Delaying retirement is already on the table. In the future, our retirement age will increase to 65 for both men and women. Have you ever thought that we are 60 years old and still competitive in the job market? If not, what will we survive on?
Similarly, 年金計劃 the money must be set aside for a child's education, marriage, and a caravan. When we are 60 years old, we do not earn as much money as we did when we were young, how can we prepare our children for earning big money?
In fact, whether to their own can be in advance for planning and development of old age, or to the child reserve education wedding gold, our country should start from the present China, in the ability to make money, adhere to the enterprise asset resource allocation. Planning and designing the future life in advance. Instead of the problem appeared after different needs or crisis, caught off guard, helpless.
The two most important modules of asset allocation are high-yield risky investments and stable income capital preservation accounts. If you are saving for early retirement or planning for your children, check out this video and you will be rewarded. Today we're discussing a lesser-known type of capital preservation account among financial instruments: annuities! Trade your spare cash today for a fixed income tomorrow!
Before we get to the dry stuff, it's important to emphasize that not all financial insurance is good. In order to get more income, most of the financial insurance on the market, such as mutual benefit, dividend, open door, seem to have a high interest rate, but the actual return is not as good as bank finance. So when we configure the insurance, we must be clear about the terms of the purchase contract and choose an excellent annuity insurance.
Three major features of 延期年金
What are the three distinguishing features of quality annuity insurance?
1. Its first function is mandatory savings.
My own first annuity insurance was 20,000 for 10 years. At that time, the main part of the reason for saving is that students think that we save 20,000 a year on the quality of life environment issues did not get what can affect, but for this money but can make my retiree standard of living upgrade as a product grade. This year, in order to buy a house, I will bank to deposit all withdrawn, funds, stocks are all sold. But the money I have in my annuity policy hasn't moved a penny.
Prior to this, I thought that investing in funds, making zero deposits in the bank and withdrawing money from the bank was a good way to save. But after this purchase, I think the real impulse to save is the act of keeping savings with some discipline, which won't be easy to spend. Funds and bank accounts are very flexible and you can use them whenever you want.
But annuities, forcing yourself to save a sum of money each year doesn't have much of an impact on quality of life because the contract states that it won't be used passively for current spending needs, but over time, with compound interest, it's a sizable amount of savings. In the future，人壽保險 it can be used for special purposes. This policy is our ATM.
2. What about the second function of annuity insurance is capital preservation and income protection, risk-free income is still very good.
First of all, annuity insurance is 100% safe. From a legal point of view, annuity insurance is even safer than bank deposits.
Because we according to China's bank deposit management regulations, article 5, commercial development of bank deposits is the implementation of limit repayment. The maximum reimbursement is 500,000 dollars, and teachers are to be reimbursed from the liquidation of the People's Bank of China for the portion that exceeds this limit.
The relevant provision stipulates that if an insurance company is revoked or goes bankrupt, the life insurance contract will be taken over by another insurance company and the policy benefits will not be affected. In other words, even if the most extreme scenario occurs and the insurance company we acquired goes out of business, the annuity contract continues as usual because there will be an insurance company to take over and we will still get the agreed funds.
Secondly, the return on the annuity insurance is certain. How much we get when we surrender the policy and how much we get when we are alive when we carry out our monthly student payments each year is a great need for clarity and there is no ruse. Each own earnings written in black and white into the contract, will not change, can not be adjusted in time.
So the unique advantages of annuities in terms of security has become a good choice for defense assets can not be beat. In the face of uncertainties and the future, only the 100% certainty of the annuity can give us the greatest sense of security.
3. The third function of annuity insurance is to lock in long-term interest rates.
It is the only financial management tool in China that is currently not available in China by locking in a lifetime rate of return. More than 20 years ago, when bank lending rates exceeded 10%, the yield on annuity insurance was 8.8%. Now, the interest rate market for bank deposits has learned to be less than 3%, but that annuity insurance is still rolling in interest at 8.8%.
Function Summary
Forced savings, guaranteed safety of principal and interest, and locking in long-term interest rates are three unique features of annuity insurance. However, one of its drawbacks seems to be that it can help us achieve specific goals such as asset security, segregation and inheritance, protection against capital misuse, and longevity risk.
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