Why this ranking? You can check out this article on the latest top 10 insurance companies revealed! Is your favorite insurance company on the list?
Different insurance companies have their own characteristics of commercial pension products, and it is not that the top ranking insurance company, its pension insurance is necessarily very good. At the end of the day, we still need to combine our own needs and income situation, and what suits you is good.
Different people's income situation and expectations of retirement life are different, dedicated gentleman reminded everyone to do the following when buying pension insurance:
Reasonable calculation: to know what kind of retirement life you want to have in your old age, to estimate the approximate cost of living and health care, but also set aside a certain amount of leisure and entertainment costs and expenses, to calculate to know the approximate cost of their own expenses. The first thing you need to do is to find out how much you're going to need to spend.
Investment portfolio: financial planning is realized through the investment portfolio, we have to calculate what other sources of income we have after retirement, commonly used may be the state coordinated pension insurance, housing rental income, commercial pension insurance, bank interest and so on. I believe that with a sense of financial planning, we will be able to approximate our current preparedness, what are the guaranteed returns and what are not, and the risk profile of each return.
Considering inflation: at the moment actually domestic inflation stays around 5-6%, so even if you already have some cash savings, you have to consider the impact of inflation, whether it seems to be enough now, and whether it will still be enough 20 years from now.
If you want to not know how to buy commercial pension insurance, you can pay attention to find dedicated insurance, we will be professional knowledge, objective, neutral, enthusiastic attitude, to answer any questions about insurance, so that buying insurance is no longer difficult!