Converting capital into an annuity is rarely favored by savers.
This operation leads to the definitive abandonment to an insurer of the savings amassed at the cost of a long effort in order to receive modest monthly incomes.
However, you are guaranteed to receive additional resources for life, which no other mechanism offers you.
1. In what cases can money be made?
The life annuity represents the safest way to obtain regular income from capital, without management concerns.
A solution all the more attractive as we live longer and longer.
According to INSEE, a man aged 65 in 2022 can expect to live another 19.2 years, i.e. until the age of 84.2.
For a woman, it's four years longer.
At age 65, the conversion of a capital of €100,000 makes it possible to receive a simple pension of €282 per month.
But you have to live a long time not to lose money.
If you make regular withdrawals from your capital of €100,000 instead of converting it into an annuity, you can take out €282…
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