보험사가 먼저 말해주지 않는 어뉴이티(Annuity)의 함정 — 은퇴 소득의 ‘안전판’이 왜 족쇄가 될 수 있을까? (Updated: Jan 2026)
어뉴이티를 ‘안전한 은퇴 소득’으로만 믿기 전에, 해약기간·Income Base 착시·비용·세금(Ordinary Income/LIFO/59.5세 페널티)까지 EA 실무 관점으로 체크해야 할 함정을 정리합니다.
What Annuity Sales Pitches Often Leave Out — Why a “Guaranteed” Retirement Income Can Still Create Constraints (Updated: Jan 2026)
A tax-focused overview of annuity features often overlooked in retirement planning — including liquidity limits, income base misconceptions, layered fees, and real-world tax treatment.
“Is an Annuity an Investment — or a Retirement Paycheck?” — 2025–2026 Tax Rules, Structure & Decision Checklist
Annuities aren’t just investments. Learn how annuities work, how they’re taxed, and when they function as retirement income.