An annuity is a financial product that pays out a regular income over a specified period or for the remainder of the beneficiary's lifetime.
定期年金是一种金融产品，它在规定的期间内或受益人余生中定期支付收入。
He decided to invest in an annuity to secure a steady stream of income for his retirement years.
他决定投资年金以确保退休后有稳定的收入来源。
The pension plan offers both lump sum and annuity options for retirees to choose from.
养老金计划为退休人员提供了选择一次性领取和年金领取两种方式。
Understanding how
annuities work is crucial for making informed decisions about your financial future.
理解年金的运作方式对于做出有关未来财务的明智决策至关重要。
She purchased an immediate annuity with her savings, which started paying out monthly right away.
她用自己的积蓄购买了一份即期年金，立即开始每月领取收益。
Deferred
annuities allow you to delay receiving payments until a later date, often providing a higher payout.
延期年金允许你延迟到以后的日期再开始领取，通常能提供更高的支付额。
The annuity provides a guaranteed income, protecting the recipient against the risk of outliving their savings.
年金提供了有保障的收入，保护领受者免受储蓄耗尽的风险。
Inheritance tax planning can involve setting up an annuity trust to pass on wealth to beneficiaries.
遗产税规划可能包括设立年金信托，以便将财富传递给受益人。
Variable
annuities offer potential for growth through investment in underlying portfolios but come with market risks.
变额年金通过投资于基础投资组合提供增长潜力，但伴随市场风险。
He compared different annuity rates from various providers before deciding on the one that best suited his needs.
在决定最适合他需求的方案前，他比较了来自不同提供商的多种年金利率。
The number of changes that the Chinese government is enacting in areas such as health insurance, pension and annuities is on Allianz's radar, he said.
For example, clients can pay 10 yuan ($1.44) to buy its pension annuity insurance product, or 19.9 yuan to buy one-year of public transportation safety insurance.
China offers consumers three ways to save for retirement - the national pension system, voluntary occupational pensions, in the form of annuities and covering only a minority of the population, and private savings, said Fang Lianquan, a researcher at the Center for International Social Security Studies of the Chinese Academy of Social Sciences.
The growth will come from the development of enterprise annuity and voluntary retirement products.
[Photo/Agencies]Anbang Insurance Group has walked away from a deal to acquire United States annuities and life insurer Fidelity & Guaranty Life for $1.6 billion after failing to get the necessary regulatory approvals, Reuters reported.
- China's total enterprise annuity funds hit 2.98 trillion yuan (about $419 billion) at the end of the first quarter of the year, official data showed.
In the first three months, the investment returns of enterprise annuity funds reached 44.02 billion yuan, with the weighted average rate of return standing at 1.55 percent, according to the Ministry of Human Resources and Social Security.
The country launched enterprise annuities in 2004 as a type of supplementary pension plan under which both employers and employees must contribute.
So far, the nation is running a combined pension system, under which the State basic pension system has covered over 1,030 million residents by the end of 2021 and the supplementary one - such as enterprise annuities and commercial insurance support covering over 58 million residents.
The private pension mechanism will complement the country's current pension system consisting of the basic old-age pension, enterprise annuities as well as commercial insurance for the elderly, offering another layer of support for the aging population, analysts said.
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