I almost bought pension insurance !! Have you considered insurance and deposit? You must watch it.

My wife contacted youbang insurance, hoping to buy some pension insurance because we are all migrant workers and do not have a local account in Shanghai or a residence permit (Our diploma is not good, but we only have a high school student ), therefore, you cannot enjoy four gold coins. We must prepare for our elder care problems.
They gave us two solutions, both of which are from 28 years old to 48 years old (20 years), and 55 years old (another 7 years) to get the money. :
Solution 1:
Pay 5610 yuan per year (total principal of 112200 yuan), your income is: 177000 (get 20 years of money) + 57511 (get one time at the age of 55) + 35697 (get one time after 65 years of age) = 270208
Note that in this solution, 177000 is guaranteed to be available, and the subsequent money is investment-oriented and does not guarantee income.

Solution 2:
Pay 6356 RMB per year (total principal of 127120 RMB). your income is: 1000 x December x 20 years = 240000 RMB

Well, no matter which solution, we can get at least two times of money, 1000 yuan for our elder care, food and clothing should be no problem, and the monthly expenditure of-is not very large, so we are happy

Sign, OK.

Well, after they leave, I think what will happen if we make a deposit? Is the old parental approach more effective? I pass:

The http://www.icbc.com.cn/calculator/calculator_per.jsp calculates in detail.
I made a deposit like this: I got a deposit for the first five years. After five years, I took all the money, including interest, and I got a deposit for five years. Of course, I will continue to save for five years, my deposit records are as follows:

Below:

Calculated on a monthly basis of 467.5 million (the first scheme is shared on a monthly basis ).
5 years later: 30853.98 (total for zero storage)
10 years later: 30853.98 (total for zero storage) + 39427.53 (total for 30853.98 full storage) = 70281.51
15 years later: 30853.98 (total for zero storage) + 89810.98 (total for 70281.51 full storage) = 120664.96
20 years later: 30853.98 (total for zero storage) + 154194.74 (total for 120664.96 full storage) = 185048.72
25 years later: 236469.13 (185048.72 total storage)
27 years later: 257495.97 (236469.13 two-year total storage)

Oh, my God! The old man's approach is not old, And the Jedi is more cost-effective than buying insurance. There are many advantages:
1. This deposit method is extremely risky, whether it is a withdrawal risk or a deposit risk (you will not lose money if you have no money to deposit );
2. The benefits are better. Although the deposit is a little less than the first scheme, the insurance company does not guarantee that this is certain, but it is obviously more than the second scheme;
3. When you are 55 years old, your money is in your hands, and if you are willing to pay for insurance, you can get 1072.89 yuan a month, but you need to know that I didn't calculate the next 20 years of interest, so you can actually continue to deposit freely. My plan is to continue saving money, but I will pay 1500 yuan a month for living expenses.

5 years: 257495.97 of existing instances, minus 90000 (1500*12*5), 167495.97 of remaining instances are saved for 5 years, and 214038.91 of remaining instances are saved;
10 years later: 214038.91-90000 = 124038.91. The total number is saved for 5 years, and the remaining value is 158506.22;
15 years later: 158506.22-90000 = 68506.22. The total number is 87542.39 for 5 years;
Spend 20 years later. The difference is more than 2500 negligible.

Haha, deposit is 500 more than insurance. Why not use this method ??? Call insurance to cancel the contract.

Supplement:
Of course, I know the inflation problem. I mean it is more cost-effective than insurance. He didn't say that he would consider inflation for you if he took the insurance!
Is there a way to offset inflation? Buy a house? Buy gold? Buy stocks? There is no way to Resist Inflation in the safe way.
27 years ago, 80 yuan was enough to support a person for a month. Now, 1800 yuan is basic. It means 20 times of inflation, so I can calculate 1500/20 in turn, which is equivalent to 75 now. What can I buy? I do not think I can support one person. Just as 80 yuan in 81 years cannot support a person now.
We can never count on national machines. My calculations only represent:Deposits are more cost-effective than commercial pension insurance.
Diversified Investment is a good solution.