...计划,此时RRSP中的全部金额被视为持有人当年的收入,但我们通常将RRSP转换成RRIFs(注册退休收入基金)或Annuities(养老金年金)等形式,既能有稳定的退休收入又能继续获得延税增长的好处,同时也能尽量做到税收最小化。
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养老金的退休年金契约 Retirement Annuity Contracts ; RACS
争论的一大议题是养老金问题:年金发放在英国要比在欧洲其它国家普遍的多。
The big issue is pensions: annuities are far more common in Britain than elsewhere in Europe.
这表明大多数英国人用他们的养老金来购买年金。
This reflects the fact that most Britons use their pension pot to buy an annuity.
收益和每年的缴费数额挂钩,保护组合和养老金受益人免除年金风险。
Benefits are linked to annuity rates, protecting both the scheme and the pensioners from annuity risk.
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