黄同学2020-03-11 11:09:26
黄同学老师，个人ips的R32，蓝神笔记下册的P159页，为什么inflation-adjusted annuity属于fixed annuity？fixed annuity的缺点是不抗通胀，既然和通胀率挂钩了应该抗通胀啊？
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Chris Lan2020-03-11 20:30:49
Chris Lan同学你好
这一点我是总结纪老师上课讲的话，但我感觉有点问题，我之前找纪老师求证，他没回复我，我自己查原版书也没找到这种表述，这一点你先不要这么记了吧。
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原版书上有这么一段summary，从这个意思来看fixed rate annuities应该是不能inflation-adjusted的。
Fixed annuities provide a benefit that is fixed (or known) for life, whereas variable annuities have a benefit that can change over time and that is generally based on the performance of some underlying portfolio or investment. When selecting between fixed and variable annuities, there are a number of important considerations, such as the volatility of the benefit, flexibility, future market expectations, fees, and inflation concerns.
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