i****e
发帖数: 157 | 1 Thanks, redsim.
From diversification point of view, if I have already put some money in high
risk stock market for gambling, some money in index for long term growth,
and still have a little left, then what I can think of is to put the left
money in CD or saving account. My question is: can I use some sorts of
hybrid annuity products to replace CD/saving account, as a relatively
flexible and conservative investment tool.
The reason I mentioned hybrid annuity, because my understanding about hybri... 阅读全帖 |
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w*****i
发帖数: 57 | 2 年金（ Annuity）分为两种：
Immediate Annuity 即期年金 和 deffer Annuity 延后年金
先说Immediate Annuity 是你把钱放进保险公司的年金账户的当年开始，保险公司会根
据你的年龄每年从你放进去的金中付给你一定的 % payout ratio。
比如：60多岁的payout ratio 每年6%左右，70岁每年7%左右。
Immediate Annuity的提领长度
一种情况是付到过世，也就是说如果你的payout ratio是7%，你在买了这个合约后存活
了10年，那么你只有拿回了本金的70%，如果你存活20年那么你就拿回了本金的140%，
活的越久拿的越多。
另一种情况是保险公司的合约中有讲清楚你可以拿多少年，如果在这之前过世，余下的
那几年就由你的Spouse或是孩子拿。比如：合约中的period certain 是30年，你的
payout ratio是6%。 那么在20年中总共可以拿到本金180%。如果在30年中你不幸去世
，剩下那几年就由你的配偶或是子女拿。比较适合老夫少妻的组合。
还有一种情况是夫妻共买（join sur... 阅读全帖 |
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m*********D
发帖数: 1727 | 3 我理想的退休经济模式(旧文）
经济上的理想模式：房子付清；孩子的责任（大学毕业）完成；annuity/pension/SS的
收入能保证日常开销，按目前标准估计是每月3000；另外有100万的应急资金以备不时
之需。
现在只完成了第一目标，还清房贷。第二目标才刚开始，大约需要五年时间来完成儿子
的大学学费准备；第三第四个目标估计还需要五到十年的时间，看股市和工作情况等等。
按这个模式计算，我55岁退休，pension只有一月2000，到太太的SS进来，中间就有7年
每月一千的缺口。这个只能靠另外存出来或者太太工作到能拿SS。她的SS估计应该在一
月一千上下。所以，最可能的情况是我们一起干到60岁。我看了前几天汤米妈妈的贴（
家坛），不错：我要没专业工作了，就去Walmart打工，有钱，有benefit, 还能给我的
SS挣满四十个点么。所以，干到60岁还是可能的。
看过很多靠出租房来计算退休的计划。我觉得需要五个或以上的房子的出租收入才能退
休的，不能算真正退休。管理也是一个工作，除非交给PM打理，也就是10%的收入给人
家。我研究了一下，其实annuity是一个不错的选择：一笔钱进去... 阅读全帖 |
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j****y
发帖数: 1714 | 4 don't mix insurance and investment
http://whitecoatinvestor.com/dont-mix-insurance-and-investing/
A wise physician will have a solid insurance plan and a solid investing plan
. But she shouldn’t mix the two. Remember the combination TV/VCRs?
Seemed like a great idea initially. But then you ended up with the worst of
both worlds, and when one of them broke, the other became useless. It’s
the same with investing. Instead of providing some kind of synergy by
mixing the two, you end up with th... 阅读全帖 |
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j****y
发帖数: 1714 | 5 don't mix insurance and investment
http://whitecoatinvestor.com/dont-mix-insurance-and-investing/
A wise physician will have a solid insurance plan and a solid investing plan
. But she shouldn’t mix the two. Remember the combination TV/VCRs?
Seemed like a great idea initially. But then you ended up with the worst of
both worlds, and when one of them broke, the other became useless. It’s
the same with investing. Instead of providing some kind of synergy by
mixing the two, you end up with th... 阅读全帖 |
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S*******s
发帖数: 10098 | 6 不客气。
如果上次那个陌生人无端攻击我， 而我脸皮足够厚一直没离开的话，或许当时就能帮
到你了。 象你家的这种情况， 不管你做不做我的生意， 我都可以给你一点辅助性的
help. 对Structured Settlement Annuities我略知一二，我同事应该更懂， 不过总的
来说就是要结合你孩子的需要，年金的回报率和承卖公司的长期Solvency能力。
上一个贴说起价格哪儿买都一样，这是站在客户挑选“从哪里买”的角度去谈的，而且
Term life特别属于那种情况。
现在我们换一个角度，从投资人得到的“benefit”的角度谈，每个carrier公司设计
/提供的“好处”不同， 自然Annuity和Whole life的价格/投资回报就各不相同了。经
验丰富的broker will make difference when it comes to help you select Annuity.
比如说， 某保险公司把子公司的地产旅游业， 资产管理业， 国际投资业务全都做得
特别好，那么母公司每年就能分红给他们的policy holder(相当于上市公司的
shareholer... 阅读全帖 |
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r****m
发帖数: 1204 | 7 Here is my view on annuity:
1. The only one that most people really need is Immediate annuity.
It's just like Term life, it's not a if you need it or not, it is a must,
for people enter into retirement phase, in order to hedge longevity risk.
2. Here is how you do it - when you are ready to retire, when you leave your
last employer (after age 55, ideally after 59.5), you take a portion of
your 401K and rollover it to an immediate annuity product, and enjoy your
retirement time.
3. If you retire ... 阅读全帖 |
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c***c
发帖数: 21374 | 8 这是一个合理的考虑
其实我说的是现在的一个很新的产品：以商品/服务提供，而不是以现金提供的annuity
一般的annuity，都是给你钱。但是业内最新尝试，给你商品/服务，而不是现金。比如
说你去电力公司买annuity，电力公司给你提供终身，每年若干度的电力供应；你去gas
公司买annuity，gas公司保证你终身，每年多少立方的天然气；你去养老院买annuity
，养老院提供你什么档次的房子让你住到死。 |
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r****m
发帖数: 1204 | 9 iceeve, 对不起, 没注意你提问的是从投资角度谈对annuity的看法. 现在稍微说一下:
Generally, there is NO need to pay 1.5%-2% to insurance company so they can
create an investment opportunity for you, you can get it done by yourself
and already 1.5%-2% ahead!
The principle is to avoid the accumulation phase, that's why I recommend
immediate annuity.
However, if you are quite conservative, you can consider fixed annuity (
maybe equity index annuity) which is less expensive than Variable Annuity,
but you need to shop around, becau... 阅读全帖 |
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r****m
发帖数: 1204 | 10 1) Not directly comparable, it depends on your risk tolerance and objectives
. Right now is not a good environment to consider fixed annuity (unless you
are well into your retirement and have to consider annuity). If you are
really conservative, all your money is on CD or Money market, maybe you can
consider a hybrid annuity, at least you are participating the market.
2) I am not a big fan to start annuity early, because it doesn't make sense
to pay the insurance company 1.5%-2% annually so you ... 阅读全帖 |
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r****m
发帖数: 1204 | 11 iceeve -
1) It seems to me you are thinking about where to put your emergency fund?
If yes, then obviously annuity is not a good place due to liquidity.
If not, then I wonder what objective you are trying to achieve thru this "
extra" money? If it's for longer term use, why not just put it with your
existing index investment? If it's not for longer term use, the obviously
annuity doesn't fit your purpose either, because annuity is really for
retirement use.
So, you can see, I am lost at your pur... 阅读全帖 |
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r****m
发帖数: 1204 | 12 The HBR's annuity blogpost is interesting, I think scholars are creating an
environment to help the govt's push for introducing annuity into the current
401K system.
Annuity is a very complicated product, especially variable annuity is just
too risky and unfit for retirees, but the fixed annuity is the less evil one
and I think every retiree should devote a percentage of retirement asset to
it, to fight for longevity risk. |
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s********n
发帖数: 1962 | 13 ☆─────────────────────────────────────☆
straw (berry) 于 (Sun Mar 9 10:33:30 2008) 提到:
真诚请教。
工作4年以上了，401K的钱年回报从来没有到过8%。比如是我在tiaa-cref的钱，回报数
据如下：
http://www.tiaa-cref.org/performance/retirement/index.html
主要有：CREF Variable Annuity Accounts， TIAA Variable Annuity Accounts，
TIAA Traditional Annuity。 大部分在non-bond, non-money market, non-
Traditional Annuity 上，其他各个都有分布。
我基本上是半年到一年把profilio看一遍，作一下调整，但都是小调，因为不知道如何
大调。但年回报从来没有到过8%。
我认真研究了一下tiaa-cref的回报,觉得除非我运气好，全部钱都放在一，两个最好的
fund上（这个违反diversitified的 |
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z**********8
发帖数: 2049 | 14 HOW TO CLAIM
Winning tickets with a value up to and including $600 may be redeemed at any
Maryland Lottery retailer. Winning tickets with a value of $5,000 or less
may be redeemed at any Maryland Lottery Agency Plus location. All winning
tickets, including tickets with a value over $5,000 may be redeemed at
either of the two Maryland Lottery Customer Resource Centers. Please allow
at least 15 business days for processing a claim for any winning tickets
with a value above $25,000.
When cashing a ... 阅读全帖 |
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o********y
发帖数: 1138 | 15 Canadian insurance giant Sun Life Financial is cutting some 800 U.S. jobs,
with roughly half of the layoffs hitting the firm’s American headquarters
in Wellesley.
“It’s fair to say that the vast majority of the impacts will be in the
Boston area,” Sun Life spokesman Frank Switzer told the Herald, saying the
firm will cut some 400 jobs in Wellesley, Boston and Portsmouth, N.H.
Sun Life CEO Dean Connor announced the layoffs today as part of a plan to “
reposition” the Toronto-based firm.
He said S... 阅读全帖 |
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i******l
发帖数: 828 | 16 除了回报低，成本高之外， 还有一个最大的问题就是，if AIG can go under, any
insurance company can. BRK is not an exception. hehe
Designed to Decieve
By FREDERIC G. MARKS
Equity-indexed annuities.
AN EQUITY-INDEXED ANNUITY IS AN INSURANCE-COMPANY product that's marketed as
a way to lock in stock-market gains when the market is rising, while
protecting principal against losses when the market is falling. What could
be better than that?
Not so surprisingly, these annuities, known as EIAs, have been selling at
the rate of |
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r****y
发帖数: 3412 | 17 annuity里没有保险啊....从return的方式来说是一样的。这就看你需要啥了。。比如
俺有401k可能就不需要annuity。。however..annuity的liqudataion option比401k的
更fancy些。。 |
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l********6
发帖数: 18 | 18 可以当天转那就太好了，省得担心收益要交税。谢谢！
虽然目前打算所有钱都存Roth，traditional IRA只当中转站，但是还是想探讨一下
annuity vs. stock的问题。
没错capital gain tax rate比income tax低。但是既然IRA里的收益横竖都是要交
income tax的，为什么要投资收益低的annuity而不投资收益高的stock呢？
我能想到合理的解释是投资annuity可以增加investment diversity。同样一笔钱要去
投资stock的话，还不如不要放在IRA里。
是这个原因吗？请指教！ |
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S*******s
发帖数: 10098 | 19 先回答关于quote保险价格的，然后再说说关于annuity的quote。
保险价格是由你的mortality来决定的，不管你去哪里买，都只有一个价：“你寿命/终
生收入值多少墙？” 因此你到网上去quote和到我这样的真人broker那里价格一模一样
，连系统里头出来的carrier 承保公司也一样。
不同的地方在于：真人broker比如我同事，他有30年的annuity 经验，另外一个有20年
的life insurance经验， 还有一个白头发的老帅哥， 60+岁， 对long-term care 最
擅长。 他们可以帮你从市场上找最好的产品，衡量/定制一些合适你年纪/形势的，符
合你投资目标的一个“量身裁制”的合同。
broker system里头有各个保险公司的模块， 可根据客户的年龄，吸烟开车习惯，病史
等来计算insurance premium payment, 最后由underwriter检查你的历史数据， 对你
评级。 因此，客户自己的状况决定his/her price.
这个概念完全颠覆了买钢琴和其他用品的概念。因为买钢琴大家可以到处折腾打听信息，
就可享受团购/批... 阅读全帖 |
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i****e
发帖数: 157 | 20 resim, thank you for your answer.
Questions for your item 3:
(1)how do you think fixed annuity and hybrid annuity? Which one is better?
(2)do you think whether it's a good idea to start annuity a little earlier,
say ~age 45, to use this as a relative safe investment compare with
investing in stock/fund/bond etc.
your |
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w*****i
发帖数: 57 | 21 你财务状况是：
税后的收入除了家用之外，基本上都放在了公司的退休账户中
公司的401K 2014年每人每年的 max contribution 是 $17500
Tradition IRA 或 Roth IRA 50岁前每人每年最多放 $5,500。
这些钱要到59岁半的时候才能用。这样就造成了你目前的资金的流动性（liquidity）
变低了。
我在退休财务规划方面稍微有些经验，提一些建议你可以参考一下。
我比较建议目前适合你的是用部分钱投在 money market fund, 银行提供Structure
products ，或是 mutual fund 里面。因为这三个的liquidity比较高，钱可以随时拿
出用。
Money market fund和structure product属于比较conservitive的（投资风险小但是收
益相对较少，比较适合接近退休年龄段的人）
Mutual fund的投资风险要比前两个高，但是长期的投资回报要高于前两个，比较适合
离退休年龄还有一段距离的年轻人作为长期投资。
另外，几个目前 不 适合你的投资产品
Annuity: 国有国法 家... 阅读全帖 |
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j****x
发帖数: 44 | 22 以下内容来自网络转载，版权归原作者所有
多少钱退休好？
当然越多越好啰，这是绝大多数人的想法。现在美国退休需要150万美元，如果是10年
后退休就需要200万，20年后需要270万，30年后需要360万。要累积这么一笔庞大的
退休基金，只能通过尽早开始退休计划，以时间换空间，通过长时间的累积来达到目
标。喜欢储蓄，为将来存钱，是华人的一大美德.多数华人出于省税和养老的目的往
401K、403B或个人退休帐户中放入最高限额。就退休计划来说，钱太多了未必是好
事，未必是合算的事。今天省了许多的税，将来可能要交更高的税。除了交所得税
外，还要交遗产税，这是其一。其二，就是一般工薪阶层而言，投入退休计划的钱多
了，也就意味着退休前你能够支用的钱少了。而真正大头花钱的时期是退休前：买房
子，子女教育基金，等等。
人们之所以往退休帐户中投入最大限额，最大原因是为了今天少交税。但长远一算，
今天是省了一些税，到退休时要交更高的税。我有一个客户，夫妻都是35岁，税率
31%，其个人401K帐户中已各自拥有5万美元，每人每年还往401K中放入1万美元。假
设10%的年Return，30年后他们的401K... 阅读全帖 |
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t******r
发帖数: 232 | 23 利息不是简单的principle * interest rate
对于fixed term的利息是这样计算的:
PF = payment frequency, the number of payments per year. Use 12 for monthly.
I = interest rate
i = effective interest rate
n = period (the number of payments, the term or number of years in the
mortgage times the number of payments per year.)
n=360 for 30-year fixed term, 12 payment per year.
i = (1 + I/PF)^(12/PF) - 1
如果PF=12, i=I/12
Annuity factor= {1–[1/(1+i)]^n}/i
Payment = Mortgage/Annuity factor
用这个Annuity factor把principle+interest平均分 |
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l**********c
发帖数: 434 | 24 保险公司没问题,有问题的是agent。必须仔细看policy才知道trick在那里。
我查了一下，你这个叫"no lapse guaranteed" Universal Life with return of
premium,其实就是一种term life until age 105 or 121。这个可不便宜。我quote的
没有return of premium的59岁女性best class:
1. $5,675.00 per year with Aviva Life and Annuity Company Request an
Application
Advantage Builder Series III w/NLG 175k+ Premier Non-Tobacco
2. $5,785.30 per year with United of Omaha Life Insurance Company
Request an Application
Guaranteed Universal Life - to... 阅读全帖 |
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z****l
发帖数: 5282 | 25 ☆─────────────────────────────────────☆
annachen0123 (安心) 于 h 提到:
本人对保险不是很了解，想在这里请教各位。
我想打算给我妈妈买份纽约人寿保险，不到60岁，比较感兴趣的是这种险种：
每个月交$250,一直交到我妈去世为止，到时除了把你每年交的这些前如数退还，还可
以额外得50万刀，就是没有现金值在里面，你交多少就会退多少给你。我妈现在没有身
份，探亲过来的。纽约人寿险说只要入保险时在美国就可以买，不限身份。
我买这个目的是想到时我女儿成人时可以给她用来上学，或者成家用。
请教各位，这种险种合适么？有没有更好险种？
谢谢！
☆─────────────────────────────────────☆
ljty (老家太原) 于 (Fri Jul 15 18:05:32 2011, 美东) 提到:
听着挺玄的，忽悠？
能不能把这个保险的英文名字报上来?
☆─────────────────────────────────────☆
annachen0123 (安心) 于 (Fri Jul 15 1... 阅读全帖 |
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l****i
发帖数: 110 | 26
As someone already mentioned, 年金 is annuity, usually sold by insurance
companies or some investment banks.
You can buy it now and start to take money when you retire in the future.
This is called deferred annuity. Of course you can also buy immediate
annuity which starts giving you money immediately.
Whatever you buy, watch out the service fee, which is usually higher than
mutual funds. |
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s*******w
发帖数: 2257 | 27 在美国养老有哪些福利
作者：8288 于 2015-9-13 17:50 发表于 最热闹的华人社交网络--贝壳村
首先要讲的是关于美国退休后收入的几个固定的来源
1. 退休后一个主要的收入来源是来自于政府每月给的社安金（Social Security
Income）
美国的退休年龄从早退62岁，正常退休年龄66岁，晚退70岁。如果在美国有累计十年（
可以间断）的报税记录， 将有资格在退休后领取政府给的社安金。社安金的数目根据
你每年报税的情况每月从$845到每月$2640美金不等（这个金额会根据统计出来的通货
膨胀率，每年有3%左右的增加）。
早退年龄62岁开始领取退休金，每月所领取的金额将是正常退休的75%。选择晚退年龄
70岁开始领取社安金，每月可以领取正常退休年龄的132%。
2. 另外一个收入来源是公司，企业给与公司管理人员和全职员工设立的公司退休金账
户 (Define ContributionPlan 如 401k和 Define Benefit Plan 如Pension)
公司设立的退休金账户主要的好处有三点：
a. 公司每年提供年收入3%-12%的补助或更高。公司每... 阅读全帖 |
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s*******e
发帖数: 46 | 28 I have a question about annuity tax. A Taiwanese citizen bought a non-
qualified variable annuity (Metlife) in 2002 (green card holder at the time)
. Now this person lives abroad and voluntarily abandoned US green-card a few
years ago, she is over 59.5 yrs old and wants to withdraw all the proceeds.
My understanding is that the earnings part of this annuity is subject to
the 30% flat tax by IRS since there is no tax treaty between US and Taiwan.
Is there any way to avoid/lower this tax? Gifting?... 阅读全帖 |
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z*********o
发帖数: 541 | 29 搞不懂啥是life annuities, annuities-due, annuities-immediate. 能不能帮忙解释
一下？谢谢 |
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s******7
发帖数: 446 | 30 The company plans to put most of its variable annuity accounts in the new
American retail unit. Included are three-quarters of those with bells and
whistles that, in effect, expose MetLife to market risk in what it might
have to pay out. Along with other nontraditional products, the variable
annuities have been singled out by the International Association of
Insurance Supervisors and Daniel K. Tarullo, a Federal Reserve governor and
regulation specialist, as particularly deserving of higher capi... 阅读全帖 |
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r******o
发帖数: 22 | 31 来版上碰碰运气，看看有人能帮我内推下chicago里的精算工作不。我有3.5年经验,H1B
身份.现在FSA差一个DMAC,打算5月完成。做过variable annuity，Fixed annuity,
Fixed Index Annuity. 做过developer,也做过DAC, fair value reserve,接触过SOP,
FAS 60， FAS 97对derivative 比较熟。 女友在chicago,所以目前只考虑这个地方。
不过感觉机会挺少，所以工作不挑，有就好。 先谢谢大家了。 |
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s*****n
发帖数: 1998 | 32 http://www.bhutannewsnetwork.com/2014/11/would-india-disrupt-bhutan-china-bo
rder-negotiations/
Indian Newspaper The Telegraph carried a front page article on the forth com
ing visit of the Indian President to Bhutan in its issue of 28th October,201
4. It says that the visit is about Indian anxiety on the progress of China B
hutan Border Talks. President Pranab Mukerjee arrives on7th and leaves on 8t
h November.2014. Would he demand Bhutan to obstruct border negotiations with
China?
India had be... 阅读全帖 |
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W*****B
发帖数: 4796 | 33 Here's how much the $1.537 billion Mega Millions winner will get to save
and spend
The $1.537 billion Mega Millions jackpot win marks the largest in the game&#
39;s history and the second-largest lottery prize ever.
The lump-sum option is $877.8 million. Even after federal taxation of 37
percent and South Carolina's 7 percent tax, the total take would be
roughly $491.7 million.
Applying the so-called 4 percent rule — considered a safe yearly withdrawal
rate — would mean about $19.6 million could... 阅读全帖 |
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s*******d
发帖数: 126 | 34 I didn't mean mutual funds, rather annuity with tax-deferred growth and
possible death benefits. But I see that this is besides the point you are
trying to make.
I am not a fan of VUL neither and I don't quite understand how it works. I
was trying to make a comparison (term life + annuity) to understand the
product better. But it sounds like there is more to a simple combination of
term + tax-deferred investement + death benefits with VUL...
Isn't the point of surrender fees to get invested mone |
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s********n
发帖数: 1962 | 35 My impression is life insurance companies only provide annuities (or
they are only good at annuities.) The first question for you would be
which type of retirement plan you are talking about? defined benefit
or defined contribution? |
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s******d
发帖数: 323 | 36 http://benefitslink.com/modperl/qa.cgi?db=qa_401k&id=78
Prior to the passage of EGTRRA, IRA rollovers to a 401(k) plan were more
limited. Rollovers were allowed from a sometimes-called "conduit IRA." Under
the pre-EGTRRA law, if the entire IRA was attributable to a rollover from a
Code Section 401(a) plan or 403(a) annuity plan, it generally could be paid
into another such plan or annuity. (Code Section 408(d)(3)(A), prior to
amendment by EGTRRA.) Note that EGTRRA also affected related tax provi |
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s***s
发帖数: 4329 | 37 ANNUITY一般是针对花钱没有什么概念
而且SAVING也比较有限的人的
要知道ANNUITY的回报通常在3%到5%之间，不算高
而且AGENT的COMMISSION是SINGLE PREMIUM的3%左右
比如30万的SINGLE PREMIUM的话那就是9千块钱啊
这都是羊毛出在羊身上的啊 |
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s********z
发帖数: 5411 | 38 of course there are inflation adjusted ones, but it rarely make sense. the
only good one is simple immidiate annuity.
annuity is essentially an insurance policy and you obviously pay premium for
the piece of mind. |
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s********z
发帖数: 5411 | 39 of course there are inflation adjusted ones, but it rarely make sense. the
only good one is simple immidiate annuity.
annuity is essentially an insurance policy and you obviously pay premium for
the piece of mind. |
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d****n
发帖数: 4 | 40 謝謝確認。
它的算法有點象annuity. 它 有一個accumulation value, 還有一個benefit base. 你
放premium,比方10万，你的benefit base是每年以7%guanarteed 增長，你的
accumulation value則根據市場浮動，帶cap,帶管理費用。
若干年後，每年可以開領benefit base的4%，直搗終身，如果你推遲領取，比如65歲開
領，就以4。5%算。如果若干年後的accumulation value超過benefit base,則benefit
base以accumulation value來算，那個大取那個作為領取基數。
我覺得annuity好像是領取限定年數的，領完就沒有了，但這個有點保險的意思，又有
點年金的意思。不知道你們有沒有聽說，有沒有什麼需要注意的地方。 |
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E******w
发帖数: 2616 | 41 Quote:
For Group Retirement Annuity (GRA) contracts and subject to the terms of
your employer's plan, lump-sum withdrawals are available from the TIAA
Traditional Annuity only within 120 days after termination of employment and
are subject to a 2.5% surrender charge. All other withdrawals and transfers
from the account must be spread over ten annual installments (over five
years for withdrawals after termination of employment).
其他比如Real Estate fund, 你打电话要取出，他们会立即让你取出。但是不满足条件
的要扣penalty，这个很多时候cus... 阅读全帖 |
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S*******s
发帖数: 10098 | 42 我本人不主张universal这一类的产品。
它复杂，它在变，ｃｏｓｔ比term and traditional whole life更高。
买保险的主要目的是规避人死no income 孤儿寡母嗷嗷待哺的风险，对于它的income
tax free return，属于是“2nd tier 好处”，一旦活到８０岁才死，还可以拿回家不
少钱，所以buy一个稳定保守的策略就可以了。
如果单单为了税优回报＋自我funded pension的话(如果仅仅是退休用，中青年时不需
要一下子提一大笔钱出来支付墓地丧葬，婚礼，大学费， 医保不cover的medical
bill)，也可以考虑Fixed Index Annuity,Variable Annuity（保底５％－７％）. |
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i****e
发帖数: 157 | 43 多谢redsim,我觉得你的计算make sense
如果从投资角度来看,能谈谈你对annuity的看法吗?
比如一些hybrid annuity等等,谢谢!
for
%
back |
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V**5
发帖数: 515 | 44 Thanks for reply. I have ETF TIP in my mostly cash portfolio. I know
there isn't guaranteed return in and out of all circumstances, but since my
requirement is very modest, maybe there are some stable and reliable
investments. Just wonder if so called indexed annuity will do the work. As
matter of fact the social security is the best indexed annuity in a sense,
so is there an alternative ?
By the way, I don't mean to beat inflation instantly, just say by month. |
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V**5
发帖数: 515 | 45 Thanks for reply. I have ETF TIP in my mostly cash portfolio. I know
there isn't guaranteed return in and out of all circumstances, but since my
requirement is very modest, maybe there are some stable and reliable
investments. Just wonder if so called indexed annuity will do the work. As
matter of fact the social security is the best indexed annuity in a sense,
so is there an alternative ?
By the way, I don't mean to beat inflation instantly, just say by month. |
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g*****g
发帖数: 34805 | 46 So called IUL is just a whole life + index Annuity. Term life > whole life,
index fund
> index Annuity, it's that simple.
Also, does your number include dividend for going index route? I highly
doubt that. You may do your homework but you didn't do enough. And now you
are stuck, that's called inflexibility. |
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l****u
发帖数: 1764 | 47 5W是cash还是annuity啊？如果也是annuity，那么一次性拿走还得更少吧 |
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发帖数: 1 | 48 学校的退休计划，有如下三个选项
The Variable Annuity Life Insurance Company (VALIC)
Teachers Insurance and Annuity Association and College Retirement Equities
Fund (TIAA-CREF)
VOYA
请问哪个值得多放点呢？
谢谢。 |
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发帖数: 1 | 49 不知道讨论的人里有多少是买过structured notes的？我本人是对这行非常了解。
Structured notes可以设计的很复杂，很tricky，很危险，可以是有downside
leverage,在市场下跌的时候有加速的亏损，也有link to CMS甚至proprietary index
(比如摩根大通的efficiente指数）这些非常不透明的指数的。（btw, CMS stands for
constant maturity swap, 如果你不明白这是什么，最好不要碰和CMS相关的产品）
可是，structured notes也可以设计得很稳妥，比如有很大的downside protection，
比较常见的是５年期只要SPX不跌５０％就还本。SPX 5year rolling period return
过去几十年有没有跌过５０％？最多一次跌多少，有没有人计算过呢？很多money
manager算过，所以他们自己也买了structured notes.
一个60岁的老太太，是买5%的annuity，到头来本金一分不剩，还是买一些bonds和
structured ... 阅读全帖 |
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t**********d
发帖数: 210 | 50 【 以下文字转载自 Investment 讨论区 】
发信人: vix (do the noodle dance), 信区: Investment
标 题: Re: 再多罗嗦一次，关于bibbub的文章和VUL of WRL,WFG
发信站: BBS 未名空间站 (Sun Aug 21 02:32:36 2005), 站内
VUL is kind of life insurance plus annuity. The latter part is very
useful for rich people. Even they file for bankruptcy someday, their
fund in annuity contract cannot be touched by court. A good example is
O. J. Simpson. It is another layer of investment insurance that most
of us do not need at all. |
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