October 31st, 2009 
youhan European and American developed countries, "first after the old" On the contrary, China is a typical "not rich first, the old" type countries, population aging and the basic old-age insurance business a long time the status of income over expenditure, decided to meet only a portion of social security a lower level of pension needs of people. Allianz China Life financial experts suggest that the issue as soon as possible pension plan, the sooner the investment, the higher earnings.
Big difference between return on investment sooner or later,
For young people, after 70,80, pension pressure still is prominent, as most people are only one child, not only to bear the children, support the important task of their parents, but also face increasing pressure from high prices. According to Allianz forecast, assuming 30-year-old young people living and working in Shanghai, 2,500 yuan a month living expenses for the retirement age of 60, when about 6,000 yuan needed to maintain similar quality of life, that does not include himself and family's medical expenses, travel, New Year's money and other social spending.
So, when it considered the best old-age pension? For example, point of view, 30-year-old Mr. Han intend to buy insurance, pension plan, alternatives, there are two, one from now on, an annual investment of 6000 yuan, the investment period of 10 years; second, after 10 years of investment, the annual investment amount and investment horizon are the same. To invest 5% annual return is calculated, can be found, to his 65 years of age, the accumulation of capital is 268,000 yuan respectively, and 16.4 million, the difference between the latter and the former are as much as 100,000 yuan.
Rational choice financial instruments
Allianz China Life financial experts, rational use of financial instruments can effectively resolve the pension pressure. Currently on the market to choose from an increasing number of financial instruments, in a variety of financial instruments, the most common are bank savings and bonds, its biggest feature is the capital security, access and flexible use, but the benefits are affected by the recent interest rate . In recent years, the money market has been in a decline in interest rates range, the bank's assets and even the possibility of devaluation, to one-year deposit rate, for example, in 1990, 10.08%, while currently only 2.25%.
Stock returns seem high, but with a very high risk, is generally not recommended as a major part of retirement planning. Compared with the savings, insurance can provide working capital for decades, usually in order to insure a guaranteed interest rate when the interest rate of reference, and therefore investment in higher interest rates benefit the most; Second, the insurance had been "semi-compulsory savings" function can avoid the uncertainty of the use of funds, so that funds for the purpose; most importantly, the insurance can provide risk protection, unfortunately, accidents can be obtained from insurance to obtain an amount greater than the investment of insurance fund in order to meet their urgent needs.
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