母親節父親節又就黎到啦！作為仔女嘅你，有無諗過買份年金計劃俾父母呢？年金係一種長期嘅保險產品，可以分為「即期年金」同「延期年金」兩種。

即期年金：一筆過供款之後，隨即每個月領取年金收入，直到100歲或者終身。即期年金一般比較適合退休人士，獲取長期穩定年金收入。

延期年金：有累積期，可以一筆過或分期繳付保費，過一段時期之後(例如退休)先開始領取年金收入直到100歲或者終身。哩種年金比較適合在職人士，讓投保人後生嘅時候以分期儲蓄方式累積資金。而合資格嘅延期年金產品保費仲有稅務扣除。不過要留意翻，延期年金產品要符合保監局發出嘅指引，有關嘅保費先可以扣稅呀。

What is the difference between the immediate annuity and deferred annuity?

Mother's Day and Father's day are around the corner! Have you ever considered purchasing annuities for them? An annuity is a long-term insurance product, which comprises immediate annuity and deferred annuity.

Immediate annuity: after you pay a lump-sum of cash for the insurance company, you will receive a guaranteed monthly income for the rest of your life or until 100-year old. In general, the immediate annuity is more suitable for retirees because it creates a lifelong monthly income.

Deferred annuity: deferred annuity has an accumulation phase, during which you can pay in lump-sum or in instalments. After you hit a certain age(for example, retirement age), you can start getting the annuity income until the end of your life. Deferred annuity is very suitable for working adults as the insured is able to accumulate funds by installment savings. In addition, qualified deferred annuity enjoys tax deduction. While it should be noted that the deferred annuity should comply with the guidelines issued by the Insurance Authority, and only the relevant premiums enjoy deduction.

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