几岁的人适合买年金？

标准答案是50-64岁的人最适合买年金，因为这个年纪接近退休年龄，并且可以有一段累积期，让您未来的终生收入可以变多。

那既然适合买年金的年纪是50-64岁，那40岁的人适合买年金吗？

40岁的人，现在也适合买年金，因为有更多的年金产品让累积期的好处跟利息红利都变得更加适合年纪轻一点的人，40岁的人到退休年龄的59岁半，还有大约20年的累积期，可以让终生收入变得更多。

那30岁的人呢？

30岁左右的人因为年纪与身体状态更加适合用人寿保险来做保障与投资，所以以人寿保险为主，如果已经有了人寿保险，并且非常想要有一个年金来作为额外的退休收入，那当然也可以投资年金。

那70岁的人可不可以买年金？会不会太晚？ 

70岁的人可以买那种马上领终生收入的年金，最快可以在年金生效之后的30天开始提领终生收入。

那80岁呢？

假設人现在平均寿命约90岁，80投资，就算马上领也只能领10年，不划算怎么办？ 80岁的人买年金就不提领啦！一个80岁的人想要留多一点钱给下一代，过去没有投资人寿保险，现在不是太贵就是体检过不了，那么投资年金也可以利用年金的增值达到传承最大化的效果，有一些年金就是针对这样的族群做遗产传承最大化的设计。

所以几岁的人都适合买年金，针对需求选择不同的年金产品，并且可以搭配人寿保险来做退休规划。 投资年金可以让你活到老，领到老。一辈子都有退休金可以拿。退休计画从年金开始，让你安心享受有品质的退休生活。

#01

市场无视Apple及Amazon营运成长不如预期的负面消息，周五三大指数皆开低走高，标普500上涨0.2%，道琼工业指数上涨0.25%，纳斯达克综合指数上涨0.3%。 Apple下跌1.8%，Amazon下跌2.15%，两者合计占标普500总市值的10%。Apple及Amazon皆反映供应链危机影响其获利，但大部分投资人认为其影响范围有限，且相信顾客愿意接受较高的售价，公司无需吸收提高的成本。

#02

在其他个股的表现方面，Exxon Mobil及Chevron公布的获利数字创下了疫情以来最高的单季获利，股价分别上涨0.2%及0.9%。 Starbucks则因中国地区的营收受疫情影响，股价下跌7.4%。

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