Deferred annuity: From the nth year in ordinary annuity, compound interest can be used in previous years, or it can be different.
Annuity in advance: Received or paid at the beginning of each year.
Question 2: What are the specific forms of annuity in daily life? Q: Among the following items, the project in the form of ordinary annuity is ().
A. lump-sum savings deposit amount.
B. Regular fixed-term pension
C. Annual capital recovery
D. Sinking fund
Self-study 365 online school analysis answer: BCD. Annuity refers to a series of equal payments, and lump-sum savings deposit is a one-time payment, not an annuity; Pensions paid at regular fixed rates, annual capital recovery (annuities calculated at known present value) and sinking funds (annuities calculated at known final value) all belong to the ordinary annuity form.
Question 3: What are the forms of income and expenditure in daily life? Rente (German) refers to a series of regular or irregular cash inflows or outflows. Such as installment credit purchase, installment loan repayment, pension payment, rent payment, depreciation extraction, etc. All belong to the form of annuity payment. Participating in the annuity plan is a good investment arrangement, and the financial institutions that provide annuity contracts are generally insurance companies and government bonds. The final value of an annuity includes the sum of the principal deposited every year and the interest generated by the principal deposited every year. However, the interest generated by these principal deposits varies with time. Annuity originated in a country with relatively developed free market economy, and it is a kind of employee welfare plan voluntarily established by enterprise employers. Namely the pension provided by the enterprise pension plan.
Question 4: Try to talk about the concept of annuity, including what kinds of annuities refer to the receipt and payment of equal amount in a certain period of time. Depreciation, interest, rent, insurance, etc. Usually in the form of an annuity. Annuities can be divided into: ① ordinary annuity (also called post-paid annuity) refers to the payment and collection of equal annuities at the end of each period, which is the most common in real economic life, so it is called ordinary annuity; (2) annuity in advance refers to a series of equal payments at the beginning of each period; (3) Deferred annuity refers to a series of receipts and payments with the same amount in subsequent periods without receipts and payments in previous periods; (4) Permanent annuity refers to an annuity paid indefinitely.
Question 5: What are the types of annuities? Enterprise annuities are divided into different types, which can be divided into: (1) according to the benefit calculation and payment methods, enterprise annuities are divided into two types: payment determination and treatment determination. 1. Defined contribution enterprise annuity. Through the establishment of personal accounts, enterprises and employees pay insurance premiums regularly according to a certain proportion (in which employees pay less or not), and the level of enterprise annuity when employees retire depends on the scale of capital accumulation and its investment income. Its basic characteristics are: (1) simplicity and high transparency; (2) The payment level can be appropriately adjusted according to the economic situation of the enterprise; (three) the insurance premiums paid by enterprises and employees are tax-free, and their investment income is tax-free; (4) Employees bear the relevant investment risks, and enterprises do not bear the obligation to pay insurance benefits other than regular payment in principle. 2. Defined enterprise annuity. The basic characteristics are: (1) By determining a certain income replacement rate, employees are guaranteed to obtain a stable enterprise annuity; (2) The scale and level of fund accumulation are adjusted with the increase of wages; (3) Enterprises are bearing the wave of benefits of enterprise annuity brought by unpredictable social and economic changes. (2) According to the degree of legal norms, enterprise annuities can be divided into voluntary and compulsory categories. 1. Voluntary enterprise annuity. Represented by the United States and Japan, the state formulates basic rules and policies through legislation, and enterprises voluntarily participate; Once an enterprise decides to implement supplementary insurance, it must operate according to the established rules; The specific implementation plan, treatment level and fund model shall be formulated or selected by the enterprise; Employees can pay or not. 2. Compulsory enterprise annuity. Represented by Australia and France, all employers must insure their employees through national legislation and law enforcement; The level of treatment, fund model and financing method are completely stipulated by the state.
Question 6: What are the classification methods of annuity insurance? Annuity insurance usually has six classification methods: first, according to the characteristics of insurance, second, according to the payment method, third, according to the payment start time, fourth, according to the insured, fifth, according to the payment method, and sixth, according to the payment amount.
Question 7: The characteristics of annuities include which enterprise annuities have the following main characteristics: (1) Established by enterprises. (2) There are various ways to deal with it: first, large enterprises do it themselves; Second, regional or national associations established by a number of enterprises or industry management agencies are handled by foundations; Third, it is handled by an intermediary; Fourth, it is handled by financial institutions including various banks, fund management companies, securities companies and life insurance companies. (3) The state gives certain preferential tax policies: enterprise annuity payment and fund investment can be tax-free. For example, the "the State Council Pilot Program on Improving the Urban Social Security System" stipulates: "Enterprise annuities shall be managed in a market-oriented manner, and personal accounts with safe accumulation shall be established. The part of the enterprise annuity paid by the enterprise within 4% of the total salary can be charged from the cost. " (4) Market-oriented investment and operation of enterprise annuity funds; (5) *** is not directly responsible for the establishment and management of annuities, and its main function is strict supervision.
Question 8: Among the following items, there are () lump-sum deposits and withdrawals. Lump sum deposit and withdrawal is a form of savings, not an annuity.
Question 9: How many forms of annuity are there? Ordinary annuity: At the end of each year, you will receive a bluff or pay the same amount of money.
Deferred annuity: From the nth year in ordinary annuity, compound interest can be used in previous years, or it can be different.
Annuity in advance: Received or paid at the beginning of each year.
Question 10: What are the specific forms of annuity in daily life? Q: Among the following items, the project in the form of ordinary annuity is ().
A. lump-sum savings deposit amount.
B. Regular fixed-term pension
C. Annual capital recovery
D. Sinking fund
Self-study 365 online school analysis answer: BCD. Annuity refers to a series of equal payments, and lump-sum savings deposit is a one-time payment, not an annuity; Pensions paid at regular fixed rates, annual capital recovery (annuities calculated at known present value) and sinking funds (annuities calculated at known final value) all belong to the ordinary annuity form.