Struggling asset markets mean they build up a smaller pension pot; low bond yields mean the annuity income from that pot is lower.
糟糕的资产市场意味着他们建立的养老金规模较小,债券收益较低意味着该规模的养老金保险收入更低。
Moreover, unlike with an individual retirement account, you don't need earned income to fund a variable annuity, so you can open an account for a toddler.
此外,不象个人退休帐户,可变年金账户并不需要靠固定收入来维持。所以你甚至可以给婴儿开设这样的账户。
One strategy is to consider the minimum amount of income you require on an annual basis and then see if there's a low-cost annuity that promises to pay at least that amount for life.
一个策略是,想想你每年所需的最低收入是多少,然后看看有没有低成本的年金,可以承诺终生支付至少这个数目。
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