誰買年金？
誰買年金？
 Annuities are bought by many types of people. Mainly people who are saving for retirement. The majority of annuity owners are 50 or over. it is a retirement savings product that traditionally has lent itself to near-retirees. The closer you get to retirement age, the more conservative your retirement savings should become. This is to help eliminate volatility, which can be very harmful to retirement income. But some types of Annuities can be suitable for younger people too. Variable Annuities offer direct market investments which can be attractive to younger buyers. And Indexed Annuities offer index-linked interest gains, which can act as an in-between to a traditional Fixed Annuity or CD, and a Variable Annuity or other market investment. Many Indexed Annuities offer a Guaranteed Lifetime Income Rider. This rider is now available to people as young as 40, and a few companies even offer it to any age. This Rider can be an excellent guaranteed source of income for a younger consumer, and supplements other retirement savings very well.
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