At The Age Of 35, He Began Planning His Dream Life &Nbsp.

Probably a lot of people have planned their retirement: Food and clothing, travel around the world,

For most white-collar workers, we need to prepare enough.

Social security is difficult to improve the quality of life

Everyone wants to live comfortably and comfortably after retirement, and the most realistic threshold for everyone is to have enough funds to provide the foundation for retirement.

Social basic endowment insurance is the most basic and the most extensive way of providing for the aged at present. However, most people do not calculate the number of pensions that social security can bring.

According to the current social security policy, the financial planner reckon that a 35 year old white collar worker has a monthly salary of 10 thousand yuan. He pays 25 years, and receives a pension from the social account account for 1250 yuan per month. If the personal account accumulation is 240 thousand yuan, the average life expectancy at retirement is 18 years, that is 216 months, then the monthly income from the personal account is 1110 yuan. The white collar receives a monthly pension of about 2360 yuan.

Obviously, if there is no additional income supplement, this pension can not meet the needs of high-quality retirement life. If we consider the inflation factor, the quality of life will also decline.

Therefore, for most white-collar workers, we must carefully plan for the preparation of adequate pensions.

Financial experts say that in addition to social basic old-age security, we need to provide adequate protection for our elderly life in other ways.

So, which way are you going to prepare for the pension?

Commercial insurance is one of the options for old age.

Financial advisers suggest that commercial pension insurance is an important part of old-age security. The advantage is that it can provide a "defined" pension level in the whole pension fund allocation, ensure long-term and stable cash flow, and help individuals to make long-term savings in the preparation process, so that they can make special funds and avoid a series of personal risks during the payment period.

Data show that in the developed countries, such as the United States and Canada, the commercial pension has accounted for more than 60% of all pension funds.

Financial experts say that commercial pension insurance has been a supplementary role in China and is now playing the leading role.

It is understood that the pension insurance with pension function has become the flagship product of many Business insurance company.

Because the guarantee period and the time limit for dividend payment are longer, besides the security function, it can also resist inflation and share the investment income of the insurance company, which is very suitable for the pension needs.

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The earlier the pension plan starts, the more revenue it will start.

If you want to make your life unaffected by income reduction or higher quality after retirement, you need additional and stable financial supplements, such as savings, investment, insurance, children or outsiders, etc.

By rationally configuring the property structure at all stages of life to achieve the purpose of risk management, it also ensures that the life of the elderly is still alive.

Financial experts believe that in general, any product can be used as a preparatory tool for pension funds if it is profitable and mobile. For example, all kinds of financial products, real estate, antiques, foreign exchange, gold and so on can be used to raise pensions and use the benefits as a weapon against inflation.

In addition, the combination of different age groups, each person's basic financial situation and future expectations are different, suitable for everyone's investment portfolio will be different.

In general, the earlier the pension plan starts, the less money it needs to pay and the least impact on life.

For example, if a person wants to reach the target of 60 years old and 1 million yuan pension, from 22 years old, it will only cost 338 yuan a month. If it is considered at the age of 50, the monthly investment will increase to 5466 yuan. There are many people who need to invest every month or even more, which will greatly affect the quality of life at present and lead to the loss of income.

Financial experts also remind that pension planning is the most taboo and can not be sustained. It is best to set up a mandatory plan for individuals, using 10% to 20% of the monthly income.

No matter how much income, choose what way, every month must have special funds to make pension reserves, we should plan the Pension Reserve and daily expenditure, children education, elderly support and so on, and put the old-age pension into the process of personal income distribution.

Portfolio of different age groups

Families, singles, three families, retirement families

Age 22~30, 30~45, 45~60, 60~90.

Stock 70%50%30%10%

Fixed income 10%30%50%60%

Money market 10%10%15%30%

Other 10%10%5% 0%

Note: others are high risk investment products, such as financial derivatives, company equity and so on.

Comparison of 3 commercial endowment insurance advantages and disadvantages

Insurance type traditional endowment insurance, bonus pension insurance, universal life insurance

Characteristic

Predetermined interest rates are generally 2% to 2.4%.

The time and amount of pensions can be clearly chosen.

In addition to the fixed survival benefits, it is generally (1.5% to 2%), and there are still uncertain dividends obtained every year.

In addition to meeting the agreed minimum income (usually between 1.75% and 2.5%), there is also an uncertain "extra income".

advantage

Returns are fixed and not affected by interest rates.

Earnings are linked to the operating performance of insurance companies, to a certain extent, to avoid the impact of inflation.

The monthly interest rate for clearing accounts is currently 5% to 6%. Monthly settlement and compound interest growth can effectively resist interest rate fluctuations and inflation, and the accounts are pparent and flexible.

Inferiority

It is difficult to resist inflation.

Dividends are uncertain because of the company's operating performance.

Access flexibility is both an advantage and a disadvantage.

Suitable for crowd

More conservative, older investors.

Investors with weak risk tolerance and impulsive consumption.

More rational, adhere to long-term investment, self-control ability of investors.