5《巴伦周刊》6月20日多年来,一直被认为是“昂贵的噱头”的年金如今却成为最值得投资的一大途径。随着“婴儿潮”一代接近退休年龄以及宏观市场的不稳定,不少精明的投资顾问推荐客户把年金作为退休收入计划的重要组成部分。虽然年金的回报率很难让人大跌眼镜,收益仅略高于存款,但它为退休者提供稳健的收入来源。年金最基本的形式是保险公司把投资者缴纳的资金转化为保障性退休收入,投资者可以确定任何期限,亦可以为其一生签这笔合同。年 5 Barron’s Week Annuity, which has long been considered an “expensive gimmick” for many years, has now become one of the most rewarding ways to invest. As the “Baby Boomers” approach retirement age and the macroeconomic instability, many savvy investment advisers recommend that customers make annuities a significant part of their retirement income plan. Although the annuity rate of return is hard to surprise and yields only slightly more than savings, it provides retirees with a steady source of income. The most basic form of annuity is that insurers convert the funds paid by investors into guaranteed retirement income. Investors can set any deadline and sign the contract for the rest of their life. year