问一道题：NO.PZ2018091705000087

问题如下：

Nanta and Olivia are considering purchase an annuity product and therefore they asks investment manager for recommendations. Nanta tells their investment manager that they would like the annuity payout starting from age 50 for as long as both of them are alive, and offer a diversified menu of potential investment options. Based on the Nanta’ preferences, which type of annuity should their investment manager recommend?

选项：

Deferred fixed

Deferred variable

Immediate variable

解释：

B is correct.

考点: Annuity

解析： Nanta想要一种具有递延支付(从50岁开始)、并且能够投资于多种证券组合的年金。Deferred variable年金完全满足他的需求，不仅提供多种潜在投资选择，而且与Immediate variable年金相比，支付时间具有更多的灵活性。而fixed年金则是在年金购买时就锁定了回报率，非常类似债券型投资组合。