d****i
发帖数: 4809 | 1 有人推荐给我一种fixed index annuity，这个东西是怎么回事？比存401K好吗？有哪
位解释一下？ |
r****m
发帖数: 1204 | 2 主要是老年人用的.
当然, exception 也是有的. |
d****i
发帖数: 4809 | 3 那这个和401K一样，也是放税前的钱？有什么好处呢？怎么看到的是north american的
人寿保险的广告，是不是和人寿保险有关。
【在 r****m 的大作中提到】
: 主要是老年人用的.
: 当然, exception 也是有的.
|
r****m
发帖数: 1204 | 4 It's for both before and after tax money, and always offered by insurance
companies.
It guarantees you won't outlive your money, but the return you can get
varies.
Even for older people, the best time to buy is when interest rates are
higher, so the return you can get from such products will be higher.
Good commission for agents. |
d****i
发帖数: 4809 | 5 多谢，那我现在可以用税前或税后的钱投吗？一年有多少限制?
【在 r****m 的大作中提到】
: It's for both before and after tax money, and always offered by insurance
: companies.
: It guarantees you won't outlive your money, but the return you can get
: varies.
: Even for older people, the best time to buy is when interest rates are
: higher, so the return you can get from such products will be higher.
: Good commission for agents.
|
r****m
发帖数: 1204 | 6 Yes.
No limit on after-tax money investment.
Pre-tax money investment is typically used as a 401(k) or IRA rollover, so
the limit is how much money you can rollover. |
