Kim Jin-cheng to deal with inflation sharp weapon

Chen Tianxiang Survey shows that 90% people worry about future retirement. At the same time, the social aging phenomenon has been emerging, the degree is still deepening. Most elderly people do not have the capacity to produce, only consumption, they must spend their savings to obtain a safe and secure life.　　With the social changes, and the changes in the family structure, the inherent traditional ethics, filial piety values gradually fade, the idea of relying on children to live the old, will be more challenges.　　"People don't plan to fail, but often fail in the absence of good planning." It is the old people's motto, a huge retirement costs, if not in the young start planning, preparation, implementation, and after a long time accumulation of compound interest, then there is no doubt that after retirement will face life dilemma. The main reasons for the lack of financial resources after retirement may come from three aspects: first, longevity risk, which means that the retirement financial resources may not be sufficient to support the endowment, and then the risk of investment, that is, the change of interest rates,　　Inadequate investment decisions or poor stock market performance are not sufficient for pensions, and finally the risk of inflation, which is due to lower purchasing power as a result of inflation, which indirectly increases the cost of retirement and leads to inadequate retirement resources. "Therefore, in the risk management and planning for retirement life, we must consider two important principles, one is that the cumulative period should be actively engaged in efficient investment; "In fact, the benefits of an annuity are guaranteed by having fixed-term income, the disadvantage of which is that constant amounts are susceptible to inflation and reduce real purchasing power, which is exacerbated by the steady growth in average life expectancy," said a company official.　　In order to overcome this shortcoming, the variable annuity comes into being, and this kind of ideal product has just appeared in the domestic market. "The purpose of the variable annuity is to hedge against inflationary effects to ensure that the actual value of the annuity is paid in real terms," the person said. Variable annuity is to invest the accumulated cash value in various investment instruments, it is not like the traditional annuity guarantee will pay the average payment of the fixed amount, but the promise is the long-term change of payment to reflect the market value of investment assets, its value can reflect consumer prices and living expenses fluctuation. Variable annuities link the accumulation and payment of funds with investment, thus providing a source of income that has been adjusted for a long time with inflation. "The general fixed-type annuity insurance, the principle of the use of funds is" stability "; and the capital use of the variable annuity, on the basis of" stability ", pay more attention to ensure the actual value, while more emphasis on the acquisition of long-term profitability, so that the variable annuity and the traditional annuity clearly divided treatment, can be active and concentrated investment in stocks,　　Secondly, the capital gains can be returned to the policyholders directly and comprehensively to counter the risks caused by the decrease of real purchasing power due to inflation. In fact, the main point of variable annuity is different from other products, one is to include the plan of life insurance allowance and the second is the guarantee during the period of payment.Certificate payment system, for the existing life insurance protection, low family responsibility of the single family, the Empty nest family and other consumers, guarantee payment system through the insurance operation to ensure that there is a stable source of retirement income, through the insurance company to provide a trial system, the goal-oriented way to bring all kinds of assumptions into the trial system to do annuity amount of security inventory management.