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In recent years, the state has gradually increased the promotion of traditional pension insurance, providing more solutions to the pension problems of the elderly. In particular, the real rate of return of urban and rural residents' pension insurance exceeds that of many financial products and has become a way of financial management. This article will introduce this high-yield pension insurance and provide a more flexible pension plan.
Pension insurance for urban and rural residents is a kind of welfare provided by the state, although it seems inconspicuous, its real rate of return is very high. Taking the pension insurance for urban and rural residents in Guangdong Province as an example, according to the reference table for calculating the treatment, the three grades of annual payment and 4800 have good income.
The low grade only needs to pay 180 yuan per year, a total of 2,700 yuan for 15 years, and 212 yuan per month after retirement at the age of 6066 yuan, about 2551 per year92 yuan, you can get the money back in more than a year. Of course, the subsidy and basic pension in different places will affect the amount received. For example, the basic pension in Beijing has reached 924 yuan, and in Shanghai it is 1,400 yuan, so even the low-grade monthly income is more than 1,000 yuan. To sum up, high yield has become the biggest advantage of urban and rural residents' pension insurance.
Considering the actual use of pensions, in addition to the rate of return, it is also necessary to consider whether the pension is sufficient. For example, the low-end is only more than 200 yuan per month, which does have a certain impact on the quality of life, while the high-end can reach more than 700 yuan per month, plus personal subsidies, for rural parents can basically cope with living expenses. Therefore, it can be concluded that if the parents have not paid social security before, they can consider paying high-end urban and rural residents' pension insurance, although the yield has decreased, but it is still very attractive compared to other financial products in the market. And considering that there is interest in personal accounts, the basic pension will also grow in the future, and the actual income is still considerable.
In addition to the pension insurance for urban and rural residents, we also provide a more flexible pension plan. The amount of this scheme is not much different from that of high-end pension insurance, but it is more flexible than not. This scheme is a combination of mid-range urban and rural residents' pension insurance and commercial pension insurance. The following is an example of Guangdong Provincial Resident Pension Insurance, comparing the differences between the two purchase methods:
Buying method 1: Buy high-end endowment insurance separately, pay 4,800 yuan per year, a total of 7 for 15 years20,000 yuan, a one-time payment in the last 5 years.
Buying method 2: buy mid-range pension insurance and purchase commercial pension insurance at the same time, mid-range pay 900 yuan per year, a total of 1 for 15 years350,000 yuan, the remaining 5850,000 yuan one-time pension insurance.
Through comparison, there are obvious differences between the two purchase methods in terms of the cumulative amount of benefits received at different ages, the amount of money that can be obtained by surrendering the policy, and the death benefit. Among them, although the amount received by the purchase method 2 is relatively small, it is 1. more before the age of 906-4.A cash value of 80,000 yuan, this money can be used for emergencies or in advance, which is more flexible and superior. In addition, pension insurance also supports the designation of a deceased beneficiary without worrying about being divided as an inheritance. Of course, it should be reminded that there may be changes to the social security pension policy in the future, so the above comparison is for reference only.
To sum up, if you are more optimistic about life expectancy and hope to receive more pensions, it is recommended to buy high-end pension insurance for urban and rural residents. If you want to be more flexible and have an emergency fund, you can consider a combination of mid-range pension insurance and commercial pension insurance. Another advantage of buying commercial pension insurance is that the payment method is very flexible, which can be paid at one time or annually, depending on the individual's budget and needs. In short, it is very important to choose the right pension insurance plan according to your own situation to provide protection for your parents' later life.
Finally, we need to realize that we who are working in other places may have less and less time to spend with our parents back home. In addition to providing them with financial support, we should give them more ** and accompany them more. If this article is helpful to you, please like it and share it with more friends in need. If you have any questions, please feel free to leave a message. At the same time, pay attention to Deep Blue Insurance, and reply to the benefits to get super dry goods such as insurance information for free. Deep Blue Insurance hopes to help everyone understand insurance and purchase insurance that suits them by providing suitable insurance solutions, and will also assist in the whole process of claims.
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