年金是否適合我？
年金是否適合我？
 David's article is well written and the basic principles are the same in Canada, the design and tax regulations and advantages are of course very different. Accumulation annuities: Guaranteed Interest Annuities (GIA) - your money invested is guaranteed Guaranteed Investment Annuities (GIF) also referred to as segregated funds or variable annuities - your money is invested in equities and is not guaranteed. Since the products are issued under the insurance act they include maturity and death benefit guarantees, typically 75% or 100%. Payout annuities: You exchange a lump sum of money for a stream of payments for the rest of your life or for a specified number of years. Since they provide a guaranteed pension income they are often used by retirement income planners to cover fixed expenses. The guarantees, estate planning applications, potential creditor proofing and tax advantages are reasons why annuities are an important part of retirement planning. In Canada as in the USA, whether or not an annuity is right for you depends on your individual circumstances. Using an annuity strategy is not always complicated, it is however, often permanent. In most provinces in Canada, almost anyone can call themselves a Financial Adviser or Financial Planner. Look for an insurance broker with a professional designation like a Chartered Life Underwriter (CLU) or Certified Financial Planner (CFP). Annuities are often used in combination to increase after tax income, guarantee income, address volatility, "lock in" gains, leave a legacy, ensure privacy and provide potential creditor protection. With their increased risk exposure protecting your retirement nest egg is of special importance if you are the self employed. You can find 16 "I want to ... how do I" examples at www.jpw.ca If you have further questions please contact me.
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