Q3: Are annuity insurance and pension the same?

Q3: Are annuity insurance and retirement benefits the same? A: Retirement benefits are institutional income that is passively received from the company or government you work for; whereas annuity insurance is an active personal retirement plan. After retirement, you may face risks such as longevity, inflation, and medical expenses. Annuity insurance guarantees a stable source of income and provides more flexible planning and supplements to help you gain more financial autonomy.

A:退休金是由所待公司或政府,提供被動領取的制度性收入;而年金保險是主動投資的個人退休計畫。

在退休後可能面對長壽、通膨、醫療支出等風險。

年金保險則保障有穩定收入來源,且提供更彈性的規劃與補充,幫助自己掌握更多財務自主權。

# Retirement Financial Management Q&A 100 Questions
# Zhihui Insurance Broker
# I am an asset risk controller


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