回复：It is true

来源: 于 2011-12-17 00:08:53 [博客] [旧帖] [给我悄悄话] 本文已被阅读：次

The guarantee is true only if you "annuitize" in future. There are 2 numbers in your account: the base value; return=max(guarantee rate, invesment return rate)

The value; return=invesment return rate.

When you "annuitize", you may get 6% pay till end of life, the base is based on the base value. So they'll make money from you. It's nice to put partial of $$ on VA;especially for small business owners who do not have pension.