immediate annuity

简明释义

即期年金

英英释义

例句

1.After retiring, John decided to purchase an immediate annuity for a steady income.

退休后，约翰决定购买一个即时年金以获得稳定的收入。

2.The financial advisor recommended an immediate annuity for those looking for low-risk investments.

财务顾问建议那些寻找低风险投资的人考虑即时年金。

3.An immediate annuity can provide you with monthly payments right after your initial investment.

一个即时年金可以在您初始投资后立即为您提供每月支付。

4.Many retirees opt for an immediate annuity to ensure they do not outlive their savings.

许多退休人员选择即时年金以确保他们不会耗尽储蓄。

5.With an immediate annuity, you can convert a lump sum of money into predictable income.

通过即时年金，您可以将一笔资金转换为可预测的收入。

作文

An annuity is a financial product that provides a series of payments made at equal intervals. Among the various types of annuities, an immediate annuity is particularly noteworthy. It is designed for individuals who are looking to secure a steady income stream right after making a lump-sum payment. In essence, an immediate annuity is a contract between an individual and an insurance company, where the individual pays a certain amount of money upfront in exchange for regular payments that begin almost immediately. This type of annuity can be an excellent option for retirees or those nearing retirement, as it offers a predictable source of income during their golden years.The appeal of an immediate annuity lies in its simplicity and reliability. Once the individual makes the initial investment, they can expect to receive payments on a monthly, quarterly, or annual basis, depending on the terms of the contract. This can help individuals budget their expenses more effectively, knowing exactly how much income they will receive each period. Additionally, an immediate annuity can provide peace of mind, as it reduces the uncertainty associated with market fluctuations and other investment risks.When considering an immediate annuity, it is essential to evaluate the various options available. There are different types of immediate annuities, including fixed, variable, and indexed annuities. A fixed immediate annuity guarantees a specific payment amount, while a variable one allows payments to fluctuate based on the performance of underlying investments. Indexed annuities are tied to a stock market index, offering potential growth while still providing some level of protection against losses. Each type has its own advantages and disadvantages, and individuals should carefully assess their financial situation and goals before choosing one.Another critical factor to consider is the longevity risk, which refers to the possibility of outliving one’s savings. An immediate annuity can mitigate this risk by providing a lifetime income option. Some contracts offer a feature that guarantees payments for the rest of the individual's life, regardless of how long they live. This can be particularly beneficial for those who have a family history of longevity or who simply want to ensure they have enough income throughout their retirement years.However, there are also drawbacks to an immediate annuity. One significant concern is the lack of liquidity. Once the lump-sum payment is made, it is challenging to access that money again. This can pose a problem if unexpected expenses arise or if the individual needs to make a large purchase. Additionally, the fees associated with annuities can vary widely, and some contracts may have high surrender charges if the individual decides to withdraw funds early.In conclusion, an immediate annuity can be a valuable financial tool for those seeking a reliable income stream during retirement. It offers simplicity, predictability, and protection against longevity risk. However, it is crucial for individuals to thoroughly research and understand the different types of annuities available, as well as their own financial needs and goals. By doing so, they can make informed decisions that will help secure their financial future. Ultimately, an immediate annuity can play a significant role in a well-rounded retirement plan, providing both stability and peace of mind.

年金是一种金融产品，提供定期的等额支付。在各种年金中，即期年金尤其值得注意。它旨在为那些希望在支付一次性款项后立即获得稳定收入的人提供保障。实质上，即期年金是个人与保险公司之间的合同，其中个人预先支付一定金额，以换取几乎立即开始的定期付款。这种类型的年金对于退休人员或接近退休的人来说是一个极好的选择，因为它在他们的黄金岁月中提供了可预测的收入来源。即期年金的吸引力在于其简单性和可靠性。一旦个人进行初始投资，他们可以期待按月、按季度或按年收到付款，具体取决于合同条款。这可以帮助个人更有效地预算开支，清楚地知道每个时期将获得多少收入。此外，即期年金可以提供安心，因为它减少了与市场波动和其他投资风险相关的不确定性。在考虑即期年金时，评估可用的各种选项至关重要。即期年金有不同类型，包括固定、可变和指数年金。固定即期年金保证特定的支付金额，而可变年金则允许根据基础投资的表现波动。指数年金与股票市场指数挂钩，在提供一定程度的损失保护的同时，提供潜在的增长。每种类型都有其优缺点，个人在选择之前应仔细评估自己的财务状况和目标。另一个需要考虑的重要因素是长寿风险，即可能活过自己储蓄的风险。即期年金可以通过提供终身收入选项来缓解这一风险。某些合同提供保证在个人生命期间支付的功能，无论他们活多久。这对那些有长寿家族史或仅仅想确保在退休期间有足够收入的人尤其有益。然而，即期年金也有缺点。一个显著的担忧是流动性不足。一旦支付了这笔一次性款项，就很难再次访问这些资金。如果出现意外开支或个人需要进行大额购买，这可能会造成问题。此外，与年金相关的费用差异很大，一些合同如果个人决定提前提取资金，可能会有高额的赎回费用。总之，即期年金对于那些寻求在退休期间获得可靠收入来源的人来说，可以成为一种有价值的金融工具。它提供简单性、可预测性和对长寿风险的保护。然而，个人必须彻底研究并了解可用的不同类型年金，以及他们自己的财务需求和目标。这样，他们才能做出明智的决策，从而帮助确保他们的财务未来。最终，即期年金可以在全面的退休计划中发挥重要作用，提供稳定性和安心。