Penjualan anuitas mencapai rekor tahun. Apa yang perlu diketahui sebelum membelinya
What are annuities？ Annuities are issued by insurance companies. Consumers generally hand over a lump sum of money in exchange for an income stream for life, similar to a pension or Social Security. Financial planners sometimes recommend them to guard against the risk of outliving ones savings — though some kinds are much better at doing so than others, they said. “There are all different types of annuities, and to me, the majority are not necessarily good,” said Carolyn McClanahan, a certified financial planner based in Jacksonville, Florida, and a member of CNBCs Advisor Council. Why annuity sales spiked in 2023 In 2023, the U.S. Federal Reserve raised its benchmark interest rate to the highest level in 22 years. That nudged up the returns and income that consumers could get from annuities, thereby making them more attractive, said Todd Giesing, head of annuity research at LIMRA. While the stock market has bounced back from a dismal 2022, theres “still a lot of uneasiness with investors,” who are grappling with unknowns like the trajectory of inflation and the economy, Giesing said. Such malaise pushed consumers to seek out relative safety, in fixed-rate deferred annuities, for example. Theyre like certificates of deposit in annuity form, protecting principal while delivering