The establishment of pension insurance in the commercial insurance on a voluntary basis, including pension insurance, both loyal and filially pious insurance, regular insurance, which determine the long-term planning in terms of a fixed pension, annuity insurance business will undoubtedly have more advantages. And the Fund, stock investments and other financial instruments compared to the pension insurance core strengths is to help customers identify with the money to do the planning identified.
Only there is no guarantee that the quality of life of social security
The basic force in the country mainly by the basic old-age pensions for basic old-age insurance + + subsidies of individual accounts. We receive a pension consists of two parts: basic old-age pensions and the proportion of individual accounts. That the formula used to: last year the average wage in the region community 20 per cent of total personal accounts + 1 / 120. As social endowment insurance personal accounts I have unified payment of wages by 11 percent to eight percent adjustment, all formed by the individual contribution, the unit no longer pay the 3 percent included "personal accounts."
Thus, if an employees annual pay 3,000 yuan of social security pensions, pay a total of 30, then accumulated in individual accounts for 90,000 yuan. If he receive pensions at the local average wage is 3,000 yuan, he receive a monthly pension: 3000 × 20% +90000 × 1 / 120 = 600 +750 = 1350 yuan, pension replacement rate was only 3,000 yuan She-ping Wages 45 percent. As for wages higher income people, with the current pension income will be even greater contrast, the quality of life of the discount percentage will be higher. According to preliminary calculations of experts, working in the social average wage income of more than three times, after his retirement, the average replacement rate of 30 percent.
According to the FAO identified the Engel coefficient (the income used to eat ratio) of 30 percent to 40 percent for the "rich" phase of the standards, then the retirement pension is only enough to maintain the need to eat - on the country Basic social security pension, can only solve food and clothing.
How to configure pension scheme
Experts suggested that the old-age security should be improved by a three-part, the first basic old-age social insurance, this part of the total number of pension accounts for about 30 percent. Second, enterprises as the staff prepared the corporate old-age pension, the ratio is about 30 percent. Third, personal preparations for the pension funds, including commercial pension insurance, funds, shares, bank savings, bonds, real estate and other financial instruments or investment in kind, this part of the total number of pension accounts for about 40 percent.
Although the basic old-age insurance is the backbone of China's social security system, according to law enforcement by the state, with social welfare in nature, but because of its security level is not high, only to meet basic living needs of the elderly, want to lead a decent quality Old age, in formulating their own pension plans, may consider the purchase of commercial pension insurance to make up for the lack of social security.
Annuity insurance business to personal pension plans like the "goalkeeper", in general, funds, stocks, real estate will bring greater benefits expected, but at the same time accompanied by a high-risk should not be overlooked. They like on the course forward, avant-garde, the former Chongsha at the same time, at any time "injured" (loss) of risk. Commercial pension insurance precisely with the "stable and reliable" advantages to ensure that the money identified by determining what to do. The funds sought by the insurance company is the safety and soundness, to achieve effective preserve and increase the value of wealth.
Only there is no guarantee that the quality of life of social security
The basic force in the country mainly by the basic old-age pensions for basic old-age insurance + + subsidies of individual accounts. We receive a pension consists of two parts: basic old-age pensions and the proportion of individual accounts. That the formula used to: last year the average wage in the region community 20 per cent of total personal accounts + 1 / 120. As social endowment insurance personal accounts I have unified payment of wages by 11 percent to eight percent adjustment, all formed by the individual contribution, the unit no longer pay the 3 percent included "personal accounts."
Thus, if an employees annual pay 3,000 yuan of social security pensions, pay a total of 30, then accumulated in individual accounts for 90,000 yuan. If he receive pensions at the local average wage is 3,000 yuan, he receive a monthly pension: 3000 × 20% +90000 × 1 / 120 = 600 +750 = 1350 yuan, pension replacement rate was only 3,000 yuan She-ping Wages 45 percent. As for wages higher income people, with the current pension income will be even greater contrast, the quality of life of the discount percentage will be higher. According to preliminary calculations of experts, working in the social average wage income of more than three times, after his retirement, the average replacement rate of 30 percent.
According to the FAO identified the Engel coefficient (the income used to eat ratio) of 30 percent to 40 percent for the "rich" phase of the standards, then the retirement pension is only enough to maintain the need to eat - on the country Basic social security pension, can only solve food and clothing.
How to configure pension scheme
Experts suggested that the old-age security should be improved by a three-part, the first basic old-age social insurance, this part of the total number of pension accounts for about 30 percent. Second, enterprises as the staff prepared the corporate old-age pension, the ratio is about 30 percent. Third, personal preparations for the pension funds, including commercial pension insurance, funds, shares, bank savings, bonds, real estate and other financial instruments or investment in kind, this part of the total number of pension accounts for about 40 percent.
Although the basic old-age insurance is the backbone of China's social security system, according to law enforcement by the state, with social welfare in nature, but because of its security level is not high, only to meet basic living needs of the elderly, want to lead a decent quality Old age, in formulating their own pension plans, may consider the purchase of commercial pension insurance to make up for the lack of social security.
Annuity insurance business to personal pension plans like the "goalkeeper", in general, funds, stocks, real estate will bring greater benefits expected, but at the same time accompanied by a high-risk should not be overlooked. They like on the course forward, avant-garde, the former Chongsha at the same time, at any time "injured" (loss) of risk. Commercial pension insurance precisely with the "stable and reliable" advantages to ensure that the money identified by determining what to do. The funds sought by the insurance company is the safety and soundness, to achieve effective preserve and increase the value of wealth.