❤️智慧2023-01-15 14:14:19
❤️智慧为什么高龄递延年金是即期年金和递延年金的混合呢？
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Johnny2023-01-16 12:12:23
Johnny同学你好，原版教材把ALDA称为a hybrid of a deferred fixed annuity and an immediate fixed annuity，也就是递延年金和即期年金的结合，他不是立即付你钱，而是等你老了以后再付你钱，这个“即期”是被递延到你老了之后。
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这不就是递延年金吗？当时付一大笔钱也没有当时拿到年金啊。不清楚这里的即期是怎么即期的？麻烦再回答一下
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同学你好，正如教材原文所说：Similar to an immediate fixed annuity, an ALDA involves the permanent exchange of a lump sum for an insurance contract that promises to pay an income. However, in contrast to an immediate payout annuity, for which the payments begin immediately, an ALDA’s payments begin later in life—for example, when the individual turns 80 or 85.
与固定即期年金相同的点在于ALDA会付一大笔钱来换取之后的固定年金，但这个固定年金不是立即支付，而是在80岁之后再付，于是教材这里就认为它是把即期支付的年金给延到以后，于是给出的结论是a hybrid of a deferred fixed annuity and an immediate fixed annuity.这个结论需要记住
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