deferred annuity

简明释义

延期年金

英英释义

例句

1.You can customize a deferred annuity with various riders to enhance your benefits.

您可以通过各种附加条款定制递延年金以增强您的利益。

2.Investing in a deferred annuity can provide tax-deferred growth on your investment.

投资于递延年金可以为您的投资提供税收递延增长。

3.Many retirees choose a deferred annuity to ensure a steady income stream in their later years.

许多退休人员选择递延年金以确保在晚年有稳定的收入来源。

4.A deferred annuity allows you to accumulate funds over time before receiving payments.

一个递延年金允许您在收到付款之前逐渐积累资金。

5.If you're looking for long-term savings, a deferred annuity might be a suitable option.

如果您在寻找长期储蓄，递延年金可能是一个合适的选择。

作文

A financial product that many individuals consider for their retirement planning is the deferred annuity. This type of annuity allows investors to accumulate funds over time, providing a source of income during retirement. Unlike immediate annuities, which start paying out right away, a deferred annuity postpones payments until a later date. This feature makes it an attractive option for those who are looking to grow their savings before they retire.One of the key benefits of a deferred annuity is the tax-deferred growth it offers. This means that the money invested in the annuity does not get taxed until it is withdrawn. For individuals in higher tax brackets, this can result in significant savings over time. As the funds grow without the burden of taxes, investors can potentially accumulate a larger nest egg for retirement.There are two main phases associated with a deferred annuity: the accumulation phase and the distribution phase. During the accumulation phase, the investor makes contributions to the annuity, which can be done through either a lump sum payment or a series of payments over time. The funds in the annuity can be invested in various options, such as stocks, bonds, or mutual funds, depending on the type of annuity chosen. This flexibility allows investors to tailor their investment strategy according to their risk tolerance and financial goals.Once the investor reaches retirement age, they enter the distribution phase. At this point, the deferred annuity begins to pay out regular income, which can be structured in different ways. Investors can choose to receive payments for a fixed period, for their lifetime, or even choose a combination of both. This predictability of income can provide peace of mind during retirement, ensuring that individuals have a steady cash flow to cover their living expenses.However, it’s important to note that while a deferred annuity can be a powerful tool for retirement planning, it also comes with certain drawbacks. One of the most significant concerns is the fees associated with these products. Many annuities have high management fees, which can eat into the overall returns. Additionally, if an investor withdraws funds from the annuity before a specified period, they may incur surrender charges. Therefore, it is crucial for individuals to thoroughly research and understand the terms of any annuity contract before committing their funds.In conclusion, a deferred annuity can be an effective way to prepare for retirement, offering tax-deferred growth and a reliable income stream. However, potential investors should carefully weigh the benefits against the costs and ensure that this financial product aligns with their long-term goals. By doing so, they can make informed decisions that will help secure their financial future during retirement.

许多个人在退休规划中考虑的一种金融产品是递延年金。这种类型的年金允许投资者随着时间的推移积累资金，为退休期间提供收入来源。与立即年金不同，后者会立即开始支付，递延年金推迟支付到更晚的日期。这一特点使其成为那些希望在退休前增加储蓄的人的一种吸引选项。递延年金的一个主要好处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被征税。对于高税率的个人来说，这可能会随着时间的推移节省大量资金。由于资金在没有税负的情况下增长，投资者有可能为退休积累更大的资产。与递延年金相关的两个主要阶段是积累阶段和分配阶段。在积累阶段，投资者向年金做出贡献，这可以通过一次性付款或一系列定期付款来完成。年金中的资金可以根据所选择的年金类型投资于各种选项，例如股票、债券或共同基金。这种灵活性使投资者能够根据风险承受能力和财务目标量身定制投资策略。一旦投资者达到退休年龄，他们就进入了分配阶段。此时，递延年金开始支付定期收入，这可以以不同方式结构化。投资者可以选择在固定期限内收到付款，终身领取，或者选择两者的组合。这种收入的可预测性可以在退休期间带来安心，确保个人有稳定的现金流来覆盖生活开支。然而，重要的是要注意，虽然递延年金可以成为退休规划的强大工具，但它也伴随着某些缺点。其中一个最显著的问题是与这些产品相关的费用。许多年金有高管理费用，这可能会侵蚀整体回报。此外，如果投资者在指定期限之前从年金中提取资金，他们可能会面临退保费用。因此，个人在承诺资金之前，必须彻底研究并理解任何年金合同的条款。总之，递延年金可以成为为退休做好准备的有效方式，提供税收递延增长和可靠的收入来源。然而，潜在投资者应仔细权衡收益与成本，并确保该金融产品与其长期目标一致。通过这样做，他们可以做出明智的决定，帮助确保他们在退休期间的财务未来。