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南京保险理财的博客

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张永明,故乡是彭城----徐州。 怀着对大城市的憧憬,1996年来到南京求学,又报着一份对事业的梦想,个人创业,2007年也为了助人达己,主动选择了家庭保险理财这份职业。 一直以来,服务于信诚人寿保险公司南京营销部

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延迟5年退休,个人账户损失7万!靠自己才最靠谱,商业养老险为何要趁早?  

2015-03-17 14:59:55|  分类: 保险,理财,投资 |  标签: |举报 |字号 订阅

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延迟5年退休,个人账户损失7万!靠自己才最靠谱,商业养老险为何要趁早? - 南京保险理财 - 南京保险理财的博客

两会回顾:延迟退休知道少

随着2015两会的闭幕,“延迟退休”成为关系民生的热门话题。如果延迟退休,意味着交养老保险的年限长了,领取养老金的年限短了。有人计算出,延迟5年退休,个人账户损失7万…

加速老龄化,你要被延迟退休了

人力资源和社会保障部部长尹蔚民在十二届人大三次会议记者会上表示,延迟退休方案将在2015年制定出来,2016年在报经中央同意后向社会征求意见,根据征求意见的情况修改完善,2017年正式推出。

    据测算,到2050年我国60岁以上老年人口将达38.6%。尹蔚民说,方案将充分考虑社会各界意见,从方案公布到实施至少在5年以上,以便给社会一个心理预期。在具体实施上,将采取“小步徐趋、渐进到位”,即每年只会延长几个月的退休年龄,经过相当长的时间达到规定的法定退休年龄。

延迟5年退休,个人账户损失7

现行的《国务院关于建立统一的企业职工基本养老制度的决定》由国务院在1997年颁发,那时起企业职工个人要交15年以上的养老保险才能在退休后领到养老金。按目前规定,职工每月领工资时,要扣除8%的养老保险金,这笔钱打入个人养老账户。同时,单位还要为职工交20%的养老保险金打入社会统筹账户。

如果延迟退休,意味着交养老保险的年限长了,领取养老金的年限短了。有人计算出,延迟5年退休,个人账户损失7万。如果个人把每月交的280元的养老保险不给社保机构管理,而是自己存入银行,退休时个人可以取出本息约30万元,然后再把这笔钱按整存零取存入银行,每个月取等额的一笔钱供自己养老,每月可取2337元。也就是说,延迟退休不仅要多辛苦几年,还要损失不少银子。

应对延迟养老靠商业险

靠自己商业养老险该补那些?

传统型养老险:传统型养老险的预定利率是确定的,一般在2.0%2.4%;常见的形态是直接约定在对应年龄进行养老金给付。

万能型养老险:万能寿险在扣除部分初始费用和保障成本后,保费进入个人投资账户。有保证最低收益(一般在1.75%2.5%,有的与银行一年期定期税后利率挂钩);除了必须满足约定的最低收益外,万能险提供透明的每月结算(目前结算年化利率在:4%左右);

分红型养老险:分红型养老险通常有保底的预定利率,但这个利率比传统养老险稍低,一般只有1.5%2.0%。分红险除固定生存利益之外,每年还有不确定的红利获得;分红险相对比较稳定,按照保险发规定,保险公司必须讲该投资收益不低于70%分配给保单持有人。

投资型养老险:

投资连结保险也叫“基金的基金”,是一种长期投资的手段,设有不同风险类型的账户,与不同投资品种的收益挂钩。不设保底收益,保险公司只是收取账户管理费,盈亏由客户全部自负。风险相对较大但收益也相对较高。

商业保险更方便更全面

商业养老保险缴费方式可以是一次缴纳,也可分3年、5年、10年、15年等分期缴纳。不光缴费机制灵活,领取养老金也不必非等到法定的退休年龄,只要在合同上约定好,45岁、50岁都可以领取商业养老金。更为重要的是,一旦发生意外,被保险人的商业养老金可以由其法定继承人继续领取。这一点是有别于社会基本养老保险的。

为什么商业养老险要早买

从复利计算和投资角度上看,商业养老保险是越早买越划算。年轻人身体健康,职业有上升机会,负担也轻,容易承保。而到了中年以后,不仅身体状况会提高承保费用,收益也不划算。

从保障的大范围来看,在做保险计划时,商业养老保险还是应该排在基本保障之后,并且要有一定的资金量作为基础。在这两个前提下,尽早购买商业养老保险比较合理。

延迟5年退休,个人账户损失7万!靠自己才最靠谱,商业养老险为何要趁早? - 南京保险理财 - 南京保险理财的博客

 

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