immediate annuity

简明释义

即期年金率

英英释义

例句

1.Investing in an immediate annuity can help manage longevity risk by providing income for life.

投资于即期年金可以通过提供终身收入来帮助管理长寿风险。

2.When you buy an immediate annuity, you exchange a lump sum for regular income payments.

当你购买一个即期年金时，你用一笔总额交换定期的收入支付。

3.An immediate annuity can provide monthly payments that are guaranteed for the rest of your life.

一个即期年金可以提供保证终身的每月付款。

4.Many financial advisors recommend an immediate annuity for those looking to secure their retirement funds.

许多财务顾问建议那些希望保障退休资金的人购买即期年金。

5.After retiring, John decided to purchase an immediate annuity to ensure a steady income stream.

退休后，约翰决定购买一个即期年金以确保稳定的收入来源。

作文

An annuity is a financial product that provides a series of payments made at equal intervals. One specific type of annuity is the immediate annuity, which begins to pay out almost immediately after a lump sum is invested. This financial tool can be particularly beneficial for retirees who are looking for a steady income stream during their retirement years. The concept of an immediate annuity can be understood more clearly when we consider its structure and purpose. When an individual purchases an immediate annuity, they typically make a one-time payment to an insurance company or financial institution. In return, the company agrees to provide the individual with regular payments over a specified period or for the rest of their life. This arrangement alleviates the risk of outliving one’s savings, as the individual is guaranteed a predictable income. For many retirees, this predictability is crucial as it helps in budgeting and managing expenses. There are various types of immediate annuities. Some offer fixed payments, while others may provide variable payments that can fluctuate based on market performance. Regardless of the type chosen, the primary appeal of an immediate annuity lies in its ability to convert a lump sum of money into a reliable income stream. This feature is especially attractive to those who may not have the expertise or desire to manage investments actively. Moreover, the timing of the payments from an immediate annuity is another critical aspect. Payments typically begin within a year of the initial investment, making it an appealing option for individuals who need immediate cash flow. This immediacy can be particularly helpful for those who have retired and need to cover living expenses such as housing, healthcare, and daily needs. However, it is essential to consider the potential downsides of an immediate annuity. Once the lump sum is paid, it is generally not accessible for other purposes. This lack of liquidity can be a significant drawback for some individuals, especially if unexpected expenses arise. Additionally, depending on the terms of the annuity, there may be limited options for beneficiaries upon the death of the annuitant. It is crucial for anyone considering an immediate annuity to thoroughly understand the contract and its implications. In conclusion, an immediate annuity can serve as an effective financial strategy for individuals seeking a stable income during retirement. By converting a lump sum into a series of payments, it provides peace of mind and financial security. However, like any financial product, it is essential to weigh the benefits against the potential drawbacks. Consulting with a financial advisor can help individuals make informed decisions about whether an immediate annuity aligns with their long-term financial goals. Ultimately, understanding the nuances of an immediate annuity can empower individuals to take control of their financial futures and ensure they have the resources needed to enjoy their retirement years.

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。其中一种特定类型的年金是即时年金，它在一次性投资后几乎立即开始支付。这种金融工具对于希望在退休期间获得稳定收入流的退休人员尤其有利。通过考虑其结构和目的，我们可以更清楚地理解即时年金的概念。当个人购买即时年金时，他们通常向保险公司或金融机构支付一次性款项。作为回报，该公司同意在规定的时间内或终身向个人提供定期付款。这种安排减轻了超出储蓄寿命的风险，因为个人获得了可预测的收入。对于许多退休人员来说，这种可预测性至关重要，因为它有助于预算和管理开支。即时年金有多种类型。有些提供固定付款，而另一些可能提供根据市场表现波动的可变付款。无论选择哪种类型，即时年金的主要吸引力在于其将一笔一次性资金转换为可靠收入流的能力。这一特性对那些可能没有专业知识或不愿积极管理投资的人尤其具有吸引力。此外，即时年金的付款时间也是一个关键方面。付款通常在初始投资后的年度内开始，使其成为需要即时现金流的个人的吸引选项。这种及时性对于那些已退休并需要覆盖住房、医疗保健和日常需求等生活开支的人尤其有帮助。然而，考虑即时年金的潜在缺点也是至关重要的。一旦支付了一次性款项，通常无法用于其他目的。这种流动性不足可能是一些个人的重大缺陷，特别是在意外支出出现时。此外，根据年金的条款，受益人在年金领取人去世后可能会有有限的选择。任何考虑即时年金的人都必须彻底了解合同及其影响。总之，即时年金可以作为寻求退休期间稳定收入的个人的有效财务策略。通过将一笔资金转化为一系列付款，它提供了安心和财务安全。然而，像任何金融产品一样，权衡好处与潜在缺点至关重要。咨询财务顾问可以帮助个人做出明智的决定，以确定即时年金是否符合他们的长期财务目标。最终，理解即时年金的细微差别可以使个人掌控自己的财务未来，并确保他们拥有享受退休生活所需的资源。