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Different insurance companies' commercial pension products have their own characteristics, which does not mean that the first insurance company must have good pension insurance. In the final analysis, we should combine our own needs and income, and what suits us is good.
Different people have different incomes and expectations for retirement. Focus on reminding everyone to do the following when purchasing endowment insurance:
Reasonable calculation: know what kind of retirement life you want in your later years, estimate the general living expenses and medical expenses, set aside some leisure and entertainment expenses, and calculate how much you want to spend.
Portfolio: Financial planning is realized through portfolio. We need to calculate what other sources of income there are after retirement. Commonly used may include national pension insurance, housing rental income, commercial pension insurance, bank interest and so on. I believe that as long as you have the awareness of financial planning, you can probably know your current preparations, which are guaranteed benefits, which are not guaranteed benefits, and the risks of each benefit.
Consider inflation: At present, domestic inflation is actually around 5%-6%, so even if you have some cash savings, you should consider the impact of inflation. It seems enough now. Will it be enough in 20 years?
If you don't know how to buy commercial endowment insurance, you can pay attention to finding centralized insurance. We will answer any doubts about insurance with professional knowledge and an objective and neutral attitude, so that it is no longer difficult to buy insurance!