什么是退休年金?
No matter how long your retirement lasts, a retirement 年金 may help.
确定你是否有 足够的退休金 会很有挑战性. Even with the best goal setting and planning, t在这里 are always uncertainties. You will need to consider things such as how long will you need a retirement income, 你的生命将会是怎样的, what events may happen once you do retire and many others
Since Social 安全 often isn't enough to cover the retirement you envision, most people also depend on other savings and retirement accounts to meet their 退休的目标. 这些帐户选项之一是 年金 (有时被称为退休年金).
帕特里克·布莱文斯，a 国营农场® 代理 在Waynesboro的, 维吉尼亚州, is 在这里 with some tips on how annuities can help build a financially healthy retirement.
Keep in mind, the following information pertains to fixed annuities only. 可变年金 work differently and have an investment risk component.
退休年金是如何运作的?
布莱文斯解释得很简单, "A retirement 年金 is like having a paycheck in retirement, that you'll continue to receive no matter how long you live."
An 即时年金 is purchased with one lump sum, and you start receiving payments pretty much right away. 一些公司还提供 延期支付年金, w在这里 you purchase your 年金 with a lump sum but choose a time in the future to start receiving payments. The general goal of both is the same though - to receive payments for the rest of your life.
保证工资——固定或娱乐
Blevins sees people use annuities in various ways. "Some people use 年金 payments to help cover their fixed expenses that Social 安全 doesn't cover. For them, it's a paycheck to help continue in a comfortable lifestyle. Others have their fixed expenses covered already and use 年金 payments for the fun stuff, like traveling or pursuing hobbies or spoiling their grandkids."
“它还可以防止人们过度消费. 当你退休时, 每天都感觉像星期六, 我们大多数人在周末花更多的钱. 把一部分钱投到年金中, 而不是让它随时可用, 能否抵消支出的风险."
年金支付方式
有很多 不同的选项 you can select for your payout period depending on what best meets your needs, and Blevins talks about some of the most common choices. "Probably the most common is the life 年金 with cash refund option. 有了这个选项, if you're still living once your initial investment has been paid out to you, you'll keep receiving the same monthly payment for however long you live. 如果你没能活过最初的投资, your beneficiary will receive a lump sum payment based on whatever portion of the initial amount wasn't paid out to you, 它保证了本金的返还.
“在此期间，某些期权也很受欢迎, w在这里 you or your beneficiary is guaranteed to receive payments for a specified number of years. If you live past that date, you'll still continue to receive payments for the rest of your life."
了解更多关于退休年金的信息
A retirement 年金 could be a helpful part of your overall retirement plan. 了解更多，并决定是否 年金 对你来说是有意义的.
