澳大利亚认为年金有助于退休人员更有信心地使用其退休金储蓄。 Australia considers annuities to help retirees spend their superannuation savings more confidently.

澳大利亚复杂的4万亿美元的退休金制度正在给退休人员造成压力,他们往往对储蓄支出缺乏信心。 Australia's complicated $4 trillion superannuation system is causing stress for retirees, who often lack confidence in spending their savings. 一份新报告建议政府提供终身年金,以提供有保证的收入,增加退休人员的开支,并减轻财政压力。 A new report recommends the government offer a lifetime annuity to provide guaranteed income, boosting retirees' spending and reducing financial stress. 该计划建议使用超过250 000美元的超级余额的80%购买年金,确保终身收入稳定。 The plan suggests using 80% of super balances above $250,000 to purchase annuities, ensuring a secure income for life. 这可以使退休收入增加25%,帮助退休人员更有信心地享受其黄金岁月。 This could increase retirement income by up to 25%, helping retirees enjoy their golden years more confidently.