I heard that there is still a hole in the annuity insurance. Is it true? "annuity insurance can be seen but not touched, annuity insurance pit prevention guide!" 》
1. Make a pension
Relying only on social security to provide for the aged is far from enough for the pursuit of a comfortable and comfortable old age. If we want a decent retirement, we need to plan ahead:
Either saving+financial management to ensure that we have sufficient cash reserves; Either buy annuity insurance on the premise of having the ability to pay, and you can receive a stable pension after retirement.
2. Do children's education fund
If we plan to provide superior educational resources for our children, taking going abroad as an example, then we need to spend a lot of educational expenses for many years.
If only saving is not mandatory, and the bank interest rate is relatively low, annuity insurance is a better choice.
3. Inheritance of wealth
For high-net-worth people, if they leave future generations with other assets such as real estate and stocks, not only the inheritance process is extremely complicated, but also inheritance tax may be charged.
Therefore, by purchasing high insurance, we can achieve the purpose of wealth inheritance and reasonable tax avoidance.
Step 4 protect private ownership
Insurance also has the function of protecting personal private assets in the event of debt settlement, asset freezing and marriage reorganization.
Annuity insurance not only provides old-age security, if you invest in children, similarly, after 10 years, children's money for going to school, buying a house and getting married can be withdrawn from compound interest income, whether it is one-time or phased withdrawal, which is convenient, safe and worry-free.
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