annuity

简明释义

英[əˈnjuːəti]美[əˈnuːəti]

n. 年金，养老金；年金保险；年金享受权

复 数 a n n u i t i e s

英英释义

单词用法

同义词

反义词

例句

1.My pension has plummeted and now I have to buy an annuity

我的退休金暴跌，现在必须去买一份年金（annuity）了。

2.Give a man an annuity and he'll live for ever.

给人年金，他就会长命百岁。

3.What is the present value of an annuity?

年金的当前值是多少呢？

4.Benefits are linked to annuity rates, protecting both the scheme and the pensioners from annuity risk.

收益和每年的缴费数额挂钩，保护组合和养老金受益人免除年金风险。

5.There is no requirement to buy an annuity.

没有人规定人们要用这些钱购买年金。

6.A good example of an annuity is a mortgage on a house.

关于年金的一个很好的例子就是房屋抵押。

7.That's called an annuity.

这被称为年金。

8.He lives on his annuity after retirement.

他退休后靠年金维生。

9.Many people purchase an annuity to provide a steady cash flow during retirement.

许多人购买年金以在退休期间提供稳定的现金流。

10.An annuity can be a good option for those who want guaranteed payments.

对于那些想要保证付款的人来说，年金可能是一个不错的选择。

11.He decided to invest in an annuity to secure his retirement income.

他决定投资一个年金以确保他的退休收入。

12.She received an annuity as part of her divorce settlement.

她在离婚和解中获得了一个年金。

13.The financial advisor recommended a fixed annuity for stable returns.

理财顾问推荐了一种固定的年金以获得稳定的回报。

作文

An annuity is a financial product that provides a series of payments made at equal intervals. It is commonly used as a way to save for retirement or to provide a steady income during retirement. Understanding how an annuity works can help individuals make informed decisions about their financial future. Annuities can be classified into several types, including fixed annuities, variable annuities, and indexed annuities. Each type has its own characteristics and benefits, making it essential for consumers to understand the differences before choosing one.Fixed annuities offer a guaranteed payout, which means that the investor knows exactly how much they will receive in each payment. This predictability can be very appealing, especially for those who want to ensure a stable income stream during retirement. On the other hand, variable annuities allow for investment in various assets, such as stocks and bonds, which can lead to higher returns but also come with increased risk. Investors in variable annuities must be comfortable with market fluctuations and the possibility of losing money.Indexed annuities combine features of both fixed and variable annuities. They offer a minimum guaranteed return while also allowing for potential growth based on the performance of a specific stock market index. This type of annuity can provide a balance between security and growth, making it attractive to many investors.One of the key advantages of annuities is their tax-deferred status. This means that the money invested in an annuity grows without being taxed until it is withdrawn. This feature can be particularly beneficial for those looking to maximize their retirement savings. However, it is important to note that withdrawals from an annuity may be subject to taxes and penalties if taken before a certain age.Annuities can also be customized to fit an individual's needs. For instance, some people may choose to add riders to their annuity contracts, which can provide additional benefits such as long-term care coverage or death benefits. These options can enhance the value of an annuity, but they may also come with additional costs.In conclusion, an annuity 年金 can be a valuable tool for retirement planning, offering a reliable source of income and various customization options. However, it is crucial for individuals to thoroughly research and understand the different types of annuities available before making a decision. By doing so, they can ensure that they select an annuity that aligns with their financial goals and risk tolerance. As with any financial product, consulting with a financial advisor can also provide valuable insights and guidance when considering the purchase of an annuity 年金.