February**Dynamic Incentive Plan Course Background: The results of the seventh census show that China is about to enter an aging society, and the problem of old-age care has become one of the primary problems to be solved by the country. From the 19th report, it is clearly proposed to fully implement the national insurance plan, improve the basic old-age insurance system for urban workers and urban and rural residents, and realize the overall planning of old-age insurance nationwide as soon as possible. to the 14th Five-Year Plan in the improvement of the pension layout. It highlights that the issue of old-age pension is a national issue, and it is also a cost that every citizen must prepare for in advance. How to reasonably allocate funds to make scientific pension planning is particularly important.
Course Benefits:
Reposition and think about the pension, and scientifically lay out the personal pension plan.
Clarify the risk of pension and fully realize that the pension crisis is imminent.
Understand the planning of pension funds and scientifically allocate them to achieve lifelong stability.
Course Duration:60 minutes.
Course Method:Production talks.
Course Audience:Pension insurance needs potential customers.
Course outline
Lecture 1:Thoughts on pension
One. Why are we not urgent about retirement planning?
1.Healthy black swan.
2.Pension gray rhinoceros.
Two. New thinking about pension
1.Health risks.
2.Pension risk.
3.Wealth formula.
ThreeIncome and expenditure management
1.Revenues are sustainable.
2.Income diversification.
3.There is a backup of income.
Lecture 2:Pension trend analysis
One. Apocalypse of the Seventh Census
1.Population growth is low.
2.The labor force is declining and economic growth is slowing.
3.Unmarriage and low birthrate are serious.
4.Aging is severe. Empty nests. The number of disabled elderly people is increasing.
Two. Ageing is accelerating on an unprecedented scale
1.Behind the aging of the population is the continuous decline in fertility rates.
2.More and more people are resisting having babies.
3.More and more people are getting older.
ThreeFamily patterns have changed
1.Household miniaturization.
2.Empty nesting of families.
3.The birthrate of the family is declining.
FourPension trends
1.Declining birthrate.
2.Aging.
3.Longevity.
SectionThreeSpeak:Pension risk analysis
1.Economic winter.
2.Social Security Winter.
3.Family winter.
4.The winter of life.
5.Summary of the pension crisis of Chinese residents.
SectionFourSpeak:Retirement planning
One. Reflections on retirement planning
Three sets of numbers
1) Recommendations for retirement pensions organized by the World Bank.
2) The World Labor Organization's bottom-line regulations on retirement pensions.
3) China's current substitution rate.
Five questions for the elderly
1) When to retire.
2) Estimated maximum lifespan.
3) What is the pension method?
4) How much it costs.
5) How many reserves are available.
Ideal retirement status
1) Rich. There is leisure. There is health.
2) There are pros. Companionship. There are dreams.
3) Insured. Bottom. With dignity.
Two. The right way to open the retirement preparation
1.Lifelong self-reliance retirement planning.
2.Prepare early.
3.Use the right tools.
ThreeThe quadrangle of pensions
1.Exclusivity.
2.Profitability.
3.Security.
4.Persistence.
FourInvestment thinking
1.Interest rate lock-in.
2.Long-term investment vs. toss-up.
3.The role of commercial insurance (annuity increase whole life).
4.Commercial insurance (annuity, increased whole life) is one of the few best tools to solve the problem of pension.