人们不会因为又一年没有拿到人寿保险赔偿金而抱怨,对社会保障金和即期固定年金却非常挑剔。今年早些时候,我写了一篇专栏文章,建议退休人员将部分财产存入即期年金中,无论他们活多久,即期年金每月都会向他们支付固定的金额。许多人对这篇文章持有异议,并主张他们自己能够独立地做出更好的投资选择。他们可能是对的。 People will not complain about failing to get their life insurance compensation for another year, but they are very picky about social security and fixed-term annuities. Earlier this year, I wrote a column recommending that retiree deposit part of the property into the spot annuity, and that spot annuity pay them a fixed monthly amount no matter how long they live. Many people disagree with this article, arguing that they themselves can make better investment choices on their own. They may be right