Is it better to buy social endowment insurance or China Ping 'an endowment insurance? These two kinds of insurance ...

The two kinds of endowment insurance have their own advantages and disadvantages, not to say that anyone is necessarily better than anyone else, but the two kinds of insurance do not conflict, and you can buy both if you have the conditions.

I have written an article in detail about the difference between social endowment insurance and commercial endowment insurance before. Friends who want to know can click on the link below to read the article for free:

How does social endowment insurance compare with commercial endowment insurance? Which is better? How many years will it take?

Comparatively speaking, the main advantage of social old-age insurance is that it can resist inflation, while the safe commercial old-age insurance has a fixed income or annuity return, and it pays more and pays more.

Usually, the pension payment of social endowment insurance is linked to the average monthly salary of the previous year, and the average monthly salary of the society is the closest to the social and economic growth.

In recent years, the average annual wage growth in China has reached 10%, so the income of pension naturally increases at the growth rate of 10%.

The simple understanding is: the pension you buy, the rate of return can reach 10%, there is no risk.

Ping 'an commercial endowment insurance, such as annuity insurance, usually has various types of annuities, such as annuity, survival fund, special survival fund, birthday fund and so on. , but the amount returned is certain.

At present, the aging in China is getting more and more serious, and with the increase of social pressure, many people may not enjoy a happy old age only by relying on state pensions.

With commercial old-age insurance, you can get an extra pension in the future to provide better protection for your future life, which is still very good.

If you want to buy high-yield commercial endowment insurance, you can use the ten products I summarized before:

The top ten commercial endowment insurance market with cost performance!

Finally, people of different ages apply different insurance, and blind purchase may waste money. See here for the specific insurance scheme:

How to buy insurance at different ages? Everyone should have his own plan.

That's all the answers. Please accept them.

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