annuities

简明释义

英[əˈnjuː.ɪ.tiz]美[əˈnuː.ɪ.tiz]

n. 年金；养老金（annuity 的复数）

英英释义

单词用法

同义词

反义词

例句

1.There are many types of annuities available and knowing which the right one for you is can be difficult.

有许多种类的年金可知道这是一项正确的对你可能很困难。

2.All his life he will work. Formulating the plans. Forecasting the future. Annuities will be sentries.

他将会工作一生。明晰计划，预测未来。养老金会是岗哨。

3.They peppered the American delegation about annuities, promotion rates and jobs in industry.

他们尖刻向美国代表团批评美国的年金制度，晋升几率和工业职位。

4.Many agents sell life, health, and property insurance as well as products such annuities.

许多代理商将人寿保险，健康保险，财产保险以及养老金等当作产品销售。

5.He also applied mathematics to the study of annuities and economics.

他还应用数学来研究养老金和经济学。

6.British life insurers may be especially hard hit, because they sell many more annuities than continental European insurers.

英国保险公司将受到特别严重的打击，因为其比欧洲大陆保险公司销售了更多的年金产品。

7.Financial advisors often recommend annuities as a way to manage risk in a retirement portfolio.

财务顾问通常建议将年金作为管理退休投资组合风险的一种方式。

8.Investing in annuities can provide tax-deferred growth, which is beneficial for long-term savings.

投资于年金可以提供税收递延增长，这对长期储蓄是有利的。

9.Some annuities offer a death benefit, ensuring that your beneficiaries receive a payout if you pass away.

一些年金提供身故收益，确保如果您去世，您的受益人会收到赔付。

10.Many retirees choose to invest in annuities to ensure a steady income during their retirement years.

许多退休人员选择投资于年金以确保在退休期间有稳定的收入。

11.There are different types of annuities, including fixed, variable, and indexed options.

有不同类型的年金，包括固定型、变动型和指数型选项。

作文

Annuities are financial products that provide a steady stream of income over a specified period of time, often used as a means of securing financial stability during retirement. In the world of finance, understanding annuities is crucial for anyone looking to plan their future effectively. Annuities can be categorized into various types, such as fixed, variable, and indexed annuities, each serving different purposes and catering to diverse financial needs.When individuals reach retirement age, they often seek ways to ensure they have enough money to live comfortably. This is where annuities come into play. By investing in an annuity, retirees can convert their lump sum savings into a predictable income stream. This can alleviate the stress of managing finances in retirement, as they can rely on regular payments to cover living expenses. The concept of annuities is particularly appealing because it allows retirees to mitigate the risk of outliving their savings, which is a common concern among older adults.The mechanics of annuities involve a contract between the individual and an insurance company. The individual pays a premium, either as a lump sum or through a series of payments, and in return, the insurance company promises to make periodic payments to the individual for a certain number of years or for the remainder of their life. This arrangement can be beneficial, as it provides a sense of security and predictability in an otherwise uncertain financial landscape.One of the key features of annuities is their tax-deferred growth. This means that the money invested in an annuity grows without being taxed until it is withdrawn. For many investors, this can lead to significant growth over time, making annuities an attractive option for long-term financial planning. Additionally, some annuities offer death benefits, ensuring that beneficiaries receive a payout in the event of the annuitant's death, further enhancing their appeal as a financial tool.However, it is essential to understand that not all annuities are created equal. Each type has its advantages and disadvantages, and potential investors should carefully consider their financial goals and risk tolerance before choosing an annuity. Fixed annuities provide guaranteed returns but may lack the growth potential of variable annuities, which are linked to market performance. Indexed annuities offer a middle ground, providing some exposure to market gains while also protecting against losses.In conclusion, annuities play a vital role in retirement planning by offering a reliable source of income. Understanding the various types of annuities and how they function can help individuals make informed decisions about their financial future. As people continue to live longer and face increasing financial challenges, the importance of annuities in ensuring a secure retirement cannot be overstated. Whether you are nearing retirement or just starting to plan for it, considering annuities as part of your overall financial strategy could be a wise decision. By incorporating annuities into your financial plan, you can pave the way for a more stable and worry-free retirement. In summary, annuities (年金) are not just financial instruments; they represent a commitment to providing peace of mind and financial security in one’s later years. As with any investment, it is crucial to conduct thorough research and consult with financial advisors to determine the best approach for your unique situation.

年金是一种金融产品，提供在特定时间段内稳定的收入流，通常用于确保退休期间的财务稳定。在金融世界中，理解年金对任何希望有效规划未来的人来说都是至关重要的。年金可以分为多种类型，如固定年金、可变年金和指数年金，每种年金都有不同的用途，满足不同的财务需求。当个人达到退休年龄时，他们通常会寻求确保自己有足够的钱来舒适生活的方法。这就是年金发挥作用的地方。通过投资年金，退休人员可以将一次性储蓄转化为可预测的收入流。这可以减轻退休期间管理财务的压力，因为他们可以依赖定期付款来支付生活费用。年金的概念特别吸引人，因为它允许退休人员降低活过储蓄的风险，这是许多老年人常见的担忧。年金的机制涉及个人与保险公司之间的合同。个人支付保费，可能是一次性支付或一系列支付，作为回报，保险公司承诺在一定年限内或其余生命期间向个人支付定期款项。这种安排可以带来好处，因为它在不确定的财务环境中提供安全感和可预测性。年金的一个关键特点是其税收递延增长。这意味着投资于年金的资金在提取之前不会被征税。对于许多投资者来说，这可能导致随着时间的推移显著的增长，使年金成为长期财务规划的一个有吸引力的选择。此外，一些年金提供死亡福利，确保受益人在年金持有人去世时获得赔付，进一步增强了其作为金融工具的吸引力。然而，了解并非所有年金都是平等的至关重要。每种类型都有其优缺点，潜在投资者在选择年金之前应仔细考虑自己的财务目标和风险承受能力。固定年金提供保证回报，但可能缺乏可变年金的增长潜力，后者与市场表现挂钩。指数年金则提供了一种折衷方案，既提供一些市场收益的暴露，又保护免受损失。总之，年金在退休规划中发挥着至关重要的作用，提供可靠的收入来源。理解各种类型的年金及其运作方式可以帮助个人对自己的财务未来做出明智的决定。随着人们继续长寿并面临日益增加的财务挑战，年金在确保安全退休方面的重要性不言而喻。无论您是即将退休还是刚开始规划退休，考虑将年金作为整体财务战略的一部分可能是明智的决定。通过将年金纳入您的财务计划，您可以为更稳定、无忧的退休铺平道路。总之，年金（annuities）不仅仅是金融工具；它们代表着对在晚年提供安心和财务安全的承诺。与任何投资一样，进行彻底的研究并咨询财务顾问以确定最适合您独特情况的方法至关重要。