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In recent years, with the increasing prominence of the aging population, the issue of retirement has become the focus of social attention. In our country, after retirement, you can enjoy the pension treatment in the system, and you can receive an amount of seven or eight thousand yuan per month. However, it is worrying that some people's parents do not have pension protection, and they can only rely on their own efforts to live and work until old age. In the face of such a situation, how should we do our best to ensure that our parents can enjoy their old age and no longer worry about making a living?
Here, I will introduce a kind of endowment insurance, which has a yield of up to 20%, and the principal can be paid for one year, and the actual income is very considerable. This endowment insurance is the endowment insurance for urban and rural residents, which is a benefit provided by the state, although it seems inconspicuous, but its actual benefits are very considerable. Taking the pension insurance for urban and rural residents in Guangdong Province as an example, the following is a reference for the calculation of benefits**. We have circled three different levels of annual payment. It can be seen that in the three grades of low, medium and high, assuming that an old man pays 180 yuan per year, after 15 years of payment, a total of 2,700 yuan, and after he retires at the age of 60, he can receive 212 yuan per monthA pension of 66 yuan can receive 2551 per year92 yuan. It can be said that in more than a year, this old man will be able to pay his own pension insurance fees. It should be reminded that under the same payment conditions, the amount of pension that can be received in different regions will also be different, which is related to local subsidies and basic pensions. In some places, there are more subsidies and higher basic pensions, so the amount that can be received will increase accordingly. For example, at present, the basic pension in Beijing is 924 yuan, and in Shanghai it is 1,400 yuan, even according to the low-grade payment standard, the elderly in these places can receive a pension of thousands of yuan per month, while the basic pension in other places is only between 100 and 200 yuan. So, which grade is more cost-effective?
Taking 15 years of payment at the age of 45 as an example, we compared the yield of the three grades of low, medium and high, and the results are shown in the table below:
As you can see from the table, at the age of 80, the yield is close to 20% in the low range, and 10 in the middle range4%, high-grade is 54%, the yield of all three grades is quite impressive. However, when choosing endowment insurance, we should not only consider the level of yield, but also pay attention to the actual use of pensions. The monthly pension received under the low grade is only more than 200 yuan, which is indeed a bit stretched, and the high-end can receive more than 700 yuan per month, and we subsidize a few hundred yuan ourselves.
To sum up, if your parents have not paid social security before, you can consider paying high-end resident pension insurance. Although the yield is lower than other grades, it is still very attractive compared to other financial products in the market. In addition, considering that there will be an increase in interest on personal accounts, and the basic pension will also increase in the future, the actual income is still considerable. In addition to high returns, resident pension insurance also has the advantage that most of them support one-time supplementary payment. In this way, when parents reach retirement age, they do not have to worry about not being able to enjoy pension benefits. For example, when a person reaches the age of 60, he can pay 15 years of premiums at a time, and then he can receive a monthly pension, which is very intimate.
In addition to paying high-end resident pension insurance, I would also like to introduce another method, which can obtain a rate of return comparable to that of high-end resident pension insurance, but more flexible, and you can also take out a sum of money for emergency at any time after receiving the pension. This method is to purchase commercial pension insurance. Let's take a look at the specifics.
As mentioned above, the yield of high-end resident pension insurance is relatively low. If we buy a mid-range resident pension insurance with a higher yield, and then use the rest of the money to buy commercial pension insurance, what kind of effect will it have?
Taking the pension insurance of Guangdong residents as an example, suppose a 50-year-old woman pays a total of 720,000 yuan, the following is a comparison of the two purchase methods:
Purchase method 1: Purchase high-end resident pension insurance separately, pay 4,800 yuan per year, and pay a total of 7 for 15 years20,000 yuan, which can be paid in a lump sum in the last 5 years;
Purchase method 2: purchase mid-range resident pension insurance and pension insurance, mid-range annual payment of 900 yuan, 15 years total of 1350,000 yuan, the remaining 5850,000 yuan one-time ** pension insurance.
We compared the cumulative amount of pensions received at different ages, the amount of money that can be received by surrendering the policy, and the amount of death benefits received by the two purchase methods, and the results are shown in the table below, focusing on the gap in the last column:
As can be seen from the table, the amount of less received per year is about 600 yuan compared with purchase method 1, and the cumulative amount of pension received by the age of 90 will be reduced by about 120,000 yuan. However, the advantage of buying option 2 is that you can take out 5 before the age of 90850,000 yuan for emergency use, which is a very big advantage for the purchase of commercial pension insurance. In addition, the purchase method 2 can also enjoy the payment amount of commercial pension insurance, which can leave a guarantee for the family in the event of accidental death.
To sum up, the purchase of high-end resident pension insurance and the purchase of pension insurance is a relatively flexible retirement pension plan. Although it is slightly deficient in receiving pensions, it can take out a sum of money in advance before retirement and enjoy the compensation of commercial pension insurance.
First of all, it is necessary to choose a formal insurance company or financial institution to ensure that the products purchased are legal and compliant, and the risks are controllable. Secondly, it is necessary to understand the specific details of the product, such as the insurance period, payment period, and premium amount, and do not blindly apply for insurance. Thirdly, it is necessary to choose the appropriate retirement pension plan according to your actual situation and risk tolerance. Finally, after purchasing, it is necessary to check the insurance information regularly and pay the premium in time to ensure the effectiveness of the insurance.
All in all, when arranging retirement pensions for parents, we can consider paying high-end resident pension insurance, purchasing commercial pension insurance, etc., to ensure their quality of life in their later years. Of course, the specific choice of the plan needs to be decided according to the specific situation of the individual. Hope the above introduction is helpful to you.
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