Is there a conflict between endowment insurance and social security?

This statement is not very scientific, but overall, the pension plan needs to be planned more carefully.

1, the pension plan generally needs to be planned from the age of 30, and it will be deposited every month to gradually accumulate pensions. However, the general input requirements of bank products are relatively high.

2. Bank products are generally 3-5 years, while pension plans generally require decades of planning.

3. The pension plan needs to estimate its life span, roughly how much pension it needs, and how to raise it is relatively complicated.

Social security is the foundation and the welfare that the state gives to everyone. When you reach retirement age, you can at least solve the problem of food and clothing. If economic conditions permit, you can add some commercial insurance. When buying commercial insurance, you must keep your eyes open. Don't listen to the manager's nonsense. When you prepare for retirement pension insurance, your insurance agent doesn't know where to go yet. Financial endowment insurance is not recommended, and the pit is too deep. It is still necessary to guarantee insurance. Nowadays, many elderly people follow the trend to learn "financial management", and most of them use their own pensions and pensions for investment and financial management. At present, there are many kinds of financial products on the market, so it is particularly important for the elderly to master the skills of "prudent financial management" and invest in safety. In this regard, financial experts cleverly make pension financing safer. The "28" portfolio is stable and profitable, and skilled financial management is directly proportional to risk. High income is bound to be accompanied by high risks, and the elderly should "steadily and steadily" pursue income in financial management. The wealth management manager of Huaxia Bank pointed out that under normal circumstances, the proportion of investing in higher-risk assets should not exceed (100- age at the time of investment)%. If an investor is 70 years old, his investment ratio in higher-risk assets should not exceed 30% at most. Considering the actual situation of the elderly, it is suggested that the proportion of investing in higher-risk assets can be appropriately reduced to 20%. The investment ratio of savings, national debt and sound wealth management products can be above 80%. Although the conservative investment method of "28 combination" has low income, it can obtain relatively safe income. So, put the money in the bank for sound financial management, okay? According to the financial manager of Huaxia Bank, actually saving is also skillful. Choosing the right kind of savings can maximize the interest income. At present, the expectation of raising interest rates in the market is not strong. The easiest way to lock in the income is to deposit a sum of money in the bank at one time and choose a longer term deposit to ensure higher interest income. But when the money is used temporarily, the interest on the part of the deposit withdrawn in advance is calculated according to the current demand. Therefore, the financial manager suggested that the risk of early withdrawal can be avoided by separate deposits, such as dividing the deposit of 200,000 yuan into several separate deposits in the bank, and choosing different deposit periods according to the expectation of the use time of funds. In addition, if the funds exceed 50,000 and may be used in a short time, you can choose "seven-day steady profit" to facilitate withdrawal and stable income. Financial products are very attractive. Financial experts cleverly suggest that there are many kinds of financial products on the market. What kind of financial products are suitable for the elderly? The wealth management manager of Huaxia Bank believes that the elderly should first consider the safety and low risk of funds when purchasing wealth management products. Before buying wealth management products, you should know your risk tolerance. Usually, banks will classify products, and the elderly can choose according to the classification and investment targets of wealth management products. If you feel that there are too many kinds to choose, you may wish to choose products issued for specific groups, such as "exclusive wealth management products for the elderly" issued by Huaxia Bank. It is reported that Huaxia Bank has launched a series of "Longying Wealth Management" products to increase revenue, which are divided into two categories: open products and closed products. Open products are profit-increasing and daily financial management-oriented enhanced products, which can be purchased and redeemed at any time within the specified time. The product has high liquidity and high yield. For example, at present, the expected annualized rate of return of Tian Tian "Easy Edition" products is 2.6%, while the income of closed products is stable, and the expected annualized rate of return is between 4.3% and 4.9%. It is understood that the subscription starting point of Huaxia Bank's "exclusive wealth management products for the elderly" is usually 50,000 yuan, except for the opening of "daily wealth management"