关键区别 - 年金与复杂兴趣
Investors use a number of investment opportunities in order to generate returns. Annuity and compound interest are two such options that can be considered by an investor depending on the investment requirements. The key difference between annuity and compound interest is thatwhile annuity is an investment that offers a guaranteed income for a certain period of time as a result of a substantial sum paid up front; compound interest investment earns interest on a growing basis since each interest will be added to the original amount invested when subsequent interests are calculated.
内容
1.Overview and Key Difference
2.什么是年金
3.What is Compound Interest
4.并排比较 - 年金与复合兴趣
5.概括
什么是年金
年金是定期提款的投资。换句话说，这是投资者与第三方（通常是投资公司）之间的协议。要投资年金，投资者应该立即有大量资金投资，其中将在一段时间内提款。为了换取这笔钱，保险公司承诺将提供预定时间段或终身的收入（将根据协议确定）。退休基金和抵押贷款是最普遍的投资年金。
如下所述，有两种主要类型的年金类型。
固定年金
在这种类型的年金中，收入不受利率和市场波动的变化影响，获得了保证的收入；因此，它们是最安全的年金类型。下面给出的是不同类型的固定年金。
立即年金
Investors receive payments soon after making the initial investment
递延年金
在开始付款之前，这会在预定的时间内积累资金。
Multi-Year Guarantee Annuities (MYGAS)
It pays a fixed interest rate each year for a certain period of time.
Variable Annuities
The amount of income varies in this type of annuities since they give the opportunity for investors to generate higher rates of return by investing inequity或者纽带sub-accounts.Incomewill vary based on the performance of the sub account values. This is ideal for investors who wish to benefit from higher returns, but at the same time, they should be prepared to endure the probable risks. Variable annuities have higher fees due to the associated risk.
What is Compound interest
复合利息是一种投资方法，其中收到的利息将继续加起来，总和（原始额度为投资），以下时期的利息不仅是基于最初投资的金额，而且基于加上本金和所获得的利息。
E.g. Assuming that a $1,000 deposit is made on the 1st of January at a rate of 10% per month, the deposit receives an interest of $100 per month continuing for the year. However, for the deposit made on 1st of February at the same rate, the interest will be calculated not on $1,000, but on $1,100 (including the interest earned in January). The interest for February will be calculated for 11 months assuming that this is a one-year investment.
对于投资者而言，重要的是要知道投资到期的总金额是多少。这可以使用以下公式得出。
FV= PV (1+r)n
Where,
FV= Future Value of the fund (at its maturity)
PV= Present Value (the amount that should be invested today)
R =回报率
n = Number of time periods
Continuing from the above example,
E.g. FV= $1,000 (1+0.1)12
= $3,450 (rounded to the nearest whole number)
This means that if a deposit of $1,000 is made on 1stof January, it will grow to $3,450 by the end of the year.
图1：可以定期计算复合兴趣
年金和复合兴趣有什么区别？
年金与复利 |
|
| Annuity is an investment from which periodic withdrawals are made. | Compound Interest earns interest on a growing basis since interest is earned on interest in addition to the original amount. |
| 初始投资 | |
| 年金需要一大笔的密苏里州ney as the initial investment. | Investing can be done even from a small fund. |
| Growth in Interest | |
| Annuity investment can be increased by investing in equity and bond sub-accounts. | Compound Interest investment value grows even in the absence of additional investment since interest earned increases automatically. |
概括– Annuity vs Compound Interest
The difference between annuity and compound interest is that unlike in annuity, compound interest does not require a lump sum of money at the beginning of the investment; thus, it is an attractive investment option for many investors. Investing in an annuity is usually done by a person closer to retirement in order to receive a guaranteed income during retirement. However, if the stock market conditions are not favourable, investments in variable annuities will generate more volatile returns.
Reference:
1. “What is an annuity?” Investopedia. N.p., n.d. Web. 24 Feb. 2017.
2. “Compound Interest vs. Annuity.” Budgeting Money. The Nest, 28 Apr. 2012. Web. 24 Feb. 2017.
3.“什么是年金？”CNNMONEY。有线新闻网络网络。2017年2月24日。
4. Segal，Troy。“复杂的兴趣。”Investopedia。N.P.，2016年12月12日。2017年2月24日。
Image Courtesy:
1. “Compound Interest with Varying Frequencies” By Jelson25 – Own work (CC BY-SA 3.0) viaCommons Wikimedia
This is not right, This means that if a deposit of $1,000 is made on 1st of January, it will grow to $3,450 by the end of the year. $1000 earning 12% will not amount to $3450 in one year.