Be seen, for large and medium cities, older couples,UGG boots clearance, the rich want worry-free retirement, pension reserves of about 200 to 250 million. Such a big demand for funds, you will naturally be prepared in advance! So, go where the money raised this?
social security may be one of the objects most people rely on. Most urban residents are now into the social security system, most people in retirement, you can receive per month from the hands of a social pension of their own. But the purpose of social pension insurance only to those who meet the basic food and clothing for retirement living expenses.
look at the current situation, almost to infer the future state. We calculated the previous text, almost a city retiree cost of 34,000 yuan per year (excluding illness factors), can live a relatively comfortable and prosperous life, but even in more developed system of Social Security in Shanghai area, retirees The average monthly pension is only 1,200 yuan, almost exactly one third of the above budget.
objectives of the pension replacement rate (pension replacement rate = average of new retirees pension / average wage income of active employees), only 58.5%, the replacement rate is for all the country's income level and insurance words, for residents of large and medium cities, especially in the higher wage levels for workers in Beijing, Shanghai and Guangzhou residents, the replacement rate will be lower. According to publication of the estimates, the Social Pension Insurance in 2006 after the implementation of reform programs, for the current monthly income of 4,000 yuan for young people, the future pension replacement rate of only about 30%. Moreover, since China's one-child policy and the continuous extension of life expectancy, can be expected that the proportion of the employed population of the total population will continue to decrease, which will lead to future retirement community can provide more financial support for capacity decline. Therefore, the social security pension is only enough to provide a living for retirees, we want to achieve from the
by child support pension costs, improve quality of life of retired parents? This and the next few decades in the future seems impossible. As social values change, coupled with the impact of family planning, the future of a couple may have to take care of the elderly or even four of six elderly people, children, the future will no longer be able to rely on the aged. After retirement, do not worry about the child's home, do not become the child's
comprehensive variety of factors, if you want rich endowment, in the long years of retirement with dignity to maintain a decent quality of life, it seems there are two thirds of the funding gap, the financing of individual effort is still needed. Three Ways to finance the preparation
Since it is a
in the end how to raise funds, we combine the financial experts, both in this idea and presented the three main ways.
an idea is before retirement, you already have a large sum of money sufficient for abundant living expenses after retirement; Another idea is to you each month or a year after retirement, can be a full cash inflows own hands.
follow this preparation ideas, we can find a large amount of pre-retirement pension fund reserves (mainly various types of financial assets), to purchase commercial insurance and investment property held by the three major preparations for the typical pension means friends.
the face of this category means a typical preparation, in the end choose one, each person may wish to combine their actual situation and the characteristics of these three ways, individual selection.
near retirement, it has been through a bank savings, funds, bonds and trust and other financial instruments, reserves the affluent life of two to three decades after retirement, the total cost required, this is a very good idea. But this requires you to start operation at work, and often in young adults during the period of pressure from a variety of living expenses (such as mortgage, education, etc.) and even some of the money out of pension reserve. If your children's education and mortgages, auto loans, heavy pressure, are likely to be several major financial goals in this conflict, such as quality of life for youth and influence, or affect the possibility of pension reserves ahead of schedule. At the same time, this reserve method of determination of their daily requirements of the larger savings.
purchase commercial insurance, such as old-age pension insurance, universal insurance, pay through the young of certain insurance costs each year, until after retirement, receive a monthly pension, which of course is also a good idea. Commercial pension insurance is the biggest characteristic sound can be scheduled to receive. And, if you choose the life insurance, you can Also, if purchasing a number of life-long health care insurance, but also for the diseases of old age expenses to help a hand. However, the current phase of the insurance products also scheduled to lower interest rates, fees and other shortcomings of the higher rate design, which will allow for future commercial insurance rich endowment of the boost power efficiency decreased.
If you invest through a period in young adults or even more sets of real estate, including civilian housing, shops or offices, then the future can enjoy the real estate value-added potential, you can also get some rental income on schedule, we can say is the best of both worlds of policy. However, individual real estate investment on the one hand is the investment threshold is higher, frequently require twenty to thirty million down payment, if you choose the monthly mortgage repayment is not low; the other hand, high prices today on the occasion, If there are involved in the real estate market may be greater risk, years or decades after his retirement, the original purchase of the house although the possibility of greater value, but does not rule out the possibility of devaluation; Furthermore liquidity than real estate poor; If for rent, house management, but also after retirement to spend more effort and cost.
diversified asset allocation means
pension in a comprehensive analysis of the various advantages and disadvantages of financing channels, the hope that everyone can build a concept of asset allocation.
the concept of the so-called asset allocation, mainly to remind everyone of the family assets to the liquidity, safety and profitability well into consideration, to be a more comprehensive arrangement and proportion, not because of a preference type of investment instruments, and increase the process of the future pension may face risks. For example, if too much emphasis on real estate investment retirement, family, lack of liquid assets (savings, funds and other financial assets) configuration, then the event occurred in the course of a large pension expense of emergency (such as sudden accident or illness), lack the hands of use of liquidity, it will be trouble. As another example, if the young adults during the preference of high-yield investment vehicles, most of the assets are all configured in the stocks, funds, etc., never arranged for family protection, due to fluctuations in the value of these tools change too fast, the larger the probability of loss, So close to retirement, perhaps you will find your own pension plan reserves can not smoothly, at this time will sigh if part of the stable source of insurance pension, his pension would not be so passive. Of course, not all configured insurance, liquidity, after all, is not high, there is a certain loss of surrender.
short, in order to successfully achieve in order to conduct high-quality retirement plan pension reserve funds, it is best able to use diverse means to take full advantage of the strengths of a variety of tools, try to avoid using a single tool to help you realize the dream of retiring rich! (Chen Ting Money Weekly)
raise millions of pension (a) Endurance compounding the sooner the better dual role of capital reserves
after retirement in order to drink a steady stream of Oasis, when the prime of life is inseparable from the efforts of reserve.
or around the world, sitting in the landscape, when a return to old age and in the Xu; or junior amused laughter, lives and living, sharing grandchildren; or tea and chat with old friends, chess paintings, all in an extremely beautiful sunset.
accelerated pace of life today, such a rich endowment of life has increasingly become everyone's expectations.
However, such words of life in order to future success is not easy reverie. According to our rough calculation of the foregoing, you want to prop up the rich endowment of life, that needs less time to carry on the funds. After retirement in order to drink a steady stream of Oasis, when the prime of life is inseparable from the efforts of
pension reserve the sooner the better
about pension plans, many people think it is a need to consider before the age of fifty proposition. For young people in their twenties and thirties, the business just beginning to establish small family, and lived the future of their center of life. Only into the fifties, becoming white hair, people will be aware of: Oh, is not doing this for their own retirement plan it?
fact, if you crossed the threshold of the five-year-old, began to focus on their own pension problem, in order to achieve the ideal of the rich endowment, is not so easy. This is because for the five-year-old people who have experienced the peak of a career and want a substantial increase in revenue, has not so easily three to four years of age; and time is running away from retirement, the pension funds in the security considerations, but also allow you to engage in too many high-risk investment, return on investment will not take too high,
and if you are 10 years earlier, 20 years, the pension as an important financial goals to consider, some consciously monthly pension reserves, You have to pay the hard work and efforts will be quite different.
we might as well let the data speak for themselves, take a look at an early pension reserves, our accumulation of wealth will produce what kind of role.
【Case】 Wang has just turned thirty year old, worked for a medium-sized enterprises, his wife and Wang same age, the two of the current family income reached 12,000 yuan in Shanghai, the city is also considered that the And every young couple, they do not want their old lives as dull as their parents. In order to achieve this goal of life, the couple decided to set up a pension reserve fund now. According to their estimates, the two 25 years later, that is their retirement age, at least 1.60 million of capital accumulation.
So, let us help Wang couples to an account balance, to see just how hard to achieve this goal. We assume that the pension reserve Wang couples can get 6% return on capital, then from now on, Wang couples need to be invested each year in the pension reserve fund as 29,162 yuan, after 25 years can reach 1.60 million this goal. Average down, they need to invest money every month less than 2,500 yuan, which for over ten monthly income families, not a difficult task. Moreover, they are still young, there is great future earnings growth potential, even taking into account their children's education and other life goals, 2,500 yuan a month into the pension is entirely achievable.
push back 10 years, however, if the couple from the 40-year-old Wang was going to start a pension reserves, was the result of the different. From 40 to 55-year-old retirement age, the middle 15 years of experience, still in accordance with the investment rate of return of 6% to calculate their pension funds need to be invested each year 68,740 yuan, 5,700 yuan a month, have spent about 55 years ago was able to reach 1.6 million element of the pension goals. But this month, 5,700 yuan investment for Wang couples, may be a bit
from such a simple example, we can see that the establishment of pension reserve the sooner the better. In general, for ordinary income families, over a 30-year-old door, it should begin to consciously pension plan. Thus, by a long-term, stable retirement investment plans, steady, even if your income is not high, without affecting the daily lives under the premise of
investment account set up pension reserves
and overseas The main purpose of, first, a major expense for families, the second is responsible for the education of their children, the three pension funds is taken into account. However, in these families, a very common practice is to place all the assets together, rarely set up a special account to manage their pension reserves.
centralized management of funds, eyebrows and beard grabbed the most prone to abuse is easy to attach importance to the family of short-term goals, like buying a car, buy a house, while ignoring long-term goals such as retirement, unconsciously, the gradual erosion of pension reserves was lost.
a very common example is the child's marriage room. Because high prices, many young people in employment within a period of time after the purchase is still unable to pay the down payment. So a lot of room down payment is marriage by both parents to The parents let their children out of the home are given the needs of the family assets will not hesitate to set aside large sums of money. Thus, the original looks fairly substantial assets in the marriage after the children suffered a
Therefore, in order to truly realize the Our proposal is that, for the accumulation of families has been established, you can set aside a certain share, designated as pension reserves, and the daily accumulation can continue into this account, in order to achieve the purpose of growing pension reserves.
【Case】 As an accountant, Mr. Rowe and his wife on their pension issues very seriously.
No number. reserve. can not move. They will regularly view the account, take a look at the situation of pension funds.
course, as parents, their children's education is also Mr. Rowe and his wife's concerns. End of each year, Mr Lo has a year-end awards are not low, this is the end of the year award toward her daughter's name with a bank account opened. He felt that this sub-account of the ways to effectively deal with
periodic adjustment of investment styles
as long as the pension plan established early, with savings perseverance and realize we are not far away from the rich endowment. However, to get their pension accounts established goals on time, but can not do without our hard work,
you ready to adopt any kind of investment, to make your retirement account to grow up? investment in the current market environment, I believe many people will not hesitate to make a choice - the stock market. Indeed, from the start after last year's bull market, equity investors benefited from the quite good, from which many people have tasted the However, in the pension reserves investment, simply counting on high-risk stock investment products to desirable. After all, the pension reserve charged with the task of living after you retire, if anything happen, and plenty of old-age desire to worrying.
then how to invest your pension reserves it? more reasonable idea is to operate - on the pension reserves investment portfolio, while the retirement age according to their own time, and gradually adjust the mix of high and low risk investment the proportion of venture capital, making the style of the entire portfolio to transition from a positive stable, and in the near retirement pension reserve fund of the investments are mainly conservative.
example, if you start from the 30-year-old pension reserves, then 30 to 40 years old at this stage, the reserves of the investment can properly take risks to win the higher the returns. Like stocks, stock funds, are to participate in a higher proportion of investment products. Crossed the 40-year-old, the proportion of high-risk investments that will drop a drop, you can consider converting assets of more than half of the bonds, or invest in balanced funds. If you have over fifty, you are advised to pension wealth for their own life coming from the front line of active investment retired to the bonds and fixed income funds as a pension of this type of
formal retirement, pension investment we should not be in the hands of Normally at this time, just make sure the pension investments over the inflation rate on it. There is such a phenomenon, an increasing number of elderly people but is more keen on the high-risk investment, Many elderly people on the scene. Many of them are holding their own retirement money, I hope to blog a bull market on record. In fact, such a radical post-retirement investment is not desirable, because for retired people, their ability to create wealth and risk tolerance is low, good health can not withstand the test of market volatility. Investment risk and return is always proportional to, if the investment is negative, then old age and old people's lives have been greatly affected, and even become rich endowment come to nothing.
in the current market, has launched a number of investment products for retirement, when they are making an investment that is in accordance with the investment risk and investment is inversely proportional to the principle of life, the investment style for a smooth gradual transition from the active . Such as HSBC Jintrust the launch of the Through this seemingly mechanical design, you can protect the investment risk as investors age decreased, while the protection of certain benefits, to ensure that the investor's financial goals will not be affected. Some pension funds in overseas in the design of such a principle is applied. For there is not much time to study the investment market for people who choose a similar product, but also a way of nurturing pension reserves. (Yin Juan Financial Weekly)
raise millions of pension (b) when the young cast QianLao solid stability with commercial insurance
distinct characteristics of commercial insurance, with participation in the natural reserve of the long-term pension plan advantages. Moreover, the insurance pension easier to measure the level of return, the insurance is a compulsory saving tool, it assisted with commercial insurance pension and more reliable.
into 20 years. After his retirement at the age of 60 can receive 900 yuan a month pension, the pension increase 5% every three years to ensure that you receive at least two years, and is a lifelong collection type, live longer, receive more, 88 there is a 10 million-year-old New Year gold, while the pension plan also includes a payment guarantee in advance of major diseases and dividends value. I feel just fine.
Five Advantages of commercial insurance pension
time after the purchase is equal to has been concerned about, or do not trust, always afraid of missing something. Insurance is like that, as long as the identified what products to buy, as long as a year after the insurance payment on time, basically you do not need to do something, funds take care of people worry about such things can be handed over to the insurance company to complete, very good very easy way.
turned out she had got the most convenient value of the pension insurance feasible. This is to allow journalists to think of the insurance industry a too high), but overall it is quite stable and reliable; and other varieties of financial endowment is a professional camera could, in theory, to get better photo quality (higher returns), but not a home if the operator technique, photo shoot quality not as good as the camera than a fool.
the amount and payment time, the appointed time to pick up the money to start a monthly basis.
Indeed, if the use of insurance to assist the aged, retired from the insurance company a monthly or annual number of pension received is very clear so that we can assist through pension insurance to the proportion of cases do know very well For example, she had got his expected retirement in addition to the basic social pension, a pension of 2,000 yuan per month in the gap, and now has her own insurance to provide her time to 1,000 yuan per month in return, so long as the other is equal to then about 1,000 yuan of funds raised on it. And other financial variety, difficult to compare accurately predict two decades, three decades after the earnings can not be affirmed, and the exact answer, it is difficult to control by individuals. Of course, the rewards can be relatively fixed plans, the insurance rate of return relative to lower levels.
As pension funds, the basic requirement is to pursue the principal security, moderate income, against inflation, which generally yield a larger capital investment to pursue the principle of differentiated, so the low-risk, income generally, but can be used as auxiliary to insurance One advantage of old-age existence.
Indeed, young adults have a lot of money during the channel for the future if you do not force yourself to do something old-age and pre-prepared, then the money was also spent, old age finally no guarantees. Insurance is precisely the characteristics of a mandatory savings, you must pay on time quantitative insurance, pension arrangements to have more planned. Moreover, since the surrender losses will be relatively large, so people would seriously consider This feature was for the usual propensity to consume, low savings and investment habits of poor people, the particular kind of
the fifth largest endowment advantage. The so-called distance tests a horse, so time reveals a Moreover, the type of pension for life insurance can make people live longer, the more lead can be a partial solution to post-retirement
choose the purchase of fixed-rate old-age insurance
Today, the market for supplementary pension insurance products has been more and more forms, including traditional fixed-rate pension insurance, pension plans and participating universal-type insurance.
choose to buy a fixed rate if it is old-age pension insurance, the best buy in the era of high interest rates, so it will be more
over the last year has paid the premiums. because then the interest rate is much higher than it is now, like 8%, 9% of the way.
many readers may remember, in 1996, China's bank deposit rates as high as 10%, when the pension insurance products, an average of 8.8% per annum, if the insurance was purchased at fixed rates of return rate is very high, the auxiliary pension described as
However, as several central banks cut interest rates later, the intended long-term savings life insurance rates be lowered to 2.5%, no change so far. As a result, fixed-rate old-age pension insurance for a bit Compound accumulated earnings of the insurance is to buy sooner, the lower the premium, higher interest rates scheduled to return to the higher, the better the effectiveness of old-age assistance, so the purchase of traditional fixed-rate savings-type pension insurance, timing is very important, their young, when the interest rate implicit in the higher is the best point of purchase.
period of low interest rates, dividends or optional universal-type
but at least is the continuous development of insurance products, Today, the era of low interest rates, you can choose dividends or universal type of insurance products, as a means of supporting the aged.
participating pension annuity and traditional fixed-rate old-age pension insurance, as there is also security at the end of the scheduled rate, but this rate was slightly lower than the traditional old-age insurance, generally only 1.8% to 2.4%. But the participating insurance at a predetermined interest rate, there are sure to get the dividend interest. The cash dividend is divided into two types of dividends and the sum insured dividends, cash dividends each year can be directly realized, the amount accumulated dividends from the perspective of long-term protection is more effective. These products are suitable for long-term rates rising, particularly sensitive to the inflation of the crowd.
universal life insurance as a long-term financial instruments, the emphasis on accumulation account, and some extraction procedures for convenient and flexible account funds costs are low and, therefore, can be used as the accumulation and use of personal pensions. Investment in this type of product, net of premiums and security costs of some of the initial costs, all the rest into individual accounts, individual accounts are guaranteed some income, usually in the 2% currently 2.5%, and some also with the bank one year linking of periodic interest, declared two years mostly in the 3.25% annual interest rate of 3.6%, the income portion is accumulated compound interest. Variable universal insurance as the insured amount, payment flexibility, and to compare the lack of stability in income for high-income people through the premiums invested from time to time to achieve wealth accumulation.
linked insurance products are the highest in a class of investment risk, of course, with the risks and benefits, is most likely to obtain a higher income category. It is also a means of long-term investment, but no end of income insurance, insurance companies, account management fee is charged, profit and loss by the customer Quanbu own, has been hailed as Investment-linked insurance customers can set up different styles of financial accounts, with a proportion of its funds invested in the risk of different financial products. Strong investment-linked insurance investment, high risks for a strong sense of risk, higher-income small part of the crowd.
appropriate for the pension arrangements for health and medical insurance for life
class of insurance if the pension annuity pension wealth in order to Therefore, in addition select the savings type insurance as a funding gap of wealth to supplement pension arrangements, in order to be able to retire comfortably, should also have to protect the health of the medical class of insurance for life, after retirement in order to resolve the most likely to face serious illness treatment expenses.
present lifelong health care class security products are life-long critical illness insurance, medical benefits for life insurance, life health care account-type insurance, long-term care insurance. Each person according to their own family history, current physical condition to carry out different arrangements.
pension insurance accounts for the gap to three Daowu Cheng
said so much, or want to emphasize one, through the purchase of commercial pension insurance and personal pensions received all pension plans is an important part, it may be, and real estate, funds and other investment vehicles with the use. So in the choice of pension plans should fully consider the level of current income, combined with their daily expenses, expected future life, through the expansion of other factors, make a reasonable choice. Commercial pension insurance experts recommend purchasing additional pension received by all future pension costs account for 20% to 40% is appropriate, it is accounted for in the future personal pension gap of 30% to 50% on the same subject, the annual pension expenditure savings do not exceed the current premium class annual income of 8% to 10% disease protection class premium pension expenditure should not exceed 5% of current annual income.
Table: Comparison of the characteristics of several types of insurance insurance status of the main features of interest rate implicit in the inflation capacity for people to resist traditional fixed annuity, 2% ~ 2.4% of the recipients of factors determine the savings for no good ideas, financial management style conservative, risk-averse poor people can not resist the fixed part of the participating pension insurance 2.4% 1.8%,Discount UGG boots, while dividends are not fixed dividend of uncertainty can be obtained for long-term interest rates rising, particularly on the inflation sensitive people better part of universal life insurance personal accounts of 2.0% ~ 2.5% of the minimum guarantee rate of return, the actual declaration of interest rate at 3.25% ~ 3.6% of the sum insured variable, payment flexibility for a higher income, but often volatile not sure who is better linked insurance accounts with different styles to choose from and the conversion for high income, high expectations of income, the higher risk tolerance can not be determined
(Chen Ting Money Weekly)
raise millions of pension (c) rental value-added things correct the second suite both offensive and defensive
is the core of the second suite of retirement income and value-added real estate space. Rental property can provide you with a steady stream of cash flow to make up pension gap; and the erosion of real estate can be protected against inflation, can be used as old-age protection.
talk about
to Simply put, Old people can put their name in the property mortgaged to the bank, insurance company or other financial institutions, which can get a certain amount of monthly pension, after the death of the elderly and other financial institutions to recover from the housing property. In this way, relying on real estate, the old people can get a stable pension income to make up for lack of pensions. Moreover, revenue at the same time, the old people retain the right to use on the property, they can always live in their own real estate in. Growing in the aging and the elderly live independently most of the Western countries, a reverse mortgage as good as solving the housing problem of a pension ideal way.
However, in the case of our country, and now the implementation of the First, reverse mortgage for the housing requirements of the higher actuarial, financial institutions have not yet launched the product in the data base; the same time, housing, reverse mortgage involves the assessment and prediction value of the property, mortgage management and maintenance of housing, housing up transaction management, it is not a bank or insurance company can be done alone; more important point is that the concept of the family-oriented society, people hoping to own property inheritance to their children rather than to financial institutions.
However,UGG boots cheap, in our rich pension plans to introduce real estate investment, is not impossible. As a long-term store of value, as their wealth through the second suite of relying on old-age, still has great potential.
property pension
is the core of the second suite of retirement income and value-added real estate space. As an investment vehicle, real estate both of these two features in one. In addition to self-occupied property, the can be used for rental, so that investors can derive a steady stream of cash flows. And in the long run, real estate has a strong store of value, especially in the 10 years, 20 years later, housing prices can be adjusted upwards with inflation, you can not protect their wealth eroded by inflation. Limited land resources in some cities, choose a good location there is a good real estate appreciation potential.
It is because of real estate such a Many middle-class people to prepare their own pension in addition, will consider the purchase of a property is used to fend off risks.
The thinking is that, under normal circumstances, the property can be used to rent, stable rental income per month is also after his step aside a pension, after retirement can make up for the original pension income and social gap between. In this way, people who, though retired, but there is no retirement income, work can still maintain a standard of living in high-income and live a decent retirement life, and real estate property can be left as a child.
If the weather the weather, life in the old-age encounter some special circumstances, property can also be realized and gain a large amount of money to ensure their own safety Dunan Guan. Insured can choose according to their own situation. No end of income protection, insurance companies, account management fee is charged, all gains and losses by the client themselves. In addition to After the 70, the fully the possibility of relying on old-age social security payments are not high. Consultancy McKinsey published opinion, the Government pension gap by 2010 will reach 110 billion U.S. dollars, or,UGG shoes, it is recommended to the defined contribution-type model of China into the same by the employer and employee contributions, but the commission designated fund management, Pension fund trustees must provide a qualification certificate, guarantee long-term returns possible. If disease can be achieved when the limited amount of short-term financial leverage, or return. The peak of the general labor savings of 30-year-old to 50 years old, after which the savings rate will decline, reduced household savings after retirement and began to take over the accumulated assets. However, the positive peak of the younger generation of income is becoming global, we do not have the thrifty older generation, there are higher spending requirements. For the United States, even though her high birth rate, have a stable influx of migrants, but before the baby boomers reach retirement age, savings rate has been surprisingly low, can only rely on capital inflows from other countries to cover the regular account deficit. Portfolio: including land and housing, including real estate with long-term resistance to inflation and the possibility to achieve a certain added value, stocks, funds, financial assets, with strong liquidity and high returns possible, gold, crude oil and other physical assets can reduce the risk of the portfolio and against the economic cycle of rotation, the collection of works of art builds character and can have access to the excess returns of more than ... ... In general, the more investment in the quadrant, complementarity, the higher the risk cycle the greater the difference, the more secure assets. Establishment of the investment portfolio is the most difficult time of return and the corresponding requirements, there is no risk of an investment is not included, if established on the return time is too short or too high, it will reduce overall portfolio risk flexibility. Some parents even provide help for the children in turn, even though we were not frugal, spending increases, general liability, but may also own property on the inheritance. If only four ways, urban residents, 49.1% would choose to spend on their children, old and by children; 34.2% of people want their retirement savings; 28.2% choose to participate in social pension insurance; 3.0% of people willing to buy commercial insurance. But in rural areas, the elderly as the first choice to the number of children up to 82.0%. The reality of the urbanization process, which may force it to reverse the current 82.0% of the people's point of view.
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