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Welcome to Phoenix Master Financial. I started to code this vdafa.com site after navigating through financial storms of stock market crash and real estate bubble burst. I got inspired by some achievements to gain more knowledge in investment and to look for things beyond.

Planning ahead may not guarantee a success but will definitely increase the chance of success, especially in generating retirement income. Many professionals, including a Fidelity article and a Charles Schwab webpage as shown below, recommend annuity as an important component in smart retirement income strategies.

福寿康宁是人性所向往和努力的目标,稳固的财务计划是达到这些目标的指南。退休收入之一的年金(annuity)能提供有保障的终身收入(guaranteed lifetime income),但收入的多少是有很大差别的,因为年金的增值可以是固定的(fixed),可能是与股市相关联的(indexed or variable),也可能是将固定的部分和与股市指数相关的部分相结合的(stacked)。如果一个在亚里桑那州的60岁人投入10万美元买固定型的年金以换取终身退休金收入,下表是我筛选出的几家近期内支付最高年收入的公司,并按10年后70岁时的年收入由高至低排列。如果想在70岁之前领取终身收入,表中的数据会不同。不同年龄的人购买的年金的年收入情况,要用软件另行计算,请联系咨询

华尔街 纽约股市交易中心。Manhattan,2019
SITE NOTICE: PhoenixMasterFinancial.com is re-directed to this site. "dafa" is the spelling of Chinese word "大发", meaning grand prosperity.
With a loss of 20%, one needs a gain of 25% to recover.
With a loss of 50%, one needs a gain of 100% to recover.

 - pure math
Phoenix Master Financial LLC
4025 W. Chandler Blvd, Suite 3
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