??智慧
2023-01-15 14:14為什么高齡遞延年金是即期年金和遞延年金的混合呢？
所屬：CFA Level III > Private Wealth Management 視頻位置 相關(guān)試題
來(lái)源： 視頻位置 相關(guān)試題
1個(gè)回答
Johnny助教
2023-01-16 12:12
該回答已被題主采納
同學(xué)你好，原版教材把ALDA稱(chēng)為a hybrid of a deferred fixed annuity and an immediate fixed annuity，也就是遞延年金和即期年金的結(jié)合，他不是立即付你錢(qián)，而是等你老了以后再付你錢(qián)，這個(gè)“即期”是被遞延到你老了之后。
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追問(wèn)
這不就是遞延年金嗎？當(dāng)時(shí)付一大筆錢(qián)也沒(méi)有當(dāng)時(shí)拿到年金啊。不清楚這里的即期是怎么即期的？麻煩再回答一下
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追答
同學(xué)你好，正如教材原文所說(shuō)：Similar to an immediate fixed annuity, an ALDA involves the permanent exchange of a lump sum for an insurance contract that promises to pay an income. However, in contrast to an immediate payout annuity, for which the payments begin immediately, an ALDA’s payments begin later in life—for example, when the individual turns 80 or 85.
與固定即期年金相同的點(diǎn)在于ALDA會(huì)付一大筆錢(qián)來(lái)?yè)Q取之后的固定年金，但這個(gè)固定年金不是立即支付，而是在80歲之后再付，于是教材這里就認(rèn)為它是把即期支付的年金給延到以后，于是給出的結(jié)論是a hybrid of a deferred fixed annuity and an immediate fixed annuity.這個(gè)結(jié)論需要記住
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