💼 变额年金（扣费后增长）Variable Annuity Calculator
按投资收益率扣除年金的保险费（M&E）、管理费和基金费用后的净收益率复利增长，比较扣费前后的期末价值。仅为示意。本地处理。Grow the account at the investment return minus mortality-and-expense, administrative and fund fees, and compare the ending value with and without fees. Illustration only. Processed locally.
使用说明与常见问题How-to & FAQ
「变额年金（扣费后增长）」是什么？What is the Variable Annuity Calculator tool?
按投资收益率扣除年金的保险费（M&E）、管理费和基金费用后的净收益率复利增长，比较扣费前后的期末价值。仅为示意。本地处理。Grow the account at the investment return minus mortality-and-expense, administrative and fund fees, and compare the ending value with and without fees. Illustration only. Processed locally.
如何使用「变额年金（扣费后增长）」？How do I use the Variable Annuity Calculator tool?
填写初始投入、投资年收益率、年费用合计、每年追加金额和年数，即可比较有费用和无费用时的期末价值。仅为示意。结果会随输入实时更新。Enter the initial investment, investment return, total annual fees, annual addition and years to compare the ending value with and without fees. Illustration only. The result updates as you type.
退保费？Surrender charges?
提前退保常有 5-7 年递减的退保费，本页未计入。Early withdrawals often carry surrender charges for 5-7 years, not included here.
能举个计算实例吗？Can you show a worked example?
例如在「变额年金（扣费后增长）」中填 初始投入 = 100000，投资年收益率 % = 7，年费用合计 % = 2.3，每年追加 = 0，年数 = 20，结果区显示：扣费后期末价值：250,572.63；不扣费期末价值：386,968.45；费用造成的差额：136,395.81；净收益率：4.7%For example, entering Initial investment = 100000, Investment return % = 7, Total annual fees % = 2.3, Annual addition = 0, Years = 20 in the Variable Annuity Calculator gives: Ending value after fees: 250,572.63; Ending value without fees: 386,968.45; Cost of fees: 136,395.81; Net return: 4.7%
哪些输入会被检查？Which inputs are validated?
「变额年金（扣费后增长）」会检查这些输入——「初始投入」：必须填写，须大于 0；「投资年收益率 %」：必须填写；「年费用合计 %」、「每年追加」、「年数」：必须填写，不能为负数；绝对值超过 10¹⁵ 的数也会被拒绝。不符合时结果区显示具体提示，不会给出数字。The Variable Annuity Calculator checks its inputs — "Initial investment": required, must be greater than 0; "Investment return %": required; "Total annual fees %", "Annual addition", "Years": required, cannot be negative; numbers above 10¹⁵ in absolute value are rejected too. When a value fails, the result area names the problem instead of showing a number.
有哪些选项可以调整？What options can I adjust?
「变额年金（扣费后增长）」的设置：「初始投入」默认 100000；「投资年收益率 %」默认 7；「年费用合计 %」默认 2.3；「每年追加」默认 0；「年数」默认 20。每次生成结果都按当前设置处理。Settings in the Variable Annuity Calculator — "Initial investment" default 100000; "Investment return %" default 7; "Total annual fees %" default 2.3; "Annual addition" default 0; "Years" default 20. The result always uses the current settings.
计算结果可以作为最终依据吗？Can I rely on the result?
「变额年金（扣费后增长）」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Variable Annuity Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「变额年金（扣费后增长）」免费吗？需要注册吗？Is the Variable Annuity Calculator free? Do I need an account?
「变额年金（扣费后增长）」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Variable Annuity Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.