70歲男性,今天一次交給年金公司10萬,下個月開始領取固定收益,每個月領$709。
https://www.immediateannuities.com/information/annuity-rates-step-1.html
70歲男性,今天一次交給年金公司10萬,下個月開始領取固定收益,每個月領$709。
https://www.immediateannuities.com/information/annuity-rates-step-1.html
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回報這麽差嗎?下巴都掉下來了。Something wrong?
-未知-
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11/17/2024 postreply
22:18:09
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也可以算present value,把未來的所有現金流都折算到現在,即使無限長壽,也隻值93588,比10萬還差了一點
-QuantFields-
♂
(675 bytes)
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11/17/2024 postreply
22:40:54
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數字不會說謊。
-QuantFields-
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11/17/2024 postreply
22:41:48
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活到 100 歲的話(概率很低)平均年回報率才 3.17% 啊。隻不過稍微超過 inflation.
-HenryLi-
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11/18/2024 postreply
04:33:08
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Yes, for 15 yr expected life (to 85), the return is about 3%
-borisg-
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(333 bytes)
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11/18/2024 postreply
06:06:07
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