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A bank or investment account that you own together with another person. Most often people hold accounts jointly with their spouse.
An annuity that pays income to you and your spouse for life. Even if you die, your spouse will continue to get income. To cover the costs of this extra guarantee, the annuity pays less than a life annuity for one person.
A bond with low ratings, often issued by new or less stable companies. The risk is higher that the company will not be able to pay back the people who buy its bonds.