Current location - Trademark Inquiry Complete Network - Tian Tian Fund - How to choose individual pension fund?
How to choose individual pension fund?
The method of purchasing personal pension is as follows:

1. It is best to choose commercial endowment insurance with dividend function.

Commercial endowment insurance can be roughly divided into traditional endowment insurance and dividend insurance. Dividend-based pension insurance changes the fixed interest rate into floating interest rate, and its actual dividend and calculated interest rate are determined according to the operating level of the insurance company, and are not limited by the annual scheduled interest rate of 2.5% stipulated by the CIRC. Especially in the background of low bank interest rate, we should choose commercial endowment insurance with dividend function.

It's better to buy early than late.

Under normal circumstances, commercial pension insurance pays pension, which is the amount of savings calculated according to premium compound interest. Therefore, the younger the insured, the longer the savings time, and the less the premium paid. In addition, when consumers apply for commercial endowment insurance, it is best to be under 50 years old. Once over 50 years old, the premium to be paid is relatively high, which is prone to "upside down".

3. The payment period can be shortened appropriately.

In general, there are many payment methods for commercial endowment insurance, including one-time payment, three-year payment, five-year payment, 10 payment and 20-year payment. You can choose a shorter payment period, the total premium will be less, and it will save money.

It is best to link the collection time with the retirement age.

The amount of pension provided by commercial pension insurance will generally account for 25%-40% of the total demand for old-age security. On the basis of the existing social endowment insurance, considering all factors, it is more appropriate for the insured to buy a commercial endowment insurance of about 200,000 yuan. In addition, the collection time of commercial endowment insurance can be agreed with the insurance company at the time of insurance, which is generally limited to 50 years old, 55 years old, 60 years old and 65 years old; However, many insurance companies stipulate that you can get 100 years old or even die. Generally speaking, insurance companies will generally guarantee the insured to receive a pension of 10 or 20 years.