life annuity

简明释义

生命年金

英英释义

例句

1.After retiring, she decided to invest in a life annuity 终身年金 to ensure a steady income.

退休后，她决定投资于一个终身年金 life annuity，以确保稳定的收入。

2.He chose a life annuity 终身年金 because it provides payments for as long as he lives.

他选择了一个终身年金 life annuity，因为它提供的付款会持续到他去世。

3.A life annuity 终身年金 can be a great way to manage longevity risk.

一个终身年金 life annuity可以很好地管理长寿风险。

4.Many retirees prefer a life annuity 终身年金 for its predictability and security.

许多退休人员更喜欢终身年金 life annuity，因为它的可预测性和安全性。

5.She received a quote for a life annuity 终身年金 that promised monthly payments for her lifetime.

她收到了一个终身年金 life annuity的报价，承诺在她的余生中每月支付。

作文

A life annuity is a financial product that provides a steady stream of income for the lifetime of the individual who purchases it. This type of investment is particularly appealing to retirees who are looking for a reliable source of income during their golden years. The concept of a life annuity revolves around the idea of converting a lump sum of money into a series of regular payments, which can help individuals manage their finances more effectively as they age.The primary benefit of a life annuity is the security it offers. Once an individual invests in this financial product, they can rest assured that they will receive payments for the rest of their life, regardless of how long they live. This feature is particularly important in today’s society, where longevity is increasing, and many people find themselves living well into their 80s or even 90s. By purchasing a life annuity, retirees can mitigate the risk of outliving their savings, which is a significant concern for many.Moreover, a life annuity can be tailored to meet the specific needs of the individual. For instance, some may choose a fixed payment option, where the amount remains constant throughout their lifetime, while others may opt for a variable payment plan that can increase over time based on inflation or investment performance. Additionally, individuals can select whether they want their annuity to include a death benefit for their beneficiaries. This flexibility allows retirees to customize their income strategy according to their financial situation and personal preferences.However, there are also some downsides to consider when it comes to life annuities. One of the main drawbacks is the lack of liquidity. Once an individual invests their money into a life annuity, it is typically not accessible for other purposes. This can be problematic if unexpected expenses arise or if the individual wishes to make a significant purchase. Additionally, the fees associated with life annuities can vary widely, and it is essential for potential buyers to fully understand these costs before making a commitment.Another point to consider is the impact of inflation on the purchasing power of the annuity payments. If an individual chooses a fixed life annuity, the payments may lose value over time due to inflation, meaning that what seems like a comfortable income today may not suffice in the future. Therefore, it is crucial for retirees to weigh these factors carefully and consider whether a life annuity is the right choice for their financial strategy.In conclusion, a life annuity can be a valuable tool for individuals seeking financial security in retirement. It offers the promise of guaranteed income for life, which can alleviate concerns about outliving one’s savings. However, it is essential to consider both the advantages and disadvantages of this financial product before making a decision. By understanding the mechanics of a life annuity and how it fits into an overall retirement plan, individuals can make informed choices that align with their long-term financial goals.

终身年金是一种金融产品，为购买者提供终生的稳定收入流。这种投资方式特别吸引那些希望在黄金岁月中拥有可靠收入来源的退休人员。终身年金的概念围绕着将一笔一次性款项转换为一系列定期付款的想法，这可以帮助个人在老龄化过程中更有效地管理财务。终身年金的主要好处在于它所提供的安全性。一旦个人投资于这一金融产品，他们可以放心，自己将在余生中收到付款，无论他们活多久。这一特性在当今社会尤为重要，因为人们的寿命在不断增加，许多人发现自己活到80岁甚至90岁。通过购买终身年金，退休人员可以降低用尽储蓄的风险，这对许多人来说是一个重大关切。此外，终身年金可以根据个人的具体需求进行量身定制。例如，有些人可能选择固定支付选项，即金额在其余生中保持不变，而其他人可能选择可变支付计划，根据通货膨胀或投资表现随时间增加。此外，个人可以选择是否希望其年金包括给受益人的死亡福利。这种灵活性使退休人员能够根据自己的财务状况和个人偏好定制收入策略。然而，考虑到终身年金时也有一些缺点。主要缺点之一是流动性不足。一旦个人将资金投资于终身年金，通常无法用于其他目的。如果出现意外开支或个人希望进行重大购买，这可能会成为问题。此外，终身年金相关的费用差异很大，潜在买家在做出承诺之前必须完全理解这些成本。另一个需要考虑的点是通货膨胀对年金支付购买力的影响。如果个人选择固定终身年金，随着时间推移，支付可能会因通货膨胀而贬值，这意味着今天看似舒适的收入在未来可能不足。因此，退休人员必须仔细权衡这些因素，并考虑终身年金是否适合其财务策略。总之，终身年金可以成为寻求退休财务安全的个人的宝贵工具。它承诺终生保证收入，能够缓解人们对用尽储蓄的担忧。然而，在做出决定之前，全面考虑这一金融产品的优缺点至关重要。通过理解终身年金的机制及其在整体退休计划中的作用，个人可以做出符合长期财务目标的明智选择。