這些年金透過有用的稅務處理或退稅機制，直接與稅務結算掛鉤。了解這類年金的具體條款、限制與資格標準是必要的，因為它們會大幅影響個人的有效稅率及整體財務策略。最終，最適合你的年金將取決於你是優先考量即時稅務優惠、長期發展能力，還是彈性。�

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