以下是annuity的英文范文：
"Annual Income: Annuity vs. Lump Sum"
In today's financial world, there are two primary ways to receive income in retirement: as a lump sum payment or as an annuity. Each has its own advantages and disadvantages, and it's important to understand the differences before making a decision.
Annual income refers to the regular payments received each year, usually from a retirement account or pension plan. An annuity is a type of annual income that is paid out over a period of time, typically in installments or payments.
When comparing an annuity to a lump sum payment, it's important to consider the tax implications and risk factors. Lump sum payments are generally taxed at the time of distribution, which can result in higher tax bills. On the other hand, annuities can provide tax-deferred growth, which can lower the overall tax burden over time.
In addition, annuities can offer stability and predictability in income, which is particularly important for retirees who may need to rely on income for a long period of time. However, annuities also come with risks, including market risk and the possibility of early withdrawals that may result in taxes and penalties.
Ultimately, the decision on how to receive income in retirement should be based on personal circumstances and financial goals. If you're considering an annuity as part of your retirement planning, it's recommended to consult with a financial advisor to understand your options and weigh the pros and cons of each option.
annuity是一个英语单词，可以用作名词，意思是年金；养老金；终身年金。
短语搭配：
1.annuity in full 一次性年金
2.annuity rate 年金率
3.annuity pension 养老金
4.annuity income 年金收入
例句：
1.The company has been offering a pension and annuity plan to its employees for years.
该公司多年来一直向员工提供养老金和终身年金计划。
2.The company has a pension and annuity fund of over 5 billion yuan.
该公司的养老金和终身年金基金超过50亿元。
以上就是annuity的详细解释以及相关例句，希望对您有所帮助。
annuity的意思是年金。
在英文范文当中，annuity的变化可能受到语法、词义演变、固定搭配、文化背景等因素的影响。