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。

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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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Unless you have reached 75, at which point the rules say you have to use your fund to buy an annuity to provide you with an income, you might want to sit tight in case the market recovers.

除非您已经75岁了，处于这种情况下，规定上说您必须用存款买一份年金以提供一份收入，您可以坐等可能出现的市场复苏。

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's Select Deferred Income Annuity, a product introduced last April that now accounts for 20% of the insurer's income annuity sales.

WSJ: Should You Buy 'Longevity' Insurance?

Annuity income can supplement Social Security benefits, income from investments, and retirement account distributions.

FORBES: Immediate Annuities Aren't for Everyone

Layer on another 15% to 20% of your income with that annuity and in all likelihood you're set for life.

FORBES: Retirement