A: It is a retirement insurance tool that combines capital preservation with flexible returns.
Insurance companies will publish a "declared interest rate" every year based on investment results, which is used to calculate the value-added effect of policy accounts.
Unlike fixed annuities, the advantage of variable annuities is that they balance protection and growth flexibility, making them the first choice for many mid- to long-term retirement fund planners.
# Retirement Financial Management Q&A 100 Questions
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