《人一生中需要的6张保单》 The 6 most important policies in life

《人一生中需要的6张保单》

The 6 most important policies in life

第四张保单：养老保险 35岁

Forth policy: Retirement plan 35 year old

几十年后谁来养你？这是我们不得不考虑的问题。当我们的口袋越来越充实，薪水逐年上升，越来越习惯了高质量的生活方式，没多少人会去想未来的生活水准会不会一落千丈。我们努力地工作、攒钱，但面对通货膨胀的压力，银行也是靠不住的。养育小孩的花费越来越高，很多城市居民都只有一个小孩，当未来出现两个孩子负担4个老人的局面时，指望孩子，那对孩子无疑也是一种巨大的压力。规划自己的养老问题，是对自己和儿女的责任。

Who is going to take care of you at your golden age? This is something that we need to seriously consider about. We are working hard to cope the increased living standard and we are comfortable with the better life style day by day. We may not have thought about whether we could afford to enjoy such living style when we are out of job at old age. The pressure of inflation is there and even bank couldn't guarantee anything for us. Start planning your retirement is also to reduce your children's burden.

虽然我们在社会保险里也有一份养老金，但这种养老金只能维持基本生活，指望靠它拥有有质量的老年生活是不行的。所以，从30岁开始，在资金允许的情况下，应该开始考虑买一份养老保险。养老资金首先要保证安全，投资股市或者房产来养老，风险显然难以预测。而养老保险兼具保障与理财功能，可以抵御一部分通货膨胀的影响。养老保险应当尽早购买，买得越早，获得的优惠越大。

Many of us always think we already have the EPF but that savings could only be sufficient to maintain the basic living. If you are looking forward the same living standard you have today, it is definitely insufficient. Start from age 30, plan your financial so you can afford to start a retirement savings policy. Retirement fund must be secured. If you are expecting the rewards from investment from stock market or house development, please do consider the inherit risks. You should start retirement savings as early as possible as so to maximize the rewards.

购买养老保险之前，要算清以后每月能拿到多少钱，能拿到多少岁或者多少年。养老金的领取分两种形式，一种是每月领固定的金额，另一种是逐年递增，应视不同情况与经济承受力而选择。以前者为例，从30岁起交养老保险金，每年6500元，交满20年，55岁可以持续领满20年，每月领取1000元，总共交13万元，领取24万元，收益明显。

Before you get your retirement savings policy, consult the agent. Estimate how much you need per month and until what age. Then depends on your current financial status, choose the best or optimal plans for your own.