How to choose a pension? How to buy an annuity

How to choose a pension? Mainly look at the following three points: annuity insurance product information.

1. The principle of guarantee combination.

In a certain sense, pension insurance can only provide long-term and continuous protection for the economic gap in the life of the elderly, and it is difficult to cope with sudden and large expenditure needs. In the elderly stage, it is more likely to have larger expenses due to accidents, diseases and other problems. Therefore, when participating in pension insurance, we must pay attention to whether basic insurance such as accident and medical insurance are configured to form a protection portfolio in order to more fully cover risks.

2. The principle of comprehensive comparison.

The time span from payment to receipt of pension insurance is very long-term, even lifelong. Therefore, it is necessary to be cautious when making a choice, taking into account the needs and financial situation of the family, and in particular, it is necessary to avoid being unable to afford the premium due to financial reasons during the payment period, and turning it from a guarantee to a burden.

3. The principle of early planning.

There are many people who wait until they are close to retirement to find that they are not adequately protected. Annuity insurance is related to the length of the payment period and the age at which the payment begins, and if you buy it later, the payment period is short and the cost you need to spend is relatively higher, which will bring a greater burden to your life. Therefore, it is more appropriate to plan early and participate as early as possible.

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If the long-term inflation rate is assumed to be 4%, if you retire at the age of 65 at the age of 30 and want to achieve the same purchasing power, 1,000 yuan now = 3,946 yuan in 35 years, nearly 4 times the relationship.

Considering consumption upgrades, such as enjoying good pension services and medical resources, I think the current pension of 8,000 yuan should be regarded as the bottom line, that is, after 35 years, the insurance premium of 10,000 months will be reached.

The insurance period is a fixed pension, the recommended period is at least 20 years, considering the progress of medical standards, many people start to retire at the age of 65, and it is not difficult to live to the age of 85.

If you have a friend with longevity genes in your family, you can consider taking out a lifetime annuity, after all, the longer you live, the more money the insurance company will return, and the more cost-effective it is to pay the same premium compared with others.

How to choose a pension:

1. The principle of combination

In a certain sense, annuity insurance is only a part of the economic income in the life of the elderly, but because the elderly are prone to large medical expenditures, and annuity insurance cannot guarantee the feasibility of these large expenses.

Therefore, when buying annuity insurance, you must match some accident and medical insurance to truly resist risks.

2. The principle of comprehensive comparison.

Annuity insurance lasts for decades, and if inflation rises, the value of the pension received in the future will depreciate.

According to the introduction of Yi Pension, most of the annuity products on the market are fixed payment type, that is, the annual amount that can be received in the future has been determined at the time of insurance.

3. The principle of early purchase

Nowadays, many people wait until they are close to retirement age to start thinking about buying insurance, but because the premium is directly proportional to the insurance age, it will cost a considerable amount of money to buy it at that time, which will bring a large burden to life. The sooner you buy, the less burdensome you have.

1. Combination insurance: When buying an old-age pension, it is necessary to match accident and serious illness insurance in order to resist certain risks while ensuring the pension. 2. Buy as early as possible

Pension insurance should be bought as soon as possible, and all insurance should actually be bought as soon as possible. For young people around the age of 20, if they buy a pension insurance, they will receive more money in the future, but at the same time, they can resist certain risks with certain accident, medical and serious illness insurance. 3. Rolling insurance for endowment insurance and comprehensive insurance:

Pension insurance is received every year, and the two full insurance is received every other year, so it is necessary to grasp the combination of interval pension and two comprehensive insurance.

1. Conditions for receiving personal pensions:

1. Have reached the statutory retirement age and have gone through the retirement procedures;

2. The units and individuals to which they belong participate in the endowment insurance in accordance with the law and fulfill the obligation to pay the endowment insurance;

3. Individual payment for at least 15 years (the payment period within the transition period includes the deemed payment period). At present, the statutory retirement age for enterprise employees in China is: 60 years old for male employees; 55 years old female employee engaged in management and scientific research; Female workers engaged in production and work-related support work are 50 years old.

2. Materials required for receiving personal pensions:

1. One original and one copy of resident ID card;

2. My household registration;

3. My personnel file;

4. Register**.

Legal basisSocial Insurance Law of the People's Republic of China Article 58 An employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If a student fails to register for social insurance, the social insurance agency shall verify the social insurance premiums that he or she should pay. Individually-owned businesses without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons shall apply to the social insurance agency for social insurance registration.

The State shall establish a nationwide unified personal social security number. An individual's social security number is a citizenship number.

A personal pension is a long-term investment for those who have a stable income and the ability to save. The following groups of people can consider investing in personal pensions:

Self-employed: Self-employed people do not have pension benefits provided by the company, so they need to plan their own pension plan. A personal pension can help them achieve this.

Small and micro business owners: Small and micro business owners usually do not have special pension security, and they also need to carry out their own pension planning. By purchasing a personal pension, you can provide better pension security for yourself and your employees.

People who are about to retire or have returned to retirement: These people can use personal pensions to increase their retirement income and improve their quality of life.

Although the personal pension system has just been implemented, its future potential is huge. However, in order to allow more people to buy and invest in personal pensions, it is necessary to strengthen publicity and promotion with relevant departments, and at the same time, it is also necessary to improve supervision and system construction to improve investor confidence and participation.

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How to buy a pension:

1. Combination insurance: When purchasing pensions, it is necessary to be equipped with accident and serious illness insurance to ensure pensions and resist certain risks.

2.Buy as soon as possible: Buy endowment insurance as soon as possible, and practically all insurance should be purchased as soon as possible.

For young people around the age of 20, if they are insured by pension insurance, they will get more pension age group in the future, but at the same time, they can resist a certain risk of blindness, and cooperate with certain accident, medical and serious illness insurance.

3.Endowment Insurance and Rolling Insurance: Endowment Insurance is paid annually, and Endowment Insurance is paid every other year.

Therefore, it is necessary to grasp the combination of interval pension and comprehensive insurance. For example, you can receive a comprehensive insurance every five years, pay insurance every other year, the first insurance can receive survival payment four times in a row to the fifth year, and the second insurance can be paid when due, etc.

4.Insurance for the next generation: It means to give insurance to the next generation, young, survival payment is relatively high, you can use this survival ** as a pension payment, saving money can give yourself insurance accidents and medical treatment, in order to resist risks.

5.Comprehensive comparison: Pension insurance spans a long time, up to several decades. Due to the impact of inflation, the value of the annuity will depreciate in the future. At present, most annuity products are a fixed beam payment type, that is, the amount of annuity that can be obtained each year in the future has been determined at the time of application.

6.Installments: Pension insurance is paid in installments, and the younger the insurance age, the lower the premium paid in each installment.

<> personal pension is a supplementary pension security system, which is suitable for people who have a stable job, have paid contributions for a certain number of years or already have a high income before retirement. Here are some people who are suitable to invest in personal pensions:

Middle-aged and elderly people over 60 years old: This group of people is usually already working in enterprises or government agencies or institutions or paying social security, with a high income and stable employment. They may need basic pension security, but they also need further investment to improve their standard of living in retirement.

People who already have a higher income: This group of people usually has a higher income and a stable job, and may need further investment to improve their standard of living in retirement.

People who do not have high requirements for liquidity: For this kind of people, personal pensions are managed in a closed manner, and they cannot be taken out at will.

It should be noted that personal pension is a supplementary pension security system, which cannot replace the traditional pension insurance. Investing in personal pensions requires caution, and it is recommended to make rational decisions based on their own circumstances on the basis of fully understanding the risks and benefits of the product. At the same time, it is also necessary to pay attention to risk control and not to invest too much money in personal pension pension, so as not to affect other pension security.

1. Nursing homes and nursing homes.

Speaking in reality, the nursing home I went to a few days ago, according to the situation, is basically a childless person. It is for this reason that fewer people go to nursing homes.

The advantage of nursing homes and nursing homes is that there are more old men and old women, chatting, playing chess, playing cards, etc., and life and entertainment are still relatively rich.

Of course, the disadvantages cannot be ignored, there are various regulations and restrictions, especially when there is a problem with personal self-care ability.

From my personal point of view, if the conditions of the nursing home or nursing home are better, the unit is more responsible, and the medical care and other conditions are good, I will still choose to go to the nursing home.

In the early stage, when there is a certain amount of self-care ability, but it is not high, when the individual has problems at home, you can go to a nursing home or nursing home to pass the time.

Especially when there is a problem with self-care and I can't take care of myself? I also don't want to cause trouble for my children, after all, they also have their own families and careers, and they can't take care of themselves for a long time.

In case the children are in the field, they return to this reincarnation at home alone, and think about how terrible it is that he has been discovered!

Perhaps nursing homes and nursing homes would be good options.

2. Living in your own home for the elderly.

Home care is the best choice for the elderly in the city, try to take care of themselves as much as possible, and do not trouble others.

When you are older, you can hire a nanny to take care of yourself, and the general nanny fee is also affordable, but the nanny's character must be well checked.

In fact, from the heart, it is better for children to be around, and they will have a certain sense of satisfaction in their hearts.

In fact, it is not realistic, when we are seventy or eighty, our children are also forty or fifty years old, they also have to work, and they also have to take care of their grandchildren, and the pressure is also very high.

Of course, if you have the ability, choosing home care is the most comfortable and free way to care for the elderly.

3. Elderly care for the elderly at home for children.

It is relatively rare for children to live in the city, but there are also some people, the elderly and their children live together, but it is easy to have conflicts after a long time, especially after getting old. It is not recommended to live in a home for the elderly.

It is common for children living in rural areas to care for the elderly, or to care for the elderly next door to their children, and it is also the most chosen way for the elderly in rural areas.

I worked hard to raise my children Mori Zhixin, and they have the obligation to support them.

Fourth, special pension.

There will always be some strange ways to provide for the elderly in various places, such as "group pension".

It has been reported before that some elderly people take care of each other, rely on each other, and share their voluntariness under the principle of equality and voluntariness.

Qingdao, a city with little temperature difference throughout the year, is only from the point of view of temperature. Because it's too hot for people to stand it. It's too cold to stand either.

If the temperature difference is large, it is easy to cause diseases. So choose a retirement city. The temperature difference between the four seasons of the year is not large, so it is more suitable.

Another one is the city. There should be a relatively large or better hospital. Because of the elderly.

As we age, many diseases appear. If you choose a retirement city that does not have a decent tertiary hospital. Or it's far away from the hospital.

This is not an option. Because once the disease occurs. Failure to save the bird in time could lead to death.

There are a lot of people in our Northeast. Go to some small places in Hainan to retire. The result is in the process of providing for the elderly.

Illness occurred. Because it is far away from Sanya. Lack of timely treatment.

Many people can say that they died prematurely. Therefore, the choice of a city for the elderly cannot always be a year of limbs, and the season is like spring. There are also good public service facilities.

Especially to have one. Relatively high-level hospitals. That's where public transport comes in.

Many people choose a small fishing village in the south for retirement. Travel is particularly inconvenient. Once there is something wrong.

It's harder to get out. Again, it takes a long time for the ambulance to arrive. None of these are very good options.