养老理财N种方式

发布时间：2018-05-25 01:46

本文选题：商业养老保险 + 基本生活水平　；参考：《财会月刊》2013年25期

【摘要】：正社保养老是基础近来,有很多网友因受"延迟退休"或"双轨制"传闻的刺激,表示"不再缴纳社会保险费"并且提出要"退保",勇敢地提出要自己存钱养老。对此,中国社科院社会政策研究中心研究员唐钧认为,存款利率跑不过CPI已经成为社会共识,储蓄养老对大多数人来说行不通。"社会保险保障的是基本生活水平,也就是说,到领取时,是要根据当时的基本生活水平来进行调整的。企业职工的养老金已经连续8年进行了调整就是一例证。虽然大家对调整后的标准仍然不满意,但毕竟进行了调整。所以,合理的计划是首先要参加社会保险,这是保底的;然后有余力再买商业保险,这属于锦上添花。"保险为养老提质当前,我国实行的是社会基本养老保险、企业补充养老保险(即企业年金)与商业养老保险相结合的多层次养老保障制度,但面对社会保险"广覆盖,低保障"现状,越来越多的人开始关注商业养老保险。专家指出,和其他投资理财工具相
[Abstract]:Recently, many netizens have been spurred by rumors of "delayed retirement" or "two-track system" to say "no longer pay social insurance premiums" and offered to "retire" and bravely propose to save their own money for the aged. In response, Tang Jun, a researcher at the Center for Social Policy Research at the Chinese Academy of Social Sciences, said that it has become a social consensus that deposit rates are not as good as CPI, and that saving for the aged is not going to work for most people. " What social insurance guarantees is basic standard of living, namely, when receive, want to carry on adjustment according to the basic standard of living at that time. The pension of the enterprise worker has carried on the adjustment for 8 consecutive years is an example. Although everyone is still not satisfied with the adjusted standards, but after all has been adjusted. So a reasonable plan is to start with social insurance, which is guaranteed, and then Yu Li to buy commercial insurance, which is an added bonus. " At present, our country implements the social basic endowment insurance, the enterprise supplementary old-age insurance (that is, the enterprise annuity) and the commercial endowment insurance combine with the multi-level old-age security system, but faces the social insurance "the extensive coverage," Low security "status quo, more and more people began to pay attention to commercial endowment insurance." Experts point out that it is similar to other investment tools
【分类号】：F842.612

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