In 2022, the state will vigorously promote personal pension accounts, and there was no interest at that time, and everyone felt the same, it was useless, and it was not as good as other financial management methods.
Why has it been opened again recently?
Just share your reasons.
1. I bought a pension for my wife a few years ago, but I didn't buy it for myself, but this time my wife made up for me.
2. The family is in the insurance company and has the corresponding personal pension account insurance products.
3. After investment, you don't have to worry about choosing financial products, and you don't have to worry about losing money. If you choose the corresponding wealth management products on the banking platform, you will be responsible for your own profits and losses.
4. After my own calculation, the long-term income is acceptable, at least it will not be lost, and it can ensure that I will have money after retirement, and I will receive it for at least 20 years for as long as I live.
5. This account can at least force me to save some money, at least until I am old, I am sure that I can have some money to spend, and at least I have money for a small drink.
6. In recent years, the investment has been lost, and the income is negative, and I am embarrassed to talk about it.
7. The family income is not high, and there is not much money at your disposal, so you must also do a good job in the planning of family funds.
If the money is misplaced, there will be uncertain risks, losses, and gains, and if it is misplaced, it is equivalent to handing over the money to God and looking at luck.
Well, as a very rational science student, it is necessary to calculate the income, and the following ** is the result of the calculation of the pension insurance I bought (37 years old this year): for reference only.
Note: To calculate the IRR internal rate of return, the cash flow should be calculated simply, according to the total column from 60 years old to 80 years old, the total column = investment (negative) + annual tax rebate + insurance dividend + pension that can be received every year after the age of 60.
Insurance dividends are based on the annual income of the insurance company to determine how much to divide, and the table is only based on the data given in the contract when buying insurance, which should be the average dividend of the insurance company over the years, or they have their own set of dividend algorithms.
Calculated according to the following data:
The IRR benefit in the case of a 10% refund is:325%
The IRR benefit for the 20% refund is:377%
The IRR benefit for the 25% refund case is: 405%
The IRR benefit for the 30% refund is: 437%
The overall long-term income is still acceptable compared with fixed income, commodity base, debt base and large certificates of deposit.
Through data calculation, I finally decided to open a pension account for myself.
Although it has taken a long time, I can also force myself to save money, otherwise, in addition to the mortgage and car loan, there are several things that can allow me to save money.
Sometimes it's okay to be able to save, not to mention value-added and anti-inflation, the important thing is whether I can keep and keep the money in the next few decades, and I have the money for the elderly, which is the most important problem for me to solve.
If you have a better way, please leave me a message, thank you very much.
Finally, through data calculation and analysis, if you want to leave some pension money for yourself, the tax rate is between 10% and 30%, you can consider it, especially 10% and 20%, for a better and happier retirement life in the future, it is also a happy thing to do a mandatory savings.
If it exceeds 30%, the corresponding annual income will be more, and it may be able to bear higher risk and have more ways to invest and manage money.
If my sharing and data calculation are of some use to you, I hope you can share it with more friends.
I wish everyone to become a handsome old man and a beautiful old lady with money to spend in the future.
Personal pensions