10万块钱买S&P500 ETF，每

see http://www.moneychimp.com/features/market_cagr.htm

S&P 500 (ETF symbol SPY) from 1984 to 2014 (30 years) average return 12% a year, adjusted for inflation 9%  你死后你的继承人还有十万。

Your annuity, first five year return is 0%, and after 65 years old is 7.6%, not inflation adjustable. 你死后你的继承人还有000000

Which one is better, I'll leave it up to you.

所有跟帖： 

• 嗨，你说的是个股，还是S&P500指数。谢谢。 -月光下的橡树园- ♀ (0 bytes) () 01/23/2015 postreply 13:01:41

• http://en.wikipedia.org/wiki/Exchange-traded_fund -柠檬椰子汁- ♂ (25 bytes) () 01/23/2015 postreply 13:09:24

• 学习了。非常感谢。2011年买了些美国银行，没出。只是不能像在中国做A股勇猛 -月光下的橡树园- ♀ (0 bytes) () 01/23/2015 postreply 13:18:41

• 这个annuity有cash refund -柠檬椰子汁- ♂ (488 bytes) () 01/23/2015 postreply 14:21:01

• 应该是活越久回报越高。 -月光下的橡树园- ♀ (0 bytes) () 01/23/2015 postreply 14:47:58

• forever < 7.63% per year -柠檬椰子汁- ♂ (154 bytes) () 01/23/2015 postreply 16:32:36