年金好像是个不错的退休选择。市场上有那么多年金，请教有经验的，买哪个、哪种年金好呢？

现在看上去好像 Allianz 222, Jackson VA Prospective II, Brighthouse FlexChoice, Prudential Highest Daily 比较好。但不知道，大家一起讨论讨论啦！

 

 

 

所有跟帖： 

• 整存零取。超过55岁就不要购买了。 因为好增长率的年金都要锁定10年。你65岁要退休时钱还不能动。 -玉米地- ♂ (0 bytes) () 08/19/2017 postreply 16:44:18

• 是的。其实买年金是为省事 “for people who don't want to do the investment the -tzlcbill- ♂ (0 bytes) () 08/21/2017 postreply 01:06:36

• Be careful the annuity fee! Compare them against this. -hhtt- ♂ (173 bytes) () 08/19/2017 postreply 17:12:21

• 好像从没见投资大鳄们碰年金？ -江东老表- ♂ (0 bytes) () 08/19/2017 postreply 17:58:49

• Annuity is for people who don't want to do the investment themse -hhtt- ♂ (0 bytes) () 08/19/2017 postreply 18:28:11

• that's the key! thanks for the link. -tzlcbill- ♂ (195 bytes) () 08/21/2017 postreply 00:59:41

• I don't touch annuity at all since I can produce a better return -hhtt- ♂ (0 bytes) () 08/21/2017 postreply 09:53:44

• 年金is not good, difficulty to take it out when you try to get the -Tianyazi- ♂ (76 bytes) () 08/19/2017 postreply 21:07:09

• 5-10% return 不错了。哪个年金，請介绍下啦？ -tzlcbill- ♂ (0 bytes) () 08/21/2017 postreply 00:20:04

• 谁知道年金回报多少，印象里面大部分投风险较小的项目，回报可能不好 -inet-fan- ♂ (0 bytes) () 08/20/2017 postreply 12:03:29

• 是的。那样虽然较保险但回报率低也划不来。好像只有Jackson National的年金风险大风险小的项目都采用，别家的只用风险小 -tzlcbill- ♂ (0 bytes) () 08/21/2017 postreply 00:16:03

• 不要去想年金（annuilty)了。 -Sunflower28- ♂ (400 bytes) () 08/20/2017 postreply 17:13:37

• 说得是。所以要买的话就只能找那回报率高的。只采用风险的小项目的年金回报肯定不高。 -tzlcbill- ♂ (53 bytes) () 08/21/2017 postreply 00:12:50