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Pension investment wants " to attack and defence have both how does " use openin
From;  Author:Stand originally
The stock market steeps fall, let a lot of citizen desires that count on support stock market to accumulate charge of provide for the aged quickly originally make a plan. According to calculating, at present average pension standard can achieve retiree only on-the-job worker is average 58.5% of wage income. To this, expert proposal, the citizen can consider to buy commercial endowment insurance to complement the gap of 2 cost of provide for the aged that become into ~4.



The influence of the inflation on the consideration, from the point of sheer quantity, cross the annuities demand fact of 1 million to belong to common. According to calculating, if you are current 35 years old, after planning 60 years old to retire, live be equivalent to now every months of life of 3000 yuan of level, with life expectancy 85 years old are calculated, the inflationary rate with average and annual hypothesis is mixed for 3 % , 4 % respectively 5 % , need to make an appointment with 1.69 million yuan at the appointed time, 2.42 million yuan of annuities with 3.63 million yuan.

If you want to raise life level 5000 yuan after retire, still with life expectancy 85 years old are calculated, the inflationary rate with average and annual hypothesis is mixed for 3 % , 4 % respectively 5 % , what need annuities to be 2.82 million yuan about respectively, 4.03 million yuan mix 6.05 million yuan.

According to historical data, in 1995~2004 in 10 years year, take no account of an a particular year that shrink, of our country average year inflationary rate is 5.1 % .

And meanwhile, although oversight inflation, pure support social security raises the living standard with old far difficult existing hold together.

According to calculating, our country is current basic annuities substitution rate also is the society only 58.5% , that is to say, current, average pension standard can achieve retiree only on-the-job worker is average 58.5% of wage income.

And income is higher, if rely on social security only, the standard of living when future is emeritus drops rate may be older.

Pension investment wants “ to attack and defence have both ”

The “ that emeritus annuities is senile life raises lot money ” , accordingly, should achieve special fund special, lay in compulsively, dovish investment. Specific go up in the investment arrangement of annuities, face the tool of investment conduct financial transactions of the full of beautiful things in eyes on the market, expert of conduct financial transactions suggests, the citizen should set a program, “ attacks and defence have both ” .

According to an analogy of underwriting group, on the green mattress field of product of conduct financial transactions, foreign currency, stock resembles is “ forward ” , assault is advanced, notch the most likely, get hurt at the same time (deficit) possibility is highest also; Landed, bond, bank deposit ases if ” of “ full back, action depends on reducing a risk; And commercial endowment insurance criterion the “ goalkeeper ” as impregnable fortress, can achieve special fund truly special, “ goal does not break ” . There cannot be forward only on field, without full back, cannot do not have goalkeeper more.
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