Robyn2024-02-01 13:53:33
RobynStatement 2 If Jason were to purchase the annuity in 10 years rather than immediately, his annual income yield would be higher at that time than now。Statement 3 If Janice were to add a 10-year period certain option to her annuity, her income yield would be reduced when compared to not having the option, but it would be reduced by greater amounts the longer she waits to purchase the annuity.——这两个为什么是对的，可否解释一下？
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Johnny2024-02-03 23:46:46
Johnny同学你好，period certain就是这个年金保证一定至少支付你相应年份的年金，就比如10年的period certain就是这个年金肯定会至少支付你10年，如果在购买了年金后的第五年就去世了，即使在投资者死后，他的家属也至少会再收取5年的年金。如果没有period certain，那么死后就没有年金可收了。
不过有period certain的年金的income yield会低于没有period certain的时候
statement 3的意思是50岁买普通年金的income yield减去50岁买包含period certain的年金的income yield，这个income yield之差会小于60岁买普通年金的income yield减去60岁买包含period certain的年金的income yield。其实就是60岁的两个income yield差距会大于50岁时的两个income yield差距，这个说法是正确的，参照直播时的表格数据。
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