안녕하세요.
4장 Annuities 요약 입니다:
SPIA (Single Premium Immediate Annuity)란..,
Fixed or Variable Annuity with a sum of money upfront
Pros:
- Makes Retirement planinng easier
- Allows higher withdrawal rate than from a portfolio of stocks and bonds
Cons:
- Inflation Risk
- Lose control of money
- SPIA cannot pass to heirs
- Risk of insurance company's financial health
- check financial strength of insurance company and coverage of guaranty association
- diversify among multiple insurance companies
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질문:
- SPIA 같은 Annuity 플랜에 대해서 어떻게 생각하시나요?
- 은퇴 후 SPIA와 직접 포트폴리오에서 withdrawal 중 어떤 방벙을 하시고 싶으신가요?
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