Teach You To Make Pension Plans So That Your Retirement Life Is Not Bad.

1. determine the approximate retirement age.

Under normal circumstances, office workers retire at the age of 60, and women may retire at the age of 55. In the fast-paced modern life, retirement has a certain degree of influence on people's psychology, income and living conditions. In particular, the sharp reduction in daily income after retirement has reduced the standard of living and quality of life. Therefore, in order to balance the different life in the two periods before and after retirement, she advised her to make an ideal retirement age according to their financial and physical conditions. Perhaps when you reach the goal of providing for the aged at the age of 50, you may choose to retire in advance, or if you love your career very much, you will be able to work for several more years as long as your physical condition allows.

2. make clear the living expenses required after retirement.

Based on our own economic conditions, we should properly consider and evaluate the life style and quality of life after retirement in the light of family income and expenditure. She advised her financial advice that they should try to maintain a better standard of living, not to lower the quality of life, nor blindly pursue the life of a super standard. Then a realistic personal retirement plan is set up. The plan should be as detailed as possible for retirement life and list the general cost according to each item, so as to estimate the cost of living after retirement. After having a clear understanding of life after retirement, we will reconsider how much pensions we have prepared, and whether these pensions can meet their retirement needs.

3. understand ways to accumulate pensions.

(1) social security pensions insurance: monthly payment by enterprises and individuals to a certain proportion (enterprise pays 10%, personal payment 8%), until after retirement, you can receive a certain amount. Pension 。 Where the actual payment period is over 15 years, the monthly pension is calculated. According to the latest pension calculation method, the retirement pension is composed of two parts: pension = basic pension + personal account pension.

The basic pension is (the average monthly wage of the workers in the whole province in the past year, and the monthly average wage paid by oneself) /2* the payment age *1%

Personal account pension = personal account storage / monthly number of households (50 years old 195, 55 years old 170, 60 years old 139)

(2) enterprise annuity insurance: a fixed sum of money allocated by individuals and enterprises is used to invest in accumulated pension. However, only a small number of enterprise annuity can be enjoyed. According to the latest figures released by the Ministry of human resources and social affairs, enterprises have been established as of the first half of this year. annuity system The total number of enterprises is only 74850, the number of employees is 21 million 694 thousand and 200, and the number of staff involved is very small. In addition, even if the company gives you an enterprise annuity, the specific withdrawal method is also finalized unilaterally by the company, such as the number of years of work and the limitation of withdrawal amount.

(3) commercial insurance: there are many types of commercial endowment insurance. We can choose suitable types according to their actual conditions.

(4) self raised pension: self raised pension is mainly for savings investment, making the limited funds more effective, and can choose the appropriate investment tools in the market (finance, funds, stocks, etc.).

　　 Four Pension investment Should be matched with personal risk ability.

In the choice of investment tools for pension planning, each person will have a variety of asset allocation portfolios depending on the use of funds and risk tolerance. Reasonable matching can be made according to a certain proportion and certain benefits can be obtained. For financial honey, who is highly conservative and needs a sense of security, they can choose low-risk investment tools. For those who have certain risk tolerance, they can invest in high-risk investment tools under the guidance of professional financial planners to meet the high quality of living expenses.