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。
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.
The growth will come from the development of enterprise annuity and voluntary retirement products.
- 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 regulator will promote endowment insurance institutions to focus on the development of the types of business that have a retirement planning feature, such as commercial endowment insurance and the management of enterprise and occupational annuity funds.
Participants in sectors of enterprise annuity and occupational annuity reached about 58 million.
Currently, there are three major pillars of the pension insurance system in China: the State-run fundamental insurance, enterprises' annuity provided by employers and commercial pension insurance.
目前，中国的养老保险体系主要由三大支柱构成：国家主导的基本养老保险、企业提供的企业年金以及商业养老保险。
The premiums of annuity insurance grew 38.8 percent, while those of life insurance dropped 3.2 percent compared with that in 2019, the association said.
据该协会称，与2019年相比，年金保险的保费增长了38.8%，而人寿保险的保费下降了3.2%。
In breakdown, life insurance premiums reached 89.16 billion yuan, or 63.9 percent of the personal insurance's total, while annuity insurance premiums soared by 58.6 percent year-on-year to 28.32 billion yuan, ranking second in terms of income.
In breakdown, life insurance premiums reached 89.16 billion yuan, or 63.9 percent of the personal insurance's total, while annuity insurance premiums soared by 58.6 percent year-on-year to 28.32 billion yuan, ranking second in terms of income.' 的中文翻译为：细分来看，人寿保险保费收入达到891.6亿元，占个人保险总收入的63.9%，而年金保险保费收入同比增长58.6%，达到283.2亿元，在收入排名中位居第二。
Zhang Wangjun, an official of the China Securities Regulatory Commission (CSRC), said more will be done to reform the investment side of the capital market, promote the counter-cyclical investment by institutions, and improve the investment channels of social security funds, insurance funds and annuity funds in a bid to foster long-term stable investment forces.
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