I think we can provide for the aged, and the bank pension insurance is generally reliable. First of all, when we apply for old-age insurance, we will be given pension protection.

first of all, when we take out the old-age insurance, we will be guaranteed the old-age pension. Bank endowment insurance belongs to a social security system. It is stipulated that state institutions and individuals should bear the national endowment insurance, and banking financial institutions such as Industrial and Commercial Bank of China, China Construction Bank, Bank of Communications and rural credit cooperatives can buy bank endowment insurance with confidence. The money needs to pay the welfare stipulated by the state. The security of bank endowment insurance is not safe.

To be honest, many middle-aged and elderly friends who have retired now have a monthly pension, most of which may be between 2, yuan and 5, yuan. Of course, there are high and low ones. After all, it is only a few people. For most people, a pension of several thousand dollars a month can only cover the basic living expenses. Nowadays, young people are different from their parents. Young people are not willing to save money for the sake of saving money. Because the concept of the older generation always thinks that money is saved, but now young people always think that money is earned.

This has caused a very real problem. Nowadays, even if a large number of young people pay old-age insurance, the pension they receive after retirement may not be able to meet their own needs. Moreover, pension has a very special nature, that is, pay more and get more.

The current social security pension system in our country actually has two defects. The first is the person who works in the unit. Social security is paid by the individual's salary level, so how much the pension should be paid every month is not what you say, even if you want to raise the payment level. This means that many people actually have some spare money in their hands, but they want to pay endowment insurance but can't pay it in, and they don't know how to invest. They can only watch the money in their hands depreciate constantly.

The second type is flexible employees. In fact, many flexible employees are unwilling to pay their own social security pension because they think it is not cost-effective. The aging of our country is becoming more and more obvious, and the social security pension expenditure will be larger and larger. How does our country delay retirement? Will it increase the minimum payment period of old-age insurance? It's all unknown

Therefore, it is understandable that some friends choose not to pay endowment insurance. At this time, personal pension savings insurance should come, which is also the third pillar of our national pension insurance.

Savings-based endowment insurance actually belongs to a long-term financial product, but this financial product is issued by a large formal commercial bank in our country. This is not the same as ordinary wealth management products sold by banks or commercial endowment insurance sold by insurance companies. This kind of financial endowment insurance, as far as the details released in the market are concerned, does have certain attraction, but it may also have some disadvantages.

First of all, we have to understand one thing. A great change has taken place in our country in 222, that is, the chances of getting rich by speculation have decreased.

the booming real estate industry in the last 2 years or so is dying. This means that a large number of funds that want to rely on real estate to make money have nowhere to go. In our country's stock market, it is really not easy for ordinary people to make money. Buying funds and buying high-interest wealth management actually has a certain degree of risk. Even the most basic bank deposit interest rate is constantly falling.

We ordinary people save a little money in the provincial party committee, hoping to use it for the future pension. But prices have been rising year after year, and inflation has always existed. Money is becoming less and less valuable and less and less expensive. How to make the interest higher without being cheated has become a major concern for many people.

In fact, our country has carried out the pilot work of pension financial products since 219, and the effect is actually good. In the second half of 222, many banks will launch this kind of pension financial products one after another, so don't worry, friends. There will be many choices for pension financial products in the future.

according to the characteristics of the financial products for the aged released by CCB, China Post and other banks, the closed period is mostly 3-5 years, especially for the five-year financial management for the aged, and the expected income is more than 5% per year.

At this time, we can feel that it is the third pillar of endowment insurance, but it is actually a wealth management product launched by the bank itself. The target is a combination of five-year bank savings and large deposit certificates.

the income of more than 5% is now very rare in regular bank deposits and wealth management products. That is to say, if you put in 1 thousand yuan, you can get a return of more than 5 yuan a year. However, we must understand one detail. This kind of financial endowment insurance is actually a financial product, and there is a gap with our ordinary bank deposits, that is, 5, principal and interest guarantee.

However, because this kind of wealth management pension insurance is provided by the bank itself, the safety level is much higher than that of traditional wealth management products. So what kind of person is this kind of old-age wealth management product suitable for buying?

We must understand that retired middle-aged and elderly friends buy carefully, although the interest seems high, but after this kind of wealth management money is put in, it will not be withdrawn before it expires. Although the interest rate is high, the flexibility is not good. In the future, after banks introduce more pension wealth management products, there may be products with a 1-year or longer cycle. Therefore, this kind of wealth management product is mainly aimed at people before retirement.

Moreover, there is no overall account for this kind of financial endowment insurance, and all the money we put in ourselves is our own, so even in extreme cases, people are gone. The money in the individual pension insurance account, even with interest, belongs to the inheritance, and the heir can inherit it according to the procedure.

generally speaking, this kind of bank's own wealth management products for the aged are still quite advantageous. But let's not worry. After all, this kind of financial endowment insurance product in our country is still in its early stage, and the product options are still very few. It is not clear whether there are any disadvantages.

so, even if you buy, it's best for a bank not to exceed 5, yuan. After all, this kind of financial endowment insurance is actually a kind of financial management, but the interest is a little higher than ordinary bank deposits, and the safety is a little higher than ordinary financial products, which is completely different from the social security pension we often talk about.