The habits fix the future 习惯决定未来
However, the traditional annuity fix the future yield, the insured faces the inflation risk, the insurer faces the interest risk.
但传统的年金产品在产品购买时,就确定了未来的收益率,保户面临通胀风险,公司面临利差风险。
Academically speaking, it only defers the problem it aims to fix anyway, because when more facts are gathered about customers at some point in the future, the interface will need to change.
从学术角度而言,它仅仅延迟了迟早需要解决的问题,因为在将来某个时间收集更多的事实时,将需要对接口进行更改。
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