在考虑index annuity的网友，这篇要仔细读读：

（下面是重点摘录）

Index annuities were invented in the mid-'90s and have soared in popularity since the 2000 tech bubble collapsed (see box). They include:

    * Overly aggressive marketing practices, including "informative" lunches that are really veiled sales pitches.
    * Commissions so high -- 9% in some cases -- that they can tempt the selling agents to act against buyers' best interests.
    * Surrender fees -- as high as 20% -- imposed on buyers who want to cash out before 10 or more years have passed.
    * Offers of "bonuses" that aren't worth as much as they seem and that some people never actually collect.
    * Products so complex that buyers -- retirees who are at their most financially vulnerable -- can't tell whether they're getting a good deal or are just getting taken.

全文和分析请参见：

http://money.cnn.com/2011/01/17/pf/index_annuities_safety_trap.moneymag/index.htm

所有跟帖： 

• 回复：在考虑index annuity的网友，这篇要仔细读读： -blocked- ♂ (64 bytes) () 01/18/2011 postreply 08:36:33

• I believe every financial product has its targets. -Morning3evening4- ♂ (79 bytes) () 01/18/2011 postreply 09:51:33