1. The earlier you plan for retirement, the better. Social pension is the basis. Education pension is commercial annuity insurance. If your child has no plans to study abroad and the family has insufficient financial resources, it is not recommended to buy education pension.

Commercial pensions and education funds are actually commercial annuity insurance, which requires long-term lock-in of cash flow. The principal will suffer serious losses when withdrawing midway. The so-called high yield is just a numbers game for publicity. The guaranteed interest rate of the contract is actually not high, because the cash flow planning of the insurance requires

It is safe and long-term, so low returns are the characteristics of annuity insurance.

High returns correspond to high risks. There are no products that exceed normal investment return levels, and there are no risk-free financial products that double the principal. Insurance is insurance, and financial management is financial management. Don’t be misled by the high-yield propaganda of annuity insurance.

Insurance is regarded as a high-yield financial product.

2. Those born in the 1990s are now entering their third year of work. If office workers have basic social security, social security includes basic medical security and pension accounts.

Moreover, social security is a social welfare security system, with the lowest pension payment cost and welfare benefits upgraded every year. It can be said that it is a must for everyone's retirement and security.

Other commercial insurance has high payment costs and various contract terms. The guaranteed interest rate of commercial annuity insurance is 1-3%.

If you have enough money to spare after taking care of basic health insurance, you can consider buying a social security pension for ordinary families, or an upgrade to social security + commercial insurance for middle-class families.

3. In addition to early planning for retirement planning, you must also pay attention to protection first and then save for retirement, instead of always thinking about saving education funds and pensions. This requires a large amount of family cash flow. The actual situation must be considered. Basic health protection is the key.

, solving the huge expense risks caused by uncertain diseases and accidents.

Keep your family's finances stable before you can talk about saving for retirement.

To sum up: if the basic social security of the post-90s generation is well configured, they will have basic medical insurance and pension security. If they use the social welfare system to provide for their elderly, if they have financial spare capacity and family conditions, they will consider commercial pension insurance of for-profit commercial institutions, and at the same time be wary of so-called high-end insurance.

Income financial insurance, insurance is a tool to transfer risks, not a tool to increase risks in investment and financial management. Everything starts from the actual financial situation of the family, so that insurance can become your family's financial stabilizer, rather than a family financial burden.