Moreover, unlike with an individual retirement account, you don't need earned income to fund a variable annuity, so you can open an account for a toddler.
此外，不象个人退休帐户，可变年金账户并不需要靠固定收入来维持。所以你甚至可以给婴儿开设这样的账户。
2
Schemes try to build up a capital pot, which is used to buy an income in retirement, for example in the form of an annuity.
退休金计划试图建立一个资产池，用来在退休时获得收益，例如以年金的形式。
3
So annuity schemes are a natural supplement for retirement income.