这里有年金的介绍。年金设计得有一点复杂。找靠谱的经纪解释清楚。或者自己花点功夫学习一下。
https://www.athene.com/products/annuities-101
What is an annuity?
Annuities provide insurance against the risk of outliving your money after you stop working. You get the potential to grow your savings and create guaranteed income for life so you can retire your way.
While they seem to function like an investment (that is, you put your money in and accept the risk of whether it increases or decreases), many are actually insurance contracts. In general, if you follow the rules of the contract, you receive certain guarantees in return.
https://www.athene.com/products/annuities-101
What is an annuity?
Annuities provide insurance against the risk of outliving your money after you stop working. You get the potential to grow your savings and create guaranteed income for life so you can retire your way.
While they seem to function like an investment (that is, you put your money in and accept the risk of whether it increases or decreases), many are actually insurance contracts. In general, if you follow the rules of the contract, you receive certain guarantees in return.