你应该考虑退休年金吗?

Annuities are a popular and well-established method of providing a secure retirement income. 然而，它们可能并不适合所有人. 下面, we've provided our answers to a few of the most common questions asked by people approaching retirement who are considering this option.

什么是年金?

最简单的形式, an annuity is guaranteed income for life provided by an insurance company in exchange for a cash lump sum. 例如, an individual may exchange the funds that they have built up in their pension fund over their career for a retirement income.

These days, however, you don't necessarily have to pay for your annuity all at once. Many providers now offer installment options for greater flexibility. You can also defer your annuity payments to a later date, allowing your lump sum to accrue further investment returns in the meantime. These returns may also qualify for tax relief in certain circumstances.

Keep in mind that this article is for informational purposes only and is not a replacement for real-life advice, 所以一定要咨询你的税务, 法律, and accounting professionals before modifying your tax strategy.

如何计算年金?

The amount of annual income that can be purchased for a given lump sum varies according to the age and sex of the individual concerned. 在某些情况下, 生活方式因素, 例如吸烟史或地理位置, 也可以考虑.

使用这些信息, the insurance company will calculate an average life expectancy figure based on actuarial data from millions of people and determine how much it will cost to provide the income you require for that period, keeping in mind the investment return they expect to make on your funds.

我死后我的年金怎么办?

从历史上说, buying an annuity was more or less a straight bet against the insurance company. 如果你比预期死得早，他们就赢了. 如果你活得更长，他们就输了.

不过，现在有了各种各样的选择. Annuities can be structured to provide guaranteed payments for a fixed period—commonly 10, 15, or 20 years—and these payments will continue regardless of the death of the annuity holder (annuitant). These types of policies also allow the annuitant to nominate a spouse or other person to receive the remaining payments on their death. If an annuitant dies before a deferred annuity has become payable, 一次付款可以支付给指定的受益人.

谁不应该买年金?

对一些人来说，年金是一个不错的选择, 但它们并不是普遍受欢迎, and there are several reasons why they may not be right for you.

One of the much-touted advantages of annuities is the security they provide against the dreadful prospect of running out of money if you live to an old age. 然而, if you're confident that you have ample funds and/or have sound reasons for believing that your life expectancy may be limited, 这可能不是一个问题. If that's the case, there may be other investment options out there for you.

It's also worth noting that the real purchasing power of fixed incomes, 比如年金, 不可避免地逐年下降. In addition, there's no guarantee that inflation won't skyrocket in the future.

Maybe you enjoy actively managing your money and prefer no-strings, low-cost investments. 为你, the prospect of tying up a large chunk of your capital in exchange for a predictable, 尽管安全, 回归没有吸引力. It's true that annuity contracts are theoretically reversible, although the costs associated with the surrender process may make this an unattractive option.

谁应该考虑年金?

Annuities are primarily designed for people who are not used to dealing with large sums, 也许是担心他们的预算能力, 对依赖股市感到紧张. They are also for people who have neither the time nor the inclination to master the intricacies of investing their own money.

Buying an annuity is a major financial decision that can profoundly affect your quality of life in retirement. Whether you find the idea attractive will largely depend on your personal circumstances and your attitude toward risk and investments in general.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or 法律 advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务 professionals for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. 消费品, 有限责任公司, 不隶属于指定的经纪自营商, 在州或证券交易委员会注册 投资咨询公司. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. 版权 消费品套件.