An old man in Japan who lived a frugal life and saved tens of millions of dollars for retirement felt deeply regretful after his wife passed away because he never enjoyed life properly. Money is important, but memories and companionship are more priceless. While you are healthy and able to walk, don't forget to use money to create good times. Knowing how to save and how to spend is the true financial freedom.
Annuity insurance is a type of retirement financial management insurance. When you reach a certain age, you will start to receive a "stable cash flow" on a monthly or annual basis as financial support for your retirement life. It is suitable for people who plan for retirement early and want to receive more money the longer they live. It is not only a tool for saving retirement funds, but also a good helper for transferring longevity risks.
Taiwan's insurance industry has a low entry barrier, which makes its image vulnerable. On the other hand, bank account managers are regarded as representatives of professionalism, but they often make people buy unsuitable investment products. The title does not represent professionalism. The key lies in whether the other party really cares about you and has the ability to logic and integration to make a good plan.
Q3: Are annuity insurance and retirement benefits the same? A: Retirement benefits are institutional income that is passively received from the company or government you work for; whereas annuity insurance is an active personal retirement plan. After retirement, you may face risks such as longevity, inflation, and medical expenses. Annuity insurance guarantees a stable source of income and provides more flexible planning and supplements to help you gain more financial autonomy.
[1688 Birthday Gift Project] is a long-term red envelope savings plan designed for children. With a small monthly investment, children can receive red envelopes and blessings every year on their birthdays. This can be accumulated from elementary school to graduate school, helping them develop financial management concepts, and can be used as a fund for studying abroad, starting a business, or getting married in the future.
Taiwan has a low birth rate, but the growth of children is still a testimony of happiness. The only hardship is the high cost of education. For this reason, I provide a set of education fund savings plan. As long as you participate, you will be given 1 million to 5 million education funds to help your children study all the way to graduate school. If you want to know how to do it, please contact me!
I choose to use online meetings to elegantly engage in insurance business. I don’t rush to sell or put pressure on customers. I first discuss the logic of insurance, allowing them to freely think about whether it is suitable before deciding whether to sign the contract. This not only respects professionalism, but also saves time and effort. Partners who like to learn and pursue quality of life are welcome to join me. Together, we can operate insurance, accumulate trust, and create an ideal retirement life in a non-burning but stable way.
Q2: What is the difference between retirement planning and general insurance? A: In general insurance, it is often said: "Don't be afraid of ten thousand, just be afraid of one!" Retirement planning is not only about risk transfer, but also pays more attention to the stability of long-term cash flow and the flexibility of asset allocation. By using appropriate financial tools, through steady asset accumulation and cash flow management, you can move towards an ideal retirement life step by step.
Q1: Can insurance really help plan for retirement? A: Life insurance, annuity insurance, participating policies, investment-type insurance products, etc. can help create a stable cash flow, risk transfer and tax optimization. As long as you follow your personal risk assessment, discuss with professional risk control managers, and make good use of different tool combinations, you can easily achieve retirement planning.
When you see that the ETF has a stable annual return of 6%, don't rush to open leverage and rush into the market! After deducting the handling fee, interest tax and inflation, the actual amount in your pocket may be less than 5%. If you still use credit investment, the interest rate spread is meager and the risk is doubled, which will make you become a leek swallowed by inflation. It is recommended for beginners to use spare money and make a long-term and stable layout.
