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Investment版 - 这里有买过ANNUITY的吗?
相关主题
KennyD的几个所谓低风险投资之分析大家听说过Berkshire Hathaway Life Insurance Company of Nebraska (BHLN)吗?
这个annuity是怎么回事?So Turbo-tax-timmy basically said nothing
what about fixed annuity rateJapan's trade surplus down 99% in March
How to Beat Annuity10-year & MBS both collapsed
Designed to Decieve---I guess this is a good one for this board.风险: regulator asleep at the wheel?
有懂 Annuities 投资的吗?Colonial eats all that left in FDIC?
有买new york whole life insurance的吗?Japan in trouble?
有懂年金的吗? (转载)伯南克大叔屁股有点冒烟了
相关话题的讨论汇总
话题: out话题: cash话题: annuity话题: 账户话题: your
1 (共1页)
h****d
发帖数: 358
1
产品之一:
6年的:每年的第一天可以在下面三种之一转换:
1)4。5%固定的收益
2)一年S&P500LINKED:最高7.2%,最低1.9%
3)两年S&P500LINKED:最高19%,最低>2%(具体忘记了)
产品之二:
5年的,S&P500LINKED,如果S&P500正,7。5%,否则1.9%
产品之三:(很复杂)
10年的,你有两个独立账户:
1)S&P500LINKED,最高8%,最低0%--每年可以CASH-OUT一定比例。
10年后可以全部CASH-OUT
2)7.2%固定收益。(10年翻倍)--永远不可以一次性CASH-OUT
任何CASH-OUT都将在两个账户里面同时扣除相同的VALUE.
到期时,
Option1:可以继续,(两个账户独立继续)
Option2:可以CASH账户1)中所有现金,(如果账户1)多于账户2),当然选他
Option3:可以把2)的价值转变成FIXED INCOME账户,每月拿一定百分比到死亡。这
CASH-OUT也将同时从账户1)中扣除,如果帐户1)成为了0,你仍然可以继续因为CASH-
OUT是按照2)算得。如果后来帐户1)上涨很多
s*******d
发帖数: 126
2
I have not bought annuity but I did glance over some reading materials on
this stuff once. My general impression is that there are a lot of gray areas
and fees and what not often eat into your profit. Conceptually it is a
simple product - the insurance company trades risks and unknowns, such as
your death time, with you. But once they start to pile on different
conditions and restrictions, I'd be skeptical. You really should read all
the fine prints and understand how you are being charged (how

【在 h****d 的大作中提到】
: 产品之一:
: 6年的:每年的第一天可以在下面三种之一转换:
: 1)4。5%固定的收益
: 2)一年S&P500LINKED:最高7.2%,最低1.9%
: 3)两年S&P500LINKED:最高19%,最低>2%(具体忘记了)
: 产品之二:
: 5年的,S&P500LINKED,如果S&P500正,7。5%,否则1.9%
: 产品之三:(很复杂)
: 10年的,你有两个独立账户:
: 1)S&P500LINKED,最高8%,最低0%--每年可以CASH-OUT一定比例。

m**********r
发帖数: 887
3
费用如何?
S******n
发帖数: 617
4
no,no,no, ALL annuity insurance companies are fucked up big time.
And Turbo-tax-Timmy doesn't have enough $$ to bail them out.

【在 h****d 的大作中提到】
: 产品之一:
: 6年的:每年的第一天可以在下面三种之一转换:
: 1)4。5%固定的收益
: 2)一年S&P500LINKED:最高7.2%,最低1.9%
: 3)两年S&P500LINKED:最高19%,最低>2%(具体忘记了)
: 产品之二:
: 5年的,S&P500LINKED,如果S&P500正,7。5%,否则1.9%
: 产品之三:(很复杂)
: 10年的,你有两个独立账户:
: 1)S&P500LINKED,最高8%,最低0%--每年可以CASH-OUT一定比例。

h****d
发帖数: 358
5
There is no fees. They make money by: capping your gain and eating the
dividends, and their risk is when the market goes down they have to provide
the protection.

【在 m**********r 的大作中提到】
: 费用如何?
h****d
发帖数: 358
6
Thanks for your suggestion. Some advisers think fixed annuity is a good
product since they are simple, carry little risk while provide tax-deferred
income. And they are protected (kinda of insured) by the state government.

areas
is

【在 s*******d 的大作中提到】
: I have not bought annuity but I did glance over some reading materials on
: this stuff once. My general impression is that there are a lot of gray areas
: and fees and what not often eat into your profit. Conceptually it is a
: simple product - the insurance company trades risks and unknowns, such as
: your death time, with you. But once they start to pile on different
: conditions and restrictions, I'd be skeptical. You really should read all
: the fine prints and understand how you are being charged (how

1 (共1页)
相关主题
伯南克大叔屁股有点冒烟了Designed to Decieve---I guess this is a good one for this board.
about annuities: I LMAO when reading this article有懂 Annuities 投资的吗?
[合集] 如何投资才能到>10%?有买new york whole life insurance的吗?
term life insurance的问题有懂年金的吗? (转载)
KennyD的几个所谓低风险投资之分析大家听说过Berkshire Hathaway Life Insurance Company of Nebraska (BHLN)吗?
这个annuity是怎么回事?So Turbo-tax-timmy basically said nothing
what about fixed annuity rateJapan's trade surplus down 99% in March
How to Beat Annuity10-year & MBS both collapsed
相关话题的讨论汇总
话题: out话题: cash话题: annuity话题: 账户话题: your