fixed annuity

简明释义

固定年金

英英释义

例句

1.Investing in a fixed annuity can provide peace of mind during market volatility.

投资于固定年金可以在市场波动期间带来安心。

2.Many people choose a fixed annuity to ensure their financial security in retirement.

许多人选择固定年金以确保退休时的财务安全。

3.A fixed annuity is a great option for retirees looking for stable income.

对于寻求稳定收入的退休人员来说，固定年金是一个很好的选择。

4.A fixed annuity can help you manage your long-term financial goals effectively.

固定年金可以帮助您有效管理长期财务目标。

5.With a fixed annuity, you receive guaranteed payments for a specified period.

通过固定年金，您将在指定期限内收到保证支付。

作文

A fixed annuity is a financial product that provides individuals with a steady stream of income over a specified period or for the rest of their lives. This type of annuity is an attractive option for those seeking stability and predictability in their retirement planning. Unlike variable annuities, which can fluctuate based on market performance, a fixed annuity guarantees a fixed interest rate and a consistent payment schedule. This characteristic makes it particularly appealing to conservative investors who prefer to avoid the risks associated with market volatility.When purchasing a fixed annuity, individuals typically make a lump sum payment or a series of payments to an insurance company. In return, the insurer agrees to pay a predetermined amount of money at regular intervals, which can be monthly, quarterly, or annually. The duration of these payments can vary; some contracts offer payments for a set number of years, while others provide lifetime income, ensuring that the individual will not outlive their savings.One of the primary benefits of a fixed annuity is the tax-deferred growth it offers. This means that the money invested in the annuity grows without being subject to taxes until it is withdrawn. For retirees, this can be a significant advantage, as it allows their investments to accumulate over time, potentially resulting in a larger payout when they begin receiving distributions.However, there are also drawbacks to consider. One potential downside of a fixed annuity is the lack of liquidity. Once funds are placed into an annuity, accessing them before the contract matures can result in surrender charges and penalties. This can be a concern for individuals who may need access to their funds in case of emergencies or unexpected expenses.Additionally, while fixed annuities provide security, they may not offer the same growth potential as other investment options, such as stocks or mutual funds. This is particularly relevant in times of low-interest rates, where the returns on fixed annuities may not keep pace with inflation, potentially eroding purchasing power over time.In conclusion, a fixed annuity can be a valuable component of a retirement strategy for those seeking guaranteed income and reduced risk. It is essential for individuals to assess their financial goals, risk tolerance, and liquidity needs before committing to this type of investment. By understanding the features and limitations of a fixed annuity, individuals can make informed decisions that align with their long-term financial objectives. As with any financial product, consulting with a financial advisor can provide additional insights and help tailor a plan that best suits one's needs and circumstances.

固定年金是一种金融产品，为个人在特定时期或其余生提供稳定的收入流。这种类型的年金对那些寻求稳定性和可预测性的退休规划的人来说是一个有吸引力的选择。与根据市场表现波动的可变年金不同，固定年金保证固定的利率和一致的支付计划。这一特性使其特别吸引保守投资者，他们更愿意避免与市场波动相关的风险。在购买固定年金时，个人通常会向保险公司支付一笔一次性付款或一系列付款。作为回报，保险公司同意在规定的时间间隔内支付预定金额，这可以是每月、每季度或每年。这些付款的持续时间可以有所不同；一些合同提供一定年限的付款，而其他合同则提供终身收入，确保个人不会耗尽储蓄。固定年金的主要好处之一是它提供的税收递延增长。这意味着投资于年金的资金在提取之前不会受到税收的影响。对于退休人员来说，这可能是一个重要的优势，因为这允许他们的投资随着时间的推移而累积，可能在开始领取分配时获得更大的支付。然而，也有一些缺点需要考虑。固定年金的一个潜在缺点是缺乏流动性。一旦资金投入年金，在合同到期之前访问这些资金可能会导致退保费用和罚款。这可能对那些在紧急情况或意外费用中可能需要访问资金的个人构成担忧。此外，虽然固定年金提供安全性，但它们可能没有其他投资选项（如股票或共同基金）提供的同样增长潜力。这在低利率时期尤其相关，此时固定年金的回报可能无法跟上通货膨胀，从而可能侵蚀购买力。总之，固定年金可以成为退休策略的重要组成部分，适合那些寻求保证收入和降低风险的人。个人在承诺这种类型的投资之前，评估自己的财务目标、风险承受能力和流动性需求至关重要。通过理解固定年金的特点和局限性，个人可以做出符合其长期财务目标的明智决策。与任何金融产品一样，咨询财务顾问可以提供额外的见解，并帮助量身定制最适合个人需求和情况的计划。