annuity in possession

简明释义

即付养老金

英英释义

例句

1.After retiring, she received an annuity in possession that provided her with a steady income.

退休后，她获得了一份在持有中的年金，为她提供了稳定的收入。

2.An annuity in possession can be a reliable source of income for those who prefer fixed payments.

对于那些更喜欢固定付款的人来说，在持有中的年金可以是一个可靠的收入来源。

3.Investing in an annuity in possession can be a safe way to ensure financial stability during retirement.

投资于在持有中的年金可以确保退休期间的财务稳定，是一种安全的方式。

4.He planned to use the funds from his annuity in possession to travel the world.

他计划用他的在持有中的年金资金环游世界。

5.The financial advisor recommended that she convert her savings into an annuity in possession for better returns.

财务顾问建议她将储蓄转换为在持有中的年金以获得更好的回报。

作文

An annuity is a financial product that provides a series of payments made at equal intervals. In the realm of finance and investment, understanding different types of annuities is essential for making informed decisions. One specific type of annuity is referred to as an annuity in possession, which holds particular significance for individuals seeking a steady income stream during retirement. This essay will delve into the concept of annuity in possession, its implications, and how it can benefit retirees.To begin with, an annuity in possession is essentially an annuity that is currently being received by an individual. Unlike other forms of annuities that may be deferred or not yet in payment status, an annuity in possession signifies that the holder is actively receiving regular payments. This can provide a sense of financial security, especially for retirees who rely on these payments to cover their living expenses.The structure of an annuity in possession typically involves a lump-sum payment made to an insurance company or financial institution, which then guarantees a fixed series of payments over a specified period or for the lifetime of the individual. The amount received can vary based on several factors, including the initial investment, the duration of the payment period, and the terms agreed upon at the outset.One of the primary advantages of an annuity in possession is the predictability it offers. For retirees, knowing that they will receive a consistent income can alleviate anxiety about financial stability. This predictability allows individuals to budget their expenses more effectively, ensuring they can meet their needs without the fear of outliving their savings. Furthermore, an annuity in possession can serve as a hedge against market volatility, providing a reliable source of income regardless of economic conditions.However, it is important to consider the potential downsides of an annuity in possession. While the certainty of payments is appealing, the initial lump-sum investment can be substantial, and individuals may find themselves locked into the agreement for a long time. Additionally, the payments received from an annuity in possession may not keep pace with inflation, potentially eroding purchasing power over time. Therefore, it is crucial for individuals to carefully assess their financial situation and future needs before committing to such an investment.In conclusion, an annuity in possession serves as a vital tool for many retirees looking to secure their financial future. By providing a steady stream of income, it can enhance the quality of life for those who have worked hard throughout their lives. However, like any financial product, it is essential to weigh the benefits against the drawbacks. As the landscape of retirement planning continues to evolve, understanding the nuances of products like the annuity in possession will empower individuals to make choices that align with their financial goals and ensure a comfortable retirement.

年金是一种金融产品，提供在相等间隔内进行的一系列支付。在金融和投资领域，理解不同类型的年金对于做出明智的决策至关重要。其中一种特定类型的年金被称为持有年金，对于寻求在退休期间获得稳定收入流的个人具有特别的重要性。本文将探讨持有年金的概念、其含义以及它如何使退休人员受益。首先，持有年金本质上是指个人当前正在接收的年金。与其他可能被推迟或尚未支付的年金形式不同，持有年金表明持有人正在积极接收定期支付。这可以为退休人员提供一种财务安全感，尤其是那些依赖这些支付来覆盖生活费用的人。持有年金的结构通常涉及向保险公司或金融机构支付一次性款项，然后保证在指定期限内或个人的终身内支付固定系列的款项。收到的金额可能会根据多个因素而有所不同，包括初始投资、支付期限和在开始时达成的条款。持有年金的主要优点之一是它所提供的可预测性。对于退休人员来说，知道他们将收到一致的收入可以减轻对财务稳定的焦虑。这种可预测性使个人能够更有效地预算支出，确保他们能够满足自己的需求，而不必担心超出储蓄的使用。此外，持有年金可以作为对冲市场波动的工具，无论经济条件如何，都提供可靠的收入来源。然而，考虑持有年金的潜在缺点也很重要。虽然支付的确定性很吸引人，但最初的单笔投资可能相当可观，个人可能发现自己在长时间内被锁定在协议中。此外，来自持有年金的支付可能无法跟上通货膨胀，随着时间的推移可能会侵蚀购买力。因此，个人在决定投资之前，仔细评估自己的财务状况和未来需求是至关重要的。总之，持有年金是许多退休人员确保财务未来的重要工具。通过提供稳定的收入流，它可以提高那些一生辛勤工作的人的生活质量。然而，像任何金融产品一样，权衡好处与缺点至关重要。随着退休规划环境的不断演变，理解像持有年金这样的产品的细微差别将使个人能够做出与其财务目标相一致的选择，并确保舒适的退休生活。