variable annuity

简明释义

可变年金

英英释义

例句

1.A variable annuity can provide a steady income stream during retirement, but it comes with risks.

一份变额年金可以在退休期间提供稳定的收入来源，但它也伴随着风险。

2.The performance of a variable annuity is tied to the underlying investments chosen by the policyholder.

一份变额年金的表现与保单持有人选择的基础投资有关。

3.Some people prefer a variable annuity because it allows them to invest in various funds.

有些人更喜欢变额年金，因为它允许他们投资于多种基金。

4.Investors often choose a variable annuity for its potential growth linked to market performance.

投资者通常选择变额年金，因为它的潜在增长与市场表现相关。

5.Before purchasing a variable annuity, it's important to understand the fees involved.

在购买变额年金之前，了解相关费用是很重要的。

作文

A variable annuity is a type of investment product that combines features of insurance and investment. It is designed to provide individuals with a steady income stream during retirement, but its value can fluctuate based on the performance of the underlying investments. This means that while variable annuities can offer significant growth potential, they also come with a certain level of risk. Investors contribute a lump sum or make periodic payments into the annuity, which is then invested in various options such as stocks, bonds, or mutual funds. The returns on these investments will determine the amount of income the individual receives during retirement.One of the main advantages of a variable annuity is the tax-deferred growth it offers. This means that the money invested in the annuity grows without being taxed until withdrawals are made, allowing for potentially greater accumulation of wealth over time. Additionally, many variable annuities offer death benefits, ensuring that beneficiaries receive a payout if the investor passes away before the annuity is fully paid out. This feature can provide peace of mind for individuals who want to ensure financial security for their loved ones.However, it's essential to understand the fees associated with variable annuities. These products often come with high management fees, surrender charges, and other expenses that can eat into returns. Investors should carefully review the terms and conditions of the annuity contract to understand all the costs involved. Moreover, because the value of a variable annuity can fluctuate, there is no guarantee of a specific return, which can be a concern for risk-averse individuals.In addition to the financial aspects, it's crucial to consider the investment options available within a variable annuity. Many contracts allow investors to choose from a variety of funds, each with different risk profiles and potential returns. This flexibility can be advantageous for those who want to tailor their investment strategy to their personal financial goals and risk tolerance.Overall, a variable annuity can be a valuable tool for retirement planning, offering both growth potential and income stability. However, it is not suitable for everyone. Individuals should assess their financial situation, investment knowledge, and retirement goals before committing to a variable annuity. Consulting with a financial advisor can also provide insights into whether this type of product aligns with one's long-term financial strategy. In conclusion, while variable annuities can provide unique benefits, they require careful consideration and understanding to maximize their potential advantages.

变额年金是一种投资产品，结合了保险和投资的特点。它旨在为个人在退休期间提供稳定的收入来源，但其价值可能会根据基础投资的表现而波动。这意味着虽然变额年金可以提供显著的增长潜力，但也伴随着一定程度的风险。投资者向年金中一次性支付或定期支付款项，这些资金随后投资于各种选项，如股票、债券或共同基金。这些投资的回报将决定个人在退休期间收到的收入金额。变额年金的主要优势之一是它提供的税延增长。这意味着投资于年金的资金在提取之前不会被征税，从而允许财富随时间的推移而可能更大地积累。此外，许多变额年金还提供身故利益，确保如果投资者在年金完全支付之前去世，受益人将获得赔付。这一特征可以为希望确保其亲人财务安全的个人提供安心。然而，了解与变额年金相关的费用至关重要。这些产品通常伴随着高管理费、退保费和其他费用，这些费用可能会侵蚀回报。投资者应仔细审查年金合同的条款和条件，以了解所有涉及的成本。此外，由于变额年金的价值可能波动，因此没有具体回报的保证，这对于厌恶风险的个人来说可能是一个问题。除了财务方面外，考虑变额年金内可用的投资选项也至关重要。许多合同允许投资者选择多种基金，每种基金具有不同的风险特征和潜在回报。这种灵活性对那些希望根据个人财务目标和风险承受能力量身定制投资策略的人来说是有利的。总体而言，变额年金可以成为退休规划的宝贵工具，提供增长潜力和收入稳定性。然而，它并不适合每个人。个人应在承诺投资于变额年金之前评估自己的财务状况、投资知识和退休目标。咨询财务顾问也可以提供有关这种产品是否与个人长期财务战略相一致的见解。总之，尽管变额年金可以提供独特的好处，但它们需要仔细考虑和理解，以最大限度地发挥其潜在优势。