Every encounter is a practice
Every encounter is a practice
An old man in Japan who lived frugally all his life and saved tens of millions for retirement felt deeply regretful after his wife passed away because he had never enjoyed life well.
Money is important, but memories and companionship are more priceless.
While you are healthy and able to move around, don’t forget to use your money to create quality time.
Knowing how to save and spend is the true financial freedom.
Annuity insurance is a type of retirement financial management insurance. After reaching an agreed age, you will start to receive a "stable cash flow" on a monthly or annual basis as financial support for your retirement life.
Suitable for people who plan for retirement early and receive more benefits the longer they live.
It is not only a tool for saving retirement funds, but also a good helper for transferring longevity risks.
Q3: Are annuity insurance and pension the same?
A: Pensions are institutional income that is provided passively by the company or government you work for, while annuity insurance is an active investment 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 specifically for children.
With a small monthly investment, your children can receive red envelopes and blessings on their birthdays every year. The money can be accumulated from elementary school to graduate school to help them develop financial management concepts. The money can be used as a fund for studying abroad, starting a business, or getting married in the future.
Taiwan's birth rate is low, but the growth of children is still a testimony to happiness. The only hardship is the high cost of education.
To this end, I provide an education fund savings plan. As long as you participate, you will receive 1 million to 5 million in education funds to help your children graduate from graduate school.
If you want to know how to do it, please contact me!
I chose to use online meetings to deal with insurance elegantly. I didn’t rush to sell or put pressure on customers. I first discussed the logic of protection, allowing customers to think freely about whether it is suitable and then decide whether to sign the contract.
This not only respects professionalism, but also saves time and effort.
Friends who like to learn and pursue quality of life are welcome to join me. Together, we can manage 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: Generally speaking, insurance companies often say, "Don't be afraid of ten thousand, just be prepared for the one that comes!"
Retirement planning is not just about risk transfer, it also focuses on the stability of long-term cash flow and the flexibility of asset allocation.
By using appropriate financial management tools, through steady asset accumulation and cash flow management, you can move step by step towards your ideal retirement life.
Q1: Can insurance really help plan for retirement?
A: Life insurance, annuity insurance, participating policies, investment-type insurance and other insurance products can help create stable cash flow, transfer risks and optimize taxes.
As long as you follow your personal risk assessment, discuss with professional risk management managers, and make good use of a combination of different tools, you can easily achieve your retirement planning.
When you see that the ETF has a stable annual return rate of 6%, don’t rush to use leverage and rush into the market!
After deducting the handling fees, dividend tax and inflation, the actual amount in your pocket may be less than 5%.
If you still use credit investment, the interest rate spread will be very thin and the risk will be doubled, which will make you become a leek swallowed by inflation.
It is recommended for beginners to use spare money and make long-term and stable plans.
Many people say that they hate insurance, but in fact what they hate is not the insurance itself, but the feeling of powerlessness in the face of risk itself.
Risks are everywhere. Instead of bearing them yourself, it is better to choose 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 about this: when risks arise, have you figured out how to deal with them?
