Annuities are notoriously low in returns because traditional
Annuities are notoriously low in returns because traditionally it was provided for widows who had no own incomes. So it is by regulation invested in very conservative instruments.
I always said that if you have a decent social security, you don't have to buy annuity because social security is kind of annuity.
只能祝愿 Good luck
https://www.getsmarteraboutmoney.ca/learning-path/annuities/annuity-options-and-your-payments/
Annuities are notoriously low in returns because traditionally it was provided for widows who had no own incomes. So it is by regulation invested in very conservative instruments.
I always said that if you have a decent social security, you don't have to buy annuity because social security is kind of annuity.
反正买年金的人不少，但华人较少，主要是推销年金的人口碑太差，原因很多。
等到70岁再开始领社安金，夫妻二人每月可以拿差不多一万，就等于买了一笔年金。之前投坛讨论什么时候拿社安金最佳，从来没有把年金考量进去。
公司还要赚点，到你这能剩多少？
这个例子强太多了。
因为买CD，或者更好买Treasury，前面三个原因都可以满足。