Never buy commercial pension insurance, as insurance companies will make all the money out of it. Today I’m going to do the math for you. What are the benefits of commercial pension insurance? What insurance is commercial pension insurance? It can be summed up in eight words: pay it forward when you are old and pay it for life.

Paying it when you are old means that the pension will not start until you reach the agreed age. The kind of pension that can be obtained anytime and anywhere will not be able to support you in old age. It is impossible for a normal person to let a sum of money sit there for decades. Whenever you have money, you will start thinking about it, whether it is to buy a new car or buy a house. Let alone save more than ten years for retirement, even if you can save it for more than ten years. You are awesome

The pension will be paid for life, which means that as long as you are alive, the pension will continue to be paid, and it is unchangeable. It will be paid to 80 when you live to 80, and it will be paid to 120 when you live to 120. Only in this way can we ensure that you will not encounter the anxiety of losing your money while your people are still there. This kind of insurance can be regarded as commercial pension insurance. So what are its benefits? Let’s give an example. The Yangduoduo No. 2 pension annuity insurance has always been very popular in the market. If I am 30 years old this year, I will pay 20,000 yuan per year and I will pay it for ten years until I am 60 years old. You can receive 29,000 yuan every year. The internal rate of return can reach 3.24% when you are 80 years old, 3.92% when you are 90 years old, and 4.26% when you are 100 years old. The longer you live, the higher the rate of return will be. This level of income Low?

Let’s compare. Most people use bank time deposits for financial management. The five-year interest rate is 2.75%. Some people may use banks for financial management. However, in the past two years, everyone also knows that financial management products The fluctuations are not small, and the returns often fail to meet expectations. The nominal 4% is obtained by 2%. Some people may buy funds, like myself, and the long-term return rate can exceed this level, but they also have to bear the risk of volatility, and they also need to spend more time and energy learning.

As for those investment gods who often earn 20% returns, you may not really need commercial pension insurance. You may have to check whether the principal is safe. Looking at it now, is this level still low? I'm afraid it's beyond the reach of most people. Of course, I also need to clarify that not every insurance can achieve such results. You need to keep your eyes open and don’t rely on your feelings when it comes to financial management. Numbers are always more powerful.