Most of these institutions give priority to high consumption subsidies and give priority to returning the principal after the bed expires. This model attracts many old people, who hold their own pension funds and recharge a lot of money in this place. These old-age care institutions reward the elderly with high interest dividends to attract the elderly. Put all your pension in their pension institution, but this operation violates certain rules. People who know a little about a company's operation and capital operation, or people with high rebates, will know that this can't last long. If the capital chain at that time could not achieve a certain return, it would cause financial losses to these participants.
Young people should advise the elderly not to blindly believe in pension investment projects. There was an old lady on the Internet recently. Because this model didn't get her principal back, she was hospitalized twice because of a heart attack. This incident also reminded our netizens that many pension institutions in the market are like this. Old people blindly believe in these old-age care institutions, but they are not rewarded.
Recently, this issue was discussed online, and everyone said that the government should strengthen the supervision of these illegal pension institutions. Companies that raise funds maliciously and have no way or ability to repay them should be severely punished. For those companies that can't provide funds for the elderly who want to submit customers in time, the relevant responsible persons should also bear certain criminal responsibilities. Many old people are too old to know these things, and they don't know much about the routines in the market, which leads to the birth of these old-age care institutions. Moreover, most elderly people have pensions and will be targeted by people with a heart. However, these institutions have no corresponding qualifications and have not gone to relevant departments for filing, so it is very important for the state to strengthen supervision over these enterprises.
Then, if the elderly have pension money, how should they manage their finances? You can buy government bonds. In the past, people had to queue up at bank outlets to buy government bonds. It's much more convenient to buy government bonds now. You can buy them online without going to the bank to queue up. Moreover, there is usually no threshold for the subscription amount from savings bonds 100 yuan; High flexibility. If you need to use this deposit after subscription, you can withdraw interest in advance and calculate interest at the ladder rate. At present, the interest rate in savings bonds is 4.0% for three years and 4.27% for five years. In addition, it can also be deposited in the bank, which is more suitable for people with low tolerance.