Re: pension payments "bright yellow light", when we are old, can we get a pension? New audio-visual website
the industry has different opinions on this issue.
there are experts optimistic that empty accounts are just a way of keeping accounts, and the increase in pension increases, mainly affected by the economic environment, the minimum wage rise in the near future is also down, and the so-called capital gap has no substantial link.
in addition, he also mentioned an arrangement for the future, the national social security fund, which was established in 2000 to supplement and adjust social security expenditures, such as pension insurance at the peak of the population aging.
it is necessary to point out that the social security fund of the national social security fund and the local government, such as basic pension and basic medical care, is different funds, the sources of funds and the operation and management are different, and the uses are also different. According to its official website, the total assets of the national social security fund were 1 trillion and 900 billion in late 2015. Since the foundation of the fund, the annual average investment yield of the fund was 8.82% and the total investment income reached 790 billion 800 million yuan.
but there are also worried people who have studied pensions, and when 70 and the post - 80 are old, there is not enough pensions to pay for us. It should be ready for a rainy day.
in the case of international experience, there are at least two ways when the pension is not reached, one is to raise the retirement age and the other is to reduce the level of basic old-age security.
these two approaches are not negative measures. According to the survey, some people over 60 years of age are hoping to do more years to get more pension, and to reduce the level of basic old-age security, it can be made up by enterprise annuity and personal commercial pension insurance.
in addition to strengthening the value preservation and storage function of the social security fund, the three pillar pension system of basic endowment insurance, enterprise annuity and commercial insurance is gradually strengthened, and it is also considered as one of the direction of reform.
what kind of prepares can individuals prepare for old age?
to see this problem, the little partner said, "we can only work hard now and save a lot of money before we get old." The man thinks this is the best way! But what if not?
industry personages pointed out that although individuals can not use basic pension, they can guarantee the old and old by buying commercial pension insurance, and the types of pension insurance are generally traditional, red, and all kinds.
in addition, some enterprises have an enterprise annuity system, and enterprises will achieve corresponding value preservation and increase through investment.
for business insurance, the owner (ID:banglicai) may give you a few references. It's just a rough list, because the products of each family are different. If you want to know more about it, you have to go to a bank, insurance company and other financial institutions to consult them.
traditional pension insurance: the traditional pension insurance is the insured and the insurance company by signing a contract, the two sides agreed to get the time to get the pension, agreed to the corresponding amount, generally speaking, the predetermined interest rate is determined, generally in the 2.0%-2.4%. Historically, this predetermined rate of interest is variable, which generally stays at a level comparable to the prevailing interest rate at that time.
selling point: the return is fixed, the risk is low.
disadvantages: it is difficult to resist inflation. If inflation is relatively high, there will be a risk of depreciation in the long run.
bonus pension insurance: the dividend paying pension usually has a predetermined interest rate, but this interest rate is slightly lower than the traditional pension insurance, generally only 1.5%-2.0%. In addition to a fixed minimum return, dividends are awarded annually with uncertain dividends.
advantage: in addition to an agreed minimum return, the income of this part of the fund is also linked to the operating performance of the insurance company. In theory, it can avoid or partly avoid the threat of inflation to the pension, so that the pension is protected and even added value.
disadvantages: dividends have uncertainty, how much and whether the dividend is, it is related to the operating condition of the insurance company, and it may cause the loss due to the poor operating performance of the company.
Universal Life Insurance: the universal life insurance, after deducting part of the initial cost and the guarantee cost, is entered into the personal investment account, which has the bottom income, generally in 1.75%-2.5%, and some are linked to the one year post tax rate of the bank. In addition to meeting the agreed minimum income, there are also uncertain additional benefits.
advantages: the feature of the universal insurance is that there is a bottom - down interest rate, not the top, and the monthly settlement interest rate is published, most of which are 5%-6%. The monthly settlement and the growth of the compound interest can effectively resist the effect of bank interest rate fluctuation and inflation. Disadvantages of
: the amount of insurance is high, the early deduction is high, the investment account capital is small, and the loss of early surrender is large.