The so-called wealth management product for the aged is actually an investment. As long as it is an investment, there must be risks, but it is only a matter of size.

According to the risk level, wealth management products on the market can be roughly divided into five categories, namely:

PR 1 level, low risk: the funds are mainly invested in bank deposits and money funds, and the risks and benefits are similar to those of Yu 'ebao, with high liquidity.

PR 2 level, low risk: funds are mainly invested in fixed-income products such as bonds, and the risks and expected returns are higher than PR 1, so the possibility of losses is low.

PR 3 level, medium risk: more than 90% of the funds are invested in bonds, bond funds and other products, and very few are invested in stock funds and other products, so there is a certain possibility of loss.

PR 4, high risk: funds are mainly invested in stocks, funds and other products, and there is a greater possibility of loss.

PR 5, high risk: in addition to the inherently high-risk stock fund products, it will also invest in futures and other products, and there is a risk of suffering heavy losses.

In view of the characteristics of old-age care, users need more stable products with considerable income, so most of the old-age wealth management products are PR2 and PR3.

However, even low-risk PR2 and PR3 grades may be affected by financial market fluctuations and may suffer losses.

Then some friends will ask, "Is there a safe and stable way to support the elderly with high income?"

Yes, it is endowment financial insurance, which is mainly divided into the following two types at present:

Annuity insurance: after insurance, the insured can receive a sum of insurance money from the insurance company on a regular basis when he lives to the age agreed in the contract. In addition, the policy itself has a certain cash value and can be surrendered.

Whole life insurance: After the insurance, the insured amount and cash value of the policy are increasing, which supports the insurance reduction. When there is a demand for funds, part of the increased cash value can be converted into cash, and the rest can continue to increase.

These two types of pension and financial management insurance, in addition to financial management, also have a certain ability to protect against death, if the insured dies within the protection period;

Then the family members of the insured can get a sum of compensation according to the age of the insured at the time of death, the cash value of the policy, the amount of insurance, etc., which can be said to take care of both pension and death protection.

However, there are many endowment financial insurance on the market at present, and how to choose the right product is undoubtedly a problem;

But don't worry, Shen Lanjun also sorted out several products that performed well in all aspects. Let's look down together

Second, what are the recommended pension financing?

1, annuity insurance

Above, we take the 30-year-old women's annual payment of 50,000 yuan, 5 years and 60 years as examples to analyze the income and insurance rules of several popular annuity insurance products.

Let's just say the conclusion:

If you value the income, you can consider Yangduoduo No.3 (Plan 1) and Leyangduo (Collector's Edition).

Under the above insurance conditions, Yangduoduo No.3 (plan1) can receive an annual amount of 39,600 yuan after 60 years old, which is the highest among the above products;

And its cash value growth performance is also good. The total survival benefit and IRR rate of return before the age of 80 ranked first in the list, and the IRR rate of return at the age of 90 reached 3.9 1%, and the comprehensive performance was very bright.

However, the cash value of Yangduoduo 3 (plan 1) dropped to zero around the age of 85. If you die or surrender later, you won't get the money.

The advantage of Leyangduo (collector's edition) is that it has cash value for life. Although it can receive less money each year than Yangduoduo No.3 (plan 1), its total survival income and IRR rate of return exceed Yangduoduo No.3 (plan 1) by virtue of its lifetime cash value.

However, the premise of this is to live to 90 years old, so it is more recommended to choose people with longevity genes in the family.

If you want to be more secure: Yangduoduo 3 (Scheme 2) is also a very good choice;

Although the late income of Yangduoduo No.3 (Plan II) is not as good as that of Plan I, its advantage is that it can be collected in 20 years. If the insured hasn't started to collect insurance money after 20 years, he will die young.

Then the insurance company will give the part that has not been received for 20 years to the insured's family at one time;

In other words, as long as you don't surrender your insurance in advance, even if you die, you can get at least 20*37400 yuan of insurance money totaling 748,000 yuan, and there is still an insurance money when you die;

Generally speaking, this product has a high guaranteed income and is suitable for friends who want to be steady.

2. Add whole life insurance

We also found three good products in whole life insurance. Let's take a 30-year-old man as an example, with an annual salary of 10 and 654.38+10,000 yuan, and see how they perform.

Draw a direct conclusion:

If you value income: give priority to others;

Under the same insurance conditions, the People's Bank of China and Industrial and Commercial Bank of China have the best cash value growth rate, which not only takes 8 years to exceed the premium paid, but also performs very well in the later period. IRR rate of return in 90 years is close to the capping line set by China Banking and Insurance Regulatory Commission.

For example, if you don't reduce your insurance during the period and surrender at the age of 80, this product can withdraw 479 1 000 yuan at a time, which is nearly five times higher than the original premium of 654,380+0,000 yuan.