temporary annuity

简明释义

有固定年限的年金

英英释义

例句

1.Many retirees find that a temporary annuity 临时年金 can be a useful tool for managing their cash flow.

许多退休人员发现，临时年金是管理现金流的一个有用工具。

2.After retiring, she opted for a temporary annuity 临时年金 that would provide income for the next 10 years.

她在退休后选择了一种临时年金，将在接下来的10年内提供收入。

3.The financial advisor recommended a temporary annuity 临时年金 to help bridge the income gap until Social Security kicks in.

财务顾问推荐了一种临时年金，以帮助填补直到社会保障生效的收入差距。

4.A temporary annuity 临时年金 can provide peace of mind during the transition to retirement.

在过渡到退休期间，临时年金可以提供安心。

5.He purchased a temporary annuity 临时年金 to receive monthly payments while he waits for his pension to start.

他购买了一份临时年金，以便在等待养老金开始支付期间每月领取付款。

作文

In the world of finance, various investment options exist to help individuals secure their future. One such option is a temporary annuity, which provides a steady income stream for a specified period. Understanding how a temporary annuity works can empower individuals to make informed decisions about their financial planning.A temporary annuity is essentially a contract between an individual and an insurance company, where the individual makes a lump-sum payment in exchange for regular payments over a set period. This period can range from a few years to several decades, depending on the terms agreed upon. The primary purpose of a temporary annuity is to provide financial security during retirement or other significant life events, ensuring that individuals have a reliable source of income when they need it most.One of the key benefits of a temporary annuity is its ability to offer predictable income. Unlike investments in stocks or mutual funds, which can fluctuate significantly in value, a temporary annuity guarantees a fixed payment schedule. This predictability can be particularly appealing to retirees who may be concerned about outliving their savings. By choosing a temporary annuity, individuals can budget their expenses more effectively, knowing exactly how much money they will receive each month.Moreover, a temporary annuity can also provide tax advantages. In many cases, the income received from a temporary annuity is taxed at a lower rate than ordinary income. This is because a portion of each payment is considered a return of the principal investment, which is not subject to taxation. As a result, individuals may find that they can keep more of their hard-earned money when utilizing a temporary annuity as part of their retirement strategy.However, it is essential to consider the potential downsides of a temporary annuity. One significant drawback is the lack of liquidity. Once an individual invests in a temporary annuity, accessing the principal amount can be challenging. This means that if unexpected expenses arise, individuals may find themselves in a difficult financial situation without immediate access to their funds. Therefore, it is crucial to evaluate one’s financial needs and emergency fund before committing to a temporary annuity.Additionally, individuals should be aware of the fees associated with temporary annuities. Insurance companies often charge various fees for managing these contracts, which can erode the overall return on investment. It is advisable to carefully review the terms and conditions of any temporary annuity before making a purchase, ensuring that the benefits outweigh the costs.In conclusion, a temporary annuity can be a valuable tool for individuals looking to secure their financial future. By providing a consistent income stream and potential tax benefits, it can play a significant role in retirement planning. However, it is vital to weigh the pros and cons, considering factors such as liquidity and fees, before deciding if a temporary annuity aligns with one’s financial goals. Ultimately, informed decision-making is key to achieving long-term financial stability and peace of mind.

在金融世界中，存在多种投资选项，以帮助个人保障他们的未来。其中一个选项是临时年金，它在特定时间内提供稳定的收入流。理解临时年金的运作方式可以使个人更好地做出财务规划的明智决策。临时年金本质上是个人与保险公司之间的合同，个人支付一笔总额，以换取在设定的时间段内定期支付的款项。这个时间段可以从几年到几十年不等，具体取决于双方达成的条款。临时年金的主要目的是在退休或其他重大生活事件期间提供财务安全，确保个人在最需要的时候有可靠的收入来源。临时年金的一个关键好处是它能够提供可预测的收入。与股票或共同基金等投资相比，这些投资的价值可能会大幅波动，临时年金保证了固定的支付计划。这种可预测性对于担心自己会用尽储蓄的退休人员尤其吸引人。通过选择临时年金，个人可以更有效地预算他们的开支，因为他们知道每个月将收到多少资金。此外，临时年金还可以提供税收优势。在许多情况下，从临时年金获得的收入的税率低于普通收入。这是因为每笔付款的一部分被视为本金投资的回报，这部分是不需缴税的。因此，个人可能会发现，在利用临时年金作为其退休策略的一部分时，他们能够保留更多辛苦得来的钱。然而，考虑临时年金的潜在缺点也是至关重要的。一个显著的缺点是流动性不足。一旦个人投资于临时年金，获取本金金额可能会很困难。这意味着，如果出现意外支出，个人可能会发现自己处于没有立即访问资金的艰难财务状况。因此，在承诺购买临时年金之前，评估个人的财务需求和应急基金是至关重要的。此外，个人还应了解与临时年金相关的费用。保险公司通常会收取管理这些合同的各种费用，这可能会侵蚀整体投资回报。在购买任何临时年金之前，建议仔细查看条款和条件，确保收益超过成本。总之，临时年金可以成为希望保障自己财务未来的个人的宝贵工具。通过提供持续的收入流和潜在的税收优惠，它可以在退休规划中发挥重要作用。然而，在决定临时年金是否符合个人财务目标之前，权衡利弊、考虑流动性和费用等因素是至关重要的。最终，明智的决策是实现长期财务稳定和内心安宁的关键。