<p ><span ><span >问了身边已退休的公务员叔叔阿姨，发现他们的退休工资比我想象的还要高，身边的公务员朋友，缴纳五险一金的比例也是拉满，交的时间也长。而在体制外，很多公司为了节约成本，以最低缴纳比例去交，如果老换单位的话，长期下来缴费时间也没有体制内长，那这么说，<strong>想拿高退休工资，只有进体制这一条路吗？</strong></span></span></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXumXjCMctHkJ4BDEwHOkEu1Xjic6zgYqVauOIzdjDuhxYPCYw8ojQu77LYsKjt5fCX77vJqf4RBibj6Q%2F640%3Fwx_fmt%3Dwebp" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXumXjCMctHkJ4BDEwHOkEu1Xjic6zgYqVauOIzdjDuhxYPCYw8ojQu77LYsKjt5fCX77vJqf4RBibj6Q/640?wx_fmt=webp" alt="懂保爷测评配图" loading="lazy" /></p><p ><span style="color: rgb(255, 79, 121)">当然不是。</span><span ></span><o:p></o:p></p><p ><span ><span >各位和我一样在外漂泊的朋友，一定要认真看完这篇文章，下面这个方法，也能让你<strong>实现“公务员”式退休</strong>。</span></span><o:p></o:p></p><p ><span >首先第一点就是坚持交社保</span><span >，这是大家最基础的保障，要领取养老金，需要<strong>至少缴纳满15年,</strong>缴纳越多，缴纳越久，将来领的越多，交社保满</span><span style="color: rgb(255, 79, 121)">20年</span><span >或<span style="color: rgb(255, 79, 121)">25年</span>，还可以享受终身医保报销待遇。但是社保养老金实行的是<strong>“现付现收制”</strong>，即当下的年轻人交钱，给当下的老人养老。并不是现在年轻的自己，直接给将来年老的自己交钱养老，人口老龄化、少子化趋势，<strong>未来社保养老金额很不确定</strong>。</span></p><p ><span style="color: rgb(255, 79, 121)">还有一个点，</span><span ><strong>我们这些生活在互联网时代的人，非常看重生活质量，</strong>再不会仅仅追求温饱，我们想要的是能旅旅游、度度假的休闲养老生活，需要养老的费用也大大增加，<strong>只靠国家发的社保金养老不太现实。</strong></span></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXumXjCMctHkJ4BDEwHOkEu1XCyT1DALnSwaWzJibnnkerm8Uo7FxFia7xNmic5f4PvjMldBfJUnvVRtsg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXumXjCMctHkJ4BDEwHOkEu1XCyT1DALnSwaWzJibnnkerm8Uo7FxFia7xNmic5f4PvjMldBfJUnvVRtsg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><p ><span >这就还需要第二点：商业养老金的补充</span><span >，它的原理，也是前期缴费，到了约定的年龄，按年或按月领钱，不用费心打理，超级合适懒人。拿<span style="color: rgb(255, 79, 121)">30岁</span>A女士为例，她就用这个方法给自己备下了<span style="color: rgb(255, 79, 121)">263万+</span>的养老费，怎么做到的呢？只要每年存<span style="color: rgb(255, 79, 121)">5万</span>，存到这款养老年金里面，交<span style="color: rgb(255, 79, 121)">10年</span>，约定<span style="color: rgb(255, 79, 121)">60岁</span>开始领取。</span></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXunPAp2MoTKdx8VTOmKBYkPvgWYZ4Fsg8pXPL5B8piavH2fMicACM4DpiafQ29RGERV0NQKc90Y2Qiblrw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXunPAp2MoTKdx8VTOmKBYkPvgWYZ4Fsg8pXPL5B8piavH2fMicACM4DpiafQ29RGERV0NQKc90Y2Qiblrw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><span >到<span style="color: rgb(255, 79, 121)">60岁</span>时每年都可以领取<strong><span style="color: rgb(255, 79, 121)">64250元</span></strong>的养老金，账户里的金额已经达到接近<span style="color: rgb(255, 79, 121)">90万</span>元。到<span style="color: rgb(255, 79, 121)">67岁</span>，已经领取了</span><strong><span style="color: rgb(255, 79, 121)">514000</span></strong><span >元，<span style="color: rgb(255, 79, 121)"><strong>7年</strong></span>领回本金的同时，账户竟然还剩下<strong><span style="color: rgb(255, 79, 121)">741470</span></strong>元！富多多1号后期的身故金=退保金，不管中途身故还是退保，账户的现金价值都是可以拿出来的，<span style="color: rgb(255, 79, 121)">80岁</span>，咱们领走近</span><span ><strong><span style="color: rgb(255, 79, 121)">135万</span></strong></span><span >，<span style="color: rgb(255, 79, 121)">90岁</span>领走近</span><span ><strong><span style="color: rgb(255, 79, 121)">200万</span></strong></span><span >，收益已达保费的<strong>四倍</strong>，账户里仍有不少余额！到<span style="color: rgb(255, 79, 121)">100岁</span>总领取金额已达</span><span ><strong><span style="color: rgb(255, 79, 121)">263万+</span></strong></span><span >，用50万撬动百万收益，只要活得久就能一直领下去。这就是通过<strong>“时间换空间”</strong>的设计，让<span style="color: rgb(255, 79, 121)"><strong>高领取、高现价、高身价</strong></span>保障集于一身。</span><o:p></o:p></p><p ><span ><span >需要特别提醒的是，<strong>商业养老年金领钱不受国家政策影响，</strong>比如以后政策规定延迟到65岁退休，也可以在<span style="color: rgb(255, 79, 121)">55岁</span>领钱。并且也是终身现金流，活多久领多久，对打长寿风险。刚性兑付，保险法保障，银保监监管，收益是明明白白写在合同里的。这款<span style="color: rgb(255, 79, 121)"><strong>富多多1号</strong></span>，领取规则也非常灵活，能年领和月领，在领取前都可以变更，<strong>在同类型养老年金产品中真的属于顶级水平了。</strong></span></span><o:p></o:p></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXumXjCMctHkJ4BDEwHOkEu1XeCD0cLicgQfJTPbrHN0KthVJ3h8MZ9dZKveW7rUKJ1pJwor8zcXPy8A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXumXjCMctHkJ4BDEwHOkEu1XeCD0cLicgQfJTPbrHN0KthVJ3h8MZ9dZKveW7rUKJ1pJwor8zcXPy8A/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><p ><span ><span >按照这两步骤，趁着还有赚钱能力时，努力搬砖，<strong>靠自己准备双份养老金</strong>，双管齐下，不考编考公也能实现公务员式退休。月领<span style="color: rgb(255, 79, 121)">10K＋</span>，这才是退休生活该有的安全感。富多多1号不同的年龄和缴费方案，领取的金额也不尽相同，IRR复利收益在某些年龄和缴费期下能超过<strong><span style="color: rgb(255, 79, 121)">4%</span></strong>，感兴趣的朋友欢迎找我免费测算。</span></span></p><p ><span ><span ><span >我是懂保爷</span><span >Ellie</span><span >，我和我的团队专注养老规划和资产配置，你有任何保险方面的问题，随时找我，希望能对你有帮助。</span></span><span ><o:p></o:p></span></span></p><p ><span ><span ><span ><br /></span></span></span></p><section style="color: rgb(0, 0, 0); text-align: center"><span style="color: rgb(255, 79, 121)"><strong ><span ></span></strong></span></section><section style="color: rgb(0, 0, 0); text-align: center"><span style="color: rgb(255, 79, 121)"><strong ><span ></span></strong></span></section><section style="color: rgb(0, 0, 0); text-align: center"><span style="color: rgb(255, 79, 121)"><strong ><span >任何时候，扫码可以找到我们~</span></strong></span></section><section style="color: rgb(34, 34, 34); text-align: center"><span ><strong ><span ><span >【<span >理财+养老+保险</span>】</span> 1对1咨询绿色通道</span></strong></span></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXumICRCicytKuF3yRAdqEQlJwIZk67icGtD2WYmTrE5NKkBMuKJtmKZtlFjM4WV0Pqv6shKnSOpv1Tvw%2F640%3Fwx_fmt%3Djpeg%26wx_%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXumICRCicytKuF3yRAdqEQlJwIZk67icGtD2WYmTrE5NKkBMuKJtmKZtlFjM4WV0Pqv6shKnSOpv1Tvw/640?wx_fmt=jpeg&wx_&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(136, 136, 136)"></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(136, 136, 136)"></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(136, 136, 136)">看一看保姑的其他文章：</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span >【财富认知】</span></section><h1 style="color: rgb(34, 34, 34); text-align: left"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247487450&idx=1&sn=8994ca580154c5f98f84886e9caf7d51&chksm=e889fcbbdffe75ad5e1e76a6cd44054272f40140aa91a5511502fab39b4f6561fb4de90d8483&scene=21#wechat_redirect" textvalue="10个买保险，8个踩坑" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" style="color: var(--weui-LINK)"><span >10个买保险，8个踩坑</span></a></h1><h1 style="color: rgb(34, 34, 34); text-align: left"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247487380&idx=1&sn=362a43aa8cd989577f52cb9b762fb189&chksm=e889fcf5dffe75e3a1056209b1702d4a47822a5f920c45341284d6a66f438830cae64d5ac0f0&scene=21#wechat_redirect" textvalue="弘康利多多2号花式回归，这次值得买吗？" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" style="color: var(--weui-LINK)">弘康利多多2号花式回归，这次值得买吗？</a></h1><section style="color: rgb(34, 34, 34); 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text-align: left"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484371&idx=1&sn=95320135d7d6f05bc46ea76d17a551f8&chksm=e889f0b2dffe79a4701425e236be306fe66101f8071d812eaef8c67ed4e67c9a1b9366a3bde3&scene=21#wechat_redirect" textvalue="致歉+找保姑投诉入口" linktype="text" imgurl="" imgdata="null" tab="innerlink" wah-hotarea="click" hasload="1" style="color: var(--weui-LINK)"></a></section><section style="color: rgb(34, 34, 34)"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif&wxfrom=5&wx_lazy=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /><span style="text-align: left"> <span style="color: rgb(136, 136, 136)">点击</span></span><span style="text-align: left; color: rgb(120, 172, 254)">阅读原文</span><span style="text-align: left; color: rgb(136, 136, 136)">，是我精选推荐的产品。点亮</span><span style="text-align: left; color: rgb(120, 172, 254)">“在看”</span><span style="text-align: left; color: rgb(136, 136, 136)">，文章会被更多推荐，谢谢您！</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="text-align: left; color: rgb(136, 136, 136)"></span></section><p ></mp-style-type></p>
