Pay attention to sunset red, focusing pension insurance
Do you start planning to raise your old age?
2004-10-15 00:00:00
The emergence of housing loans and various consumption loans makes many people habits "the money of the flowers, enjoy today's life". However, in the context of population aging, is it more important to plan, "spend today's money, enjoy the happiness of tomorrow"?
Talking about the old-age, many people think that they are still far away, people are more concerned about how to earn more money. They always feel that as long as they have money, they will naturally become problems. However, if you calculate it, this money earned now, if you are unreasonable, can you guarantee your future? A recent survey shows that the ordinary residents in Xi'an, the spending costs required for their lives have reached 1.7 million yuan, calculated according to the average work age of 35 years, and the annual income must be close to 50,000 yuan, and the average monthly income must exceed 4,000 yuan. How many people in Xi'an's work in Xi'an can be reached? Even if some people have higher income, high-quality life necessarily means that the expenditure is also higher, if the old age will still maintain the original living standard, the money will be more. Therefore, regardless of the current income, it must be planned early. On the basis of ensuring the current quality of life, a part of the income is reasonably allocated to the years without income.
For the vast majority of workers, according to the "State Council's decision to establish a unified enterprise employee basic pension insurance system" and "Labor Law", all kinds of enterprises have handled basic endowment insurance for employees, but this "wide" Covering, low-level "mode can only ensure the lowest life standard. Taking a unit of Xi'an as an example, ordinary employee's pension insurance payment base is 1,000 yuan, personal payment 7%, unit supplement pays 20%, paying 270 yuan per month, according to working 35 to 60 years old, total payment amount 110,000 yuan, the pension that can be received after retirement is about 1200 yuan per month, taking into account the price level after 35 years, the retirement is only the lowest life guarantee for his later years. Therefore, in the case where the corporate annuity system is not fully popular, it is necessary to consider insurance for commercial pension insurance. According to recent recent insurance market surveys, commercial pension insurance has become a hot health insurance that people have intended to buy, and the expected purchase rate has reached more than 50% of expected consumers. Our reporter Liu Li internship reporter drama
