年金的給付是包括一部分本金的，否則給不出6%+的

https://www.schwab.com/learn/story/case-income-annuities-when-rates-are-up
不過如果需要買的話現在應該是一個好時機，晚了的話，利息降了，現在這個payout rate就沒有了。

https://educationcontent.schwab.com/sites/g/files/eyrktu1071/files/IE_1123_The%20Case%20for%20Income%20Annuities%20When%20Rates%20Are%20Up_Chart_final.jpg