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.
Many people say they hate insurance, but what they hate is not insurance, but the feeling of powerlessness in the face of risk itself. Risks are everywhere, so instead of taking them on yourself, it is better to transfer them. Insurance is the most practical risk transfer tool. I don’t force anyone to buy insurance, but you should at least think seriously: when risks come, have you thought about how to deal with them?
Many people mistakenly believe that investment-type insurance policies are very risky. In fact, their risks can be freely adjusted according to personal attributes, and they also have protection functions. With a stable target and a long-term holding strategy, you can not only accumulate assets, but also withdraw them flexibly and use them flexibly. With the help of a dedicated person to adjust, you can plan your life with more peace of mind.
Most people cannot save money because of psychological barriers, including difficulty in delaying gratification, abstract goals, financial anxiety, etc., which make people feel that saving money is like continuous bleeding and despair. If you can design a system that "makes you happier the more you save money", such as giving yourself interest rewards regularly, you can make saving money easy and natural, and start the rich mode of making money from money.
The insurance industry often promotes "direct inheritance" as the best tax rate, but it may not be suitable for all situations. If there is a need for reinvestment, it is more advantageous to adopt the purchase and sale inheritance and make a high-value registration, especially for real estate in urban planning areas. The real asset allocation should consider the loan amount, tax burden and future cash flexibility. It cannot only rely on SOP, but should start from the overall situation of the customer and plan the best solution.
The biggest risk in investing is yourself! The current depreciation of the Taiwan dollar is in a "cat-shaped trend", and the US dollar is expected to rise by 9.3% when it returns to its historical average price. Entering the market at this time, combined with steady annual investment and compound interest effects, can greatly enhance asset growth. Exchange rates can only be earned once, but compound interest can be earned for a lifetime. Don't wait until you have money to save money. Now is the best time to start. Only by choosing the right products and finding the right planner can you truly move towards financial freedom.
