"Financial Knowledge Popularity Month" Jining City Insurance Industry Association: Is commercial insurance come to pension reliable?

This year, the General Office of the State Council issued the "Opinions on Promoting the Development of Personal Pensions", which officially opened the prelude to the era of personal pensions. In this context, the insurance industry has also developed exclusive commercial pension insurance under the guidance of the government, allowing ordinary people to have more choices when choosing pension products. And what characteristics and advantages it has, allowing us to better achieve wealth appreciation and ensure life in old age. Let's find out together.

[Question] Many people are relatively unfamiliar with exclusive commercial pension insurance. Can you briefly introduce it?

[Answer] First of all, exclusive commercial pension insurance is similar to social maintenance in design, focusing on long -term accumulation. Generally, it can be collected on schedule after retirement or after 60. Our called "endowment insurance" is in line with the original intention of "pension". The difference is that it is very flexible in paying and receiving time. It can be paid in installments or paid. It can be configured regardless of whether it is 20, 20 years, and 30 years. Can.

[Question] There are also many investment and wealth management channels now. What are the advantages of commercial pension insurance worthy of attention?

[Answer] First of all, stability. The products of each insurance company have set up a guarantee interest rate. This interest rate is written in the contract and must be fulfilled. In fact, it is likely to be higher than the guarantee. In the case of unclear investment prospects, it is a very good way to hedge risk. Furthermore, exclusive commercial pension insurance takes compound interest. If you insist on long -term investment, the income is considerable.

The biggest feature is to take care of the people and flexibility. "Customized" pensions can be achieved according to personal financial situation.

[Q: How to choose?

[Answer] Choosing exclusive commercial pension insurance is actually the ability to select insurance companies' investment operation management capabilities.

The first is to comprehensively consider the company's strength. The company's brand reputation, service quality, etc. do not have to obey the "big brand". Many small and medium -sized insurance companies have their own unique products and services.

Second, it can be appropriately referred to the company's annual settlement interest rate, which is how much higher than the guarantee interest rate. To a certain extent, the company's investment level can be reflected. This is generally available on the official website of each company.

The most important thing is to "time" to fulfill which investment means to choose. (Zhu Ruixuan, the Insurance Industry Association of Jining City)

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