연금: 은퇴 계획을 위한 안전성 평가

### 연금에 대한 이해: 연금은 안전한 은퇴 옵션인가요?
* 💼 연금은 실행 가능한 은퇴 옵션이 될 수 있지만, 그 적합성은 **개인의 재정 상황과 은퇴 목표**에 따라 크게 달라집니다.
* 💰 많은 은퇴자들이 식료품과 공과금과 같은 고정 지출을 충당하기 위해 **보장된 수입**을 원하기 때문에 **연금은 마음의 평화**를 위해 매력적으로 다가옵니다.
* 🤔 그러나 연금은 소비자에게 필요한 것보다 **판매원에게 더 많은 수익**을 가져다주어 과잉 판매로 이어질 수 있다는 점을 인식하는 것이 중요합니다.
* 📜 많은 연금 계약은 명시하지 않는 한 **상속인에게 자산 이전을 허용하지 않음**으로 유산에 대한 본인의 욕구를 고려하는 것이 중요합니다.
* 📉 자신의 위험 성향을 이해하는 것이 중요하며, **시장 변동성이 두려운 분들에게는 연금이 필요한 보호**를 제공할 수 있습니다.
* 🔍 즉시형, 변동형, 주식 지수형 등 다양한 유형의 연금이 있으며, **즉시형 연금이 더 간단하고 유리한 경우**가 많습니다.
* 📊 변액 및 주가 지수형 연금의 **수수료와 참여율**은 수익률에 큰 영향을 미칠 수 있으므로 주의하세요.
* 🧑 수수료만 받는 신탁형 재정 고문과 상담하면 **복잡한 연금 문제를 해결**하고 정보에 입각한 결정을 내리는 데 도움이 됩니다.

연금은 일부 은퇴자에게는 안전할 수 있지만, 많은 은퇴자에게는 불필요할 수 있습니다.

[Music] um I've got another one heed up from ma. It says, Are annuities a safe retirement option? H um, so we're, you know, in our day job, we're financial advisers, and generally speaking, when we get a question like this, we have a really great answer and response. Uh, the answer is, It depends. It depends on your unique financial situation and what you are trying to accomplish. It's not uncommon for someone to get to retirement and they get to financial independence. They think, You know what, man, I really, I don't have a pension. You know, I, I, I, the company I work for doesn't have any sort of guaranteed benefit. Um, I'm going to have social security, but I might not start drawing that for, you know, five, 10, 15 years in the future. And I know that I have some, like, fixed expenses that I really am going to just count on having, whe, you know, groceries, utilities, that sort of thing. It would really help me sleep at night. It would make me feel

better. It would give me peace of mind if I knew that I had some guaranteed income structure, some assured income coming into me every single year or every single month. In that situation, for that type of person, an annuity might make sense. So, I don't want to completely dispel that annuities have no place in retirement plans, and that's not something you should ever consider. However, I do think that annuities are incredibly profitable for annuity salesmen in a lot of circumstances. And so, what happens is they begin recommending these products and recommending these solutions, not only in those small segments where it does make sense, but in wider segments where maybe it does not make sense. Because I think that more people purchase annuity products than actually need the annuity product sold. Annuity product, that's right, they're sold that more than they actually need the annuity product. So, I think they have a place in certain retirement plans, but I don't think that I would blanket say, Oh yeah, yeah, you

should absolutely have annuities if you're moving into retirement. By the way, M, you killed our name game, song game, so we'll blame Reby on that, not you. But it is one of those things where I wrote down two big things. First, what are your desires and wishes? I think a lot of people are surprised when they find out for a lot of annuities out there, especially the ones that give you a guaranteed benefit, that once executed, if you die prematurely, unless it's written into the contract, 'cause some of them will have a 10-year or they'll have a kickback. There depends on the writers or the way it's structured, but in the raw form, the insurance company keeps your assets because it's a promise to pay you this return while you're alive based upon your life. And maybe you can put a Survivor benefit dependent on your choices as well, but a lot of people, so if your desire is to pass this money down to loved ones.

Sometimes that blows up, putting all of the money in the annuities because your desires and wishes are disconnected from what the way these products are structured. The second thing you have to ask yourself is what's your risk, what's your risk appetite. Because look, without a doubt, if you are a person, we I have come across these people, it's not the majority of people, but every now and then we'll have somebody come in and we'll talk to them when we find out that they literally think that the stock market, they think that this whole thing that drives the entire economy, businesses and so forth, and the ownership of stocks is completely a scam or they're scared to death of any losses whatsoever. Now full disclosure, what do you think the insurance company's doing with your money? They're putting it into this same, the same thing as well. But for the people who are very nervous of that, I'm not going to take that away from because I have seen those cases and we, you have to admit, but there are people

that we've said the best thing they can do is just put that money in an annuity, protect them because protect them from themselves. They either didn't have discipline or they're just scared or don't know how things work. So, um, look at your risk profile. If that is you, if I just described you, and you don't want to take any risk of volatility because every year realize with any type of financial investment, there is potential risk. It's that whole concept of risk-reward. You're getting paid a premium for taking on additional risk, so that's part of the whole deal when you invest the money. Um, I actually, if you ask me and cornered me and say, Hey Bri, tell me the annuities you kind of like or you think are appropriate, so that's a good point. There are a number of different types of annu. There's immediate annuities, there's these variable annuities, there's these equity-indexed annuities, there's all types. I like more

of the immediate annuities that you see. It's kind of structuring like a pinion, and we even saw some right when interest rates really got to the higher point. They were even offering some bonuses that they really made these things for certain people seem very appealing. But that's not what you typically see that's being sold out there. What you see sold are these variable annuities or equity-indexed annuities. And what equity-indexed annuities, they sound so good on the brochure, is they say, Hey, we're going to give you all the benefits of the stock market, but it's like a ratchet. You can't go down because you don't get the downside. The only way they can give you that is if you go read the fine print, and you'll quickly find out that they typically, your participation rate is much lower, meaning because most of your money made investing is like in those outsize performance years, the years that the S&P 500 makes greater

than 20%, and you crush it. You're going to love that. Well, if your participation rate with the annuity you did, but, and they didn't disclose this to you, is only, you're capped out at 7% or 8%. You know, they kept all the extra performance, and they only gave you the 7% or 8%. That hurts you. I mean, it's one of those things. The other thing is, you got to look at the fees because variable annuities, equity index annuities, they're rife with lots of fees and commissions, so just be careful. So, we're not against annuities, but I think that it's just, it's one of those more complex things that you need to ask a lot of questions. Probably, if this is your first rodeo, you don't want to do this alone. You probably want to talk to somebody who doesn't sell insurance to kind of give you guidance behind the scenes. This is why I think it's, it is one of those things where you can take

the relationship to the next level. Ask those questions of your fiduciary fee-only financial adviser who doesn't have skin on the commissions of the products being sold to see if they can help you navigate some of this. If some of what I described hits you. Yeah, M's her. The actual question was, are they a safe retirement option? Some annuities can be incredibly safe, like those fixed immediate annuities. Like you said, it's guaranteed. And some can be incredibly aggressive, depending on the underlying investment. So I like what you just said there. Get a second opinion. Make sure you have someone who's giving you solid counsel, and it might not be the person trying to sell you the actual product. I think that's great.

Are Annuities A Safe Retirement Option?

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연금은 특히 연금이 없거나 사회보장연금 수령이 지연되는 등 소득 보장을 원하는 개인에게 안전한 은퇴 옵션이 될 수 있습니다.

연금은 고정 지출을 안심하고 충당할 수 있어 일부 은퇴 계획에 적합합니다.

하지만 연금은 필요 이상으로 판매되는 경우가 많기 때문에 판매원이 과도하게 추천할 가능성이 있습니다.

연금은 은퇴 후 보장된 혜택을 제공하는 중요한 수단이지만, 그 구조가 사랑하는 사람에게 자산을 물려주고자 하는 욕구와 맞지 않을 수 있습니다.

주식 시장 투자에 대한 거부감이 강한 사람도 있으므로 자신의 위험 성향을 고려하는 것이 중요합니다.

보험 회사는 종종 연금 기금을 유사한 시장에 투자하기 때문에 손실을 경계하는 사람들에게는 잠재적인 갈등을 일으킬 수 있습니다.

연금은 절제력이 부족하거나 위험을 감수하는 것을 두려워하는 개인에게 재정적 보호를 제공할 수 있습니다.

즉시 연금, 변동 연금, 주가 지수형 연금 등 다양한 유형의 연금이 있으며, 각 연금에는 구조와 혜택이 다릅니다.

즉시 연금은 매력적인 혜택으로 선호되는 반면, 주가 지수형 연금은 주식 시장 혜택을 약속하지만 참여율이 낮은 경우가 많습니다.

연금은 참여율에 상한선이 있어 수익률이 7% 또는 8%로 제한될 수 있습니다.

또한 높은 수수료와 수수료가 부과되는 경우가 많기 때문에 복잡한 금융 상품입니다.

연금을 처음 고려할 때는 보험을 판매하지 않는 전문가에게 조언을 구하는 것이 좋습니다.

연금에 대한 편견 없는 안내를 받으려면 신탁 수수료만 받는 재정 고문과 상담하는 것이 중요합니다.

확정 즉시 연금과 같은 일부 연금은 매우 안전할 수 있지만, 기본 투자로 인해 공격적일 수 있습니다.

특히 해당 상품을 판매하지 않는 사람에게서 두 번째 의견과 확실한 조언을 구하는 것이 중요합니다.