annuities, it is essential for individuals to evaluate their financial goals, risk tolerance, and the specific terms of the annuity contract. Factors such as fees, surrender charges, and the issuer's creditworthiness should also be taken into account. It is advisable to consult with a financial advisor who can provide personalized guidance tailored to one’s unique situation.One of the significant advantages of purchased annuities is their tax-deferred growth potential. The money invested in an annuity grows without being taxed until it is withdrawn, allowing for more substantial accumulation over time. This feature can be particularly beneficial for individuals looking to maximize their retirement savings.However, it is crucial to recognize that purchased annuities may not be suitable for everyone. The lack of liquidity can be a drawback, as funds are typically locked in for a specified period. If an individual requires access to their money before the term ends, they may face penalties or reduced payouts. Additionally, the complexity of annuity contracts can make it challenging for some consumers to understand the full implications of their investment.In conclusion, purchased annuities (购买年金) represent a viable option for individuals seeking a steady income stream during retirement. By understanding the various types of annuities, their benefits, and potential drawbacks, individuals can make informed decisions that align with their financial objectives. As with any financial product, thorough research and professional advice are key components in navigating the world of annuities effectively.

在当今的金融环境中，个人越来越寻求确保未来和在退休期间获得稳定收入的方法。一个逐渐受到关注的热门选择是购买年金（purchased annuities）的概念。这些金融产品可以提供可靠的收入来源，使其成为那些希望有效管理退休资金的人的吸引选择。购买年金本质上是个人与保险公司之间的合同。在这种安排中，个人向保险公司支付一笔一次性款项或一系列付款，以换取未来定期的收入支付。购买年金的主要吸引力在于它们能够为特定时期或甚至年金领取人终身提供保证收入。这一特点对希望避免用尽储蓄风险的退休人员特别有吸引力。市场上有多种类型的年金可供选择，包括固定年金、变动年金和指数年金。固定年金提供预定的利率，提供稳定性和可预测性。而变动年金则允许个人投资于各种金融工具，具有更高的回报潜力，但也伴随着更大的风险。指数年金结合了固定年金和变动年金的元素，将回报与特定市场指数挂钩，同时提供某种程度的市场下行保护。在考虑购买年金时，个人必须评估他们的财务目标、风险承受能力和年金合同的具体条款。费用、解约费和发行人的信用评级等因素也应考虑在内。建议咨询财务顾问，以获取针对个人独特情况的个性化指导。购买年金的一个显著优势是其税延增长潜力。投资于年金的资金在提取之前不会被征税，从而使资金能够随着时间的推移而大幅累积。对于希望最大化退休储蓄的个人而言，这一特点尤为重要。然而，必须认识到购买年金可能并不适合每个人。缺乏流动性可能是一个缺点，因为资金通常被锁定在特定期限内。如果个人在期限结束之前需要访问资金，他们可能会面临罚款或减少的支付。此外，年金合同的复杂性可能使某些消费者难以理解其投资的全部影响。总之，购买年金（purchased annuities）代表了寻求在退休期间获得稳定收入流的个人的一种可行选择。通过了解各种类型的年金、其好处和潜在缺点，个人可以做出与其财务目标一致的明智决策。与任何金融产品一样，全面的研究和专业建议是有效导航年金世界的关键组成部分。