MO, PM, KO, PEP, MCD, etc. you can find things yields between 2% to 6%. Many times, these thing return big bucks too like MCD, PEP. Even AAPL has 2% yield.
All these are way better than the 4-5% payout from annuity. 还不算佣金。
When an insurance company goes through bankruptcy, the insurance coverage will continue, and policy claims will be covered and paid by state insurance guaranty associations, subject to each state's coverage limits. Guaranteed coverage amounts typically vary from $100,000 to $500,000 in benefits. Still, you will need to check with your state insurance guaranty association to see what amounts are covered for which types of benefits in your state.
Both general and state-specific laws must be followed. You can get additional information from the National Organization of Life and Health Insurance Guaranty Associations (NOLHGA), which provides a summary of each state's laws and links to the state's guaranty association.
AT&T. Verizon. WM. 电力公司等等。不论世界怎么变，开电车还是汽油车，这些基础服务都是必须的。具体操作时什么价格入手，要分析过去三年的均价作参考。买完之后，就安心收股息，不必随着价格波动而心潮起伏。比如你有3M，AT&丅红利7％，一年躺收21万，不用付任务手续费，还可以让下一代继承。
有个老笑话，说为什么要找专业人士理财。就是赚钱时可以跟老婆吹嘘觉得自己很聪明，眼光准、看对了人；亏钱时不是自己的错，可以赖理财专家、大骂他一顿。
MO, PM, KO, PEP, MCD, etc. you can find things yields between 2% to 6%.
Many times, these thing return big bucks too like MCD, PEP. Even AAPL has 2% yield.
All these are way better than the 4-5% payout from annuity. 还不算佣金。
他们一样也要投资股市。如果2008甚至1929再次发生(assume no bail out), 年金公司也会没钱给你。届时他们会自动降低payout,或者就破产了。这和pension一样，pension cut 50% benefit 也都是听说过的。
所以年金并没有那么好的避险功能。
听说pension cut benefit是砍新进的人，之前进的人的pension是有合同，不能砍的，除非是州政府市政府破产
请有亲身经历的朋友讲讲
https://www.thebalance.com/what-happens-if-your-insurance-company-files-bankruptcy-2388607
When an insurance company goes through bankruptcy, the insurance coverage will continue, and policy claims will be covered and paid by state insurance guaranty associations, subject to each state's coverage limits. Guaranteed coverage amounts typically vary from $100,000 to $500,000 in benefits. Still, you will need to check with your state insurance guaranty association to see what amounts are covered for which types of benefits in your state.
Both general and state-specific laws must be followed. You can get additional information from the National Organization of Life and Health Insurance Guaranty Associations (NOLHGA), which provides a summary of each state's laws and links to the state's guaranty association.
两点不同：
风险不同：分散投资股票，固然风险降低，但是还是有风险，
投入不同：做功课，读年报，对现在是没有问题，但是年龄大了，或许身体不佳，或者家里有其他拖累的事情，无暇顾及的时候呢
所以不是说一定是年金好或者是自己投资好，而是各种投资方式都有它的适用人群和适用比例。
你30岁有50万，希望尽快翻翻好，和65岁准备退休，有5百万，希望稳妥生活, 情况显然不同