Miss CHOW : I am still very young and would like to own buying point for old-age insurance, the total worried decades later if there is inflation, pensions depreciation how do?

Fund China: Indeed, inflation is a reality, even if not to buy insurance, the money in banks, inflation at the same devaluation. If you want your retirement future without lowering the quality of life, there are sufficient funds to enjoy their old age life, So the important thing is, do pension planning, diversification of risk to ensure that pension funds and increasing their value.

Personal pension plan, buy commercial pension insurance is the most important way. As old-age pension insurance premiums higher, a poor choice could easily become an economic burden. Experts suggest that individuals should fully consider the current income level, and in conjunction with their day-to-day expenses, the expected future life. inflation and other factors reasonably choose to buy commercial pension insurance, they enable access to the supplementary pension accounts for all the future pension costs of 25% -40%.

In selecting commercial pension insurance, we must first pay attention to product function, ensure their own retirement remains a stable income. In addition, the purchase of old-age insurance, while some may wish to mix accidents, serious illness insurance to help themselves more fully to withstand risks; The second is to focus on space, the future depends on whether the pension plan to meet the consumption levels. For example, to withstand the impact of inflation, there are two ways : First, the purchase of investment-oriented insurance products. Such products yield is directly proportional to the rate of inflation, can be used to eliminate the impact of inflation, the drawback is the safety word, deflation in the yield is relatively low; Second, incremental purchase annuities. Incremental annuity payments over time gradually increased; Finally, it should be insured as soon as possible, the younger the learning process, insuring lower prices, their burden the less.

Of course, the pension plan would not formulate a simple one-sided reliance on a single channel, but also with their families should be practical, targeted to choose other investment channels, pay attention to safety and mobility.

Copyright Fund China 2009.

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