通货膨胀，利率下行，普通人如何解决理财和养老危机？

<p style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447790313&amp;idx=2&amp;sn=55e0cf403a3327c58f7dfcc77ea888c8&amp;chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&amp;scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink" hasload="1" ><span ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsBmdMDfTbVIBLuibYAPdgKRvuNfDEyaSmKSySJEC1RlbxHwicLyLu4lgiclLic880da5NJGuBicgO3NgQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsBmdMDfTbVIBLuibYAPdgKRvuNfDEyaSmKSySJEC1RlbxHwicLyLu4lgiclLic880da5NJGuBicgO3NgQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></span></a></p><p style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span></p><p><br /></p><section ><span >今天保爷跟大家聊个看似比较长远的问题——<strong>养老</strong>。</span></section><section ><span ><br /></span></section><section ><span >养老问题其实在我们年轻的时候就需要开始准备。</span></section><section ><br /></section><section ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong>一、养老问题显现</strong></span></section></section></section></section></section></section><section ><br /></section><section ><span >大家都有交社保，社保里面有一项是<strong>养老保险</strong>。</span></section><section ><br /></section><section ><span >就是我们每个月交一笔钱给国家，等我们到了退休的年龄后，开始领取养老金。</span></section><section ><span ><br /></span></section><section ><span >不知大家是否看过我国养老金缺口的新闻：<br /></span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsBmdMDfTbVIBLuibYAPdgKR02dC4GaJAeCsD2fz6QFiboicKZJZeOnDRNVh4ZX7xYdjq0gWtiasEspJw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsBmdMDfTbVIBLuibYAPdgKR02dC4GaJAeCsD2fz6QFiboicKZJZeOnDRNVh4ZX7xYdjq0gWtiasEspJw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >根据中保协发布的报告称：我国未来5-10年，会有<strong>8-10万亿</strong>的养老金缺口，并且这个缺口还会随着时间的推移进一步扩大。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">也就是说，我们国家的养老金不够用了。</span></section><section ><span ><br /></span></section><section ><span >所以，国家近段时间开始推动“<strong>延迟退休</strong>”计划。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">一方面是因为人均寿命增加，另一方面也是因为国家的养老金不够用了，所以能推迟一点就推迟一点。</span></section><section ><br /></section><section ><strong><span >未来的养老问题是越来越严峻，我们得提前为自己的老年生活做好储备。</span></strong><span ><br /></span></section><section ><br /></section><section ><span >通货膨胀大家都知道，所以存钱养老肯定不划算，钱越来越不值钱、贬值！<br /></span></section><section ><br /></section><section ><span >有理财意识的人会把自己的钱拿去投</span><span >资理财，但是现在时代已经变了！</span><br /></section><section ><br /></section><section ><span >理财也没有那么简单。</span></section><section ><span ><br /></span></section><section ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong>二、我们应该怎么去理财？</strong></span></section></section></section></section></section></section><section ><br /></section><section ><span >关于理财，有很多种方式，最常见的就是：<strong>余额宝</strong></span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsBmdMDfTbVIBLuibYAPdgKRbdQB97emHdGic75xtT7VKq7SAGzwXXLbe5cthJSqBdz5hcSTOOToO6g%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsBmdMDfTbVIBLuibYAPdgKRbdQB97emHdGic75xtT7VKq7SAGzwXXLbe5cthJSqBdz5hcSTOOToO6g/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >余额宝从几年前6%，7%，一路下滑，前段时间甚至一度跌破1.5%，如今也只是在<strong>2.1%</strong>左右徘徊<span >。</span></span></section><section ><br /></section><section ><span >除了余额宝，就连银行的基准利率也是一降再降。</span></section><section ><span ><br /></span></section><section ><span >保爷整理了一份<strong>低风险储蓄理财</strong>产品的现状，大家可以看下：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuAI5hOFBcUbveia7XnXYBguiaw2U3DOKas4bibGRUZEwwT4mCqyTEQiaL6oBYXYJh2HYTt0bibB7GSv0g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuAI5hOFBcUbveia7XnXYBguiaw2U3DOKas4bibGRUZEwwT4mCqyTEQiaL6oBYXYJh2HYTt0bibB7GSv0g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >&nbsp;</span></section><section ><span >六年间，一年期定期存款利率下降41.6%；</span></section><section ><br /></section><section ><span >余额宝年化收益率下降77.6%，</span></section><section ><span ><br /></span></section><section ><span >储蓄型保险的最高预定利率还算坚挺的，但是也呈下降趋势。</span></section><section ><span ><br /></span></section><section ><strong><span >低风险理财</span></strong><span >除了上面说的之外，还有大额存单、国债、住房、黄金等。</span></section><section ><span ><br /></span></section><section ><span >像股票，股票型基金，投资连结保险，期货这些呢，就是完全</span><strong >不稳定博收益的高风险投资方式</strong><span >，可能收益很高，但也可能亏的血本无归。</span></section><section ><span ><br /></span></section><section ><span >有些人不懂这些，会胡乱的配置。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span >所以保爷做了个<strong>家庭资产配置图</strong>：</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztJttWP60pjgwiaRibXkia1EicB6GA2xgSm0bJuUrLEsuzPdWEkJ6NyjhNicVJ3WibkwyiaUibYYPGicfiamH5A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztJttWP60pjgwiaRibXkia1EicB6GA2xgSm0bJuUrLEsuzPdWEkJ6NyjhNicVJ3WibkwyiaUibYYPGicfiamH5A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><br /></section><section ><span >我们可以把家庭财富分为5份：</span></section><section ><span ><br /></span></section><ul ><li ><p>日常消费要用的钱；</p></li><li ><p>备用应急的钱；</p></li><li ><p>保命增值的钱；</p></li><li ><p>闲余博弈的钱；</p></li><li ><p>保“险”的钱<span style="color: rgb(136, 136, 136)">（配置4大保障型保险的钱，<strong>重疾险、百万医疗险、定期寿险、意外险</strong>）</span>。</p></li></ul><section ><br /></section><section ><span ><strong>把钱分到不同的岗位上，然后产生相应的作用。</strong></span></section><section ><span ><strong><br /></strong></span></section><section ><span style="color: rgb(136, 136, 136)">简单来说理财是花钱让钱干活，</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">我们需要让钱干哪些活，就是我们的需求。活干的好不好，就是我们的理财能力。</span></section><section ><br /></section><section ><span ><strong>这5份钱具体分多少比例，要根据自己的消费习惯和所处的人生阶段来分，不能一概而论。</strong><br /></span></section><section ><br /></section><section ><span >这张图，知识点很多，具体回头我专门写文章给大家看。<br /></span></section><section ><br /></section><section ><span >今天，我们主要讲的是</span><strong><span >：“保命增值的钱”，</span></strong><span >也可以理解为</span><strong><span >“养老的钱”。</span></strong></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">保命增值的重点在于，必须保本，必须增值。</span></section><section ><br /></section><section ><span >短期来说，赶紧去找找年化利率在3-4%左右的保本稳定收益的理财产品，目前还不难。</span></section><section ><br /></section><section ><span ><strong>长期来看，在整体利率普遍下行的大趋势下，投资一些能长期锁定利率，并且可以复利增长的理财产品更加明智。</strong></span></section><section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztJttWP60pjgwiaRibXkia1EicBd5g1RDxcxFh3p46DeyiakKv0JXMHq4t1t6bOqAqTTEpNvXibwIiaibTbSw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztJttWP60pjgwiaRibXkia1EicBd5g1RDxcxFh3p46DeyiakKv0JXMHq4t1t6bOqAqTTEpNvXibwIiaibTbSw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><br /></section><section ><span ><strong>除了锁定利率，还要复利增值。</strong><br /></span></section><section style="text-align: center"><br /></section><section ><span >复利的威力可能我们自己都不敢想象，<span >举个例子，本金100万，按4%复利增长滚动的情况下<span style="color: rgb(0, 0, 0); text-align: start">▼</span>：</span></span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztJttWP60pjgwiaRibXkia1EicBZrGIoyiaLYjk8miaKBPUIueADe9BpVMvoA5r4wPI4dW0NRR3ws56Gpbg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztJttWP60pjgwiaRibXkia1EicBZrGIoyiaLYjk8miaKBPUIueADe9BpVMvoA5r4wPI4dW0NRR3ws56Gpbg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">本金100万</span></section><section ><span style="color: rgb(136, 136, 136)">经过10年，变成148万，相当于单利4.8%；</span></section><section ><span style="color: rgb(136, 136, 136)">经过20年，变成219万，相当于单利6%；</span></section><section ><span style="color: rgb(136, 136, 136)">经过30年，变成324万，相当于单利7.5%；</span></section><section ><span style="color: rgb(136, 136, 136)">经过40年，变成480万，相当于单利9.5%。</span></section><section ><br /></section><section ><span ><strong>如果有一个理财产品，能保证本金的安全，并且还是锁定的长期复利，也没有风险，还能灵活取用。</strong></span></section><section ><br /></section><section ><span >这就是我们理想的储蓄理财产品，也符合我们大多数人的<span >长期理财和养老需求。</span></span></section><section ><span ><br /></span></section><section ><span >这样的产品，还真的有，它就是——<strong>增额终身寿险</strong>。</span></section><section ><span ><br /></span></section><section ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong>三、什么是“<strong>增额终身寿险</strong>”？</strong></span></section></section></section></section></section></section><section ><br /></section><section ><span >它是一个寿险产品，也是一个储蓄理财型产品：<br /></span></section><section ><br /></section><section ><span ><strong>1. 作为寿险，保额持续增长，越到后期翻倍越多，用于资产传承性价比很高。</strong></span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztRn0CHtng4ibcKuleLDfNicibE6Vuc20Hro0zruemiakHrcBLwNjX6dcbCkxiaLVcicGxoGQiaJTrTzlIGA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztRn0CHtng4ibcKuleLDfNicibE6Vuc20Hro0zruemiakHrcBLwNjX6dcbCkxiaLVcicGxoGQiaJTrTzlIGA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >&nbsp;</span></section><section ><span >上面这个绿色线是增额终身寿险的保额走势，我们明显能看到：&nbsp;</span></section><section ><span >&nbsp;</span></section><section ><span >虽然前期保额较低，<strong>但<strong >中后期涨的很快</strong><span >，最后能超过已交保费的很多倍。</span></strong></span></section><section ><br /></section><section ><span >通常来说，越到后期死亡概率越大，所以用于资产传承比普通的定额终身寿险要更优秀。</span></section><section ><br /></section><section ><span ><strong>2. 作为理财险，一直花，一直有，需要用钱就取出来用，像活期账户；暂时不需要用钱就留着继续复利增值，不用担心越老越没钱。</strong></span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztJttWP60pjgwiaRibXkia1EicBtVice1ynnhica0kGYxFnSu3y9myhqXvjXu3icXJw8Sia6zY5kelSdGpbIQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztJttWP60pjgwiaRibXkia1EicBtVice1ynnhica0kGYxFnSu3y9myhqXvjXu3icXJw8Sia6zY5kelSdGpbIQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >上面这个紫色线就是<span >增额终身寿险</span>的现金价值走势图，</span><span ><span >理财功能主要就是通过这个现金价值账户的</span><span style="color: rgb(33, 89, 103)">加保</span><span >和</span><span style="color: rgb(33, 89, 103)">减保</span><span >来实现的。</span></span></section><section ><span ><br /></span></section><section ><span ><span >加保减保其实就是类似存钱和取</span>钱的意思。</span></section><section ><br /></section><section ><span >所以，我们可以把它当作一个保险公司的<strong>升级版 “余额宝”。</strong></span></section><section ><span ><strong><br /></strong></span></section><section ><span >存钱进去，保单根据合同锁定一个<strong>终身利率</strong>，然后长期<strong>复利滚动增值</strong>，</span></section><section ><span ><br /></span></section><section ><span >期间还能<strong>随取随用</strong>，</span><span ><span >并且这些</span>都是写进合同里的，有法律的保障。</span></section><section ><span ><br /></span></section><section ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong>四、热销的“<strong>增额终身寿险</strong>”哪个更值得买？</strong></span></section></section></section></section></section></section><section ><br /></section><section ><span >先看下挑选增额终身寿险应该注意哪些点：</span></section><section ><span ><br /></span></section><ul ><li ><p><span style="color: rgb(33, 89, 103)"><strong>现金价值：</strong></span>代表我们的保险值多少钱<span style="color: rgb(136, 136, 136)">（即保单具有的价值）</span>，想要做好储蓄理财，肯定是现金价值<strong>越高</strong>越好，现金价值=我们能拿的钱；</p></li><li ><p><span style="color: rgb(33, 89, 103)"><strong>实际收益率（IRR）：</strong></span><span style="text-align: left">IRR是金融体系里衡量投资收益率高低的唯一标准，具体原理比较复杂，大家没必要去细究，只要知道</span>实际收益率<span style="color: rgb(136, 136, 136)">（IRR）</span><strong>越高</strong>，代表收益越高就行；</p></li><li ><p><span style="color: rgb(33, 89, 103)"><strong>资金灵活性：</strong></span>灵活性体现在能够随时加保、减保上，减保是必须的，加保有更好，没有也影响不大。</p></li></ul><section ><br /></section><section ><span >说完挑选原则，我们开始产品测评。</span></section><section ><br /></section><section ><span >评测了近百款增额终身寿险后，保爷挑选出了<strong>最好的6款</strong>。</span></section><section ><span >&nbsp;</span></section><section ><span >看下对比<span style="color: rgb(0, 0, 0); text-align: start">▼</span>：</span><span style="text-align: center"></span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuZHLU3cO79b3f2Wbrcic2PjEib1kXDRjnpO6DKdP3ogqTVmhNYRDVVDiashCbH8Zo5AAVmKM1MXibUKw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuZHLU3cO79b3f2Wbrcic2PjEib1kXDRjnpO6DKdP3ogqTVmhNYRDVVDiashCbH8Zo5AAVmKM1MXibUKw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ><br /></span></section><section ><span >直接说结论：</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)">1、从投保门槛来看：</span></section><section ><span >&nbsp;</span></section><section ><strong><span >增多多、守护神</span></strong><span >都是<strong>1000元/年</strong>起投，<strong>增多多</strong>甚至<strong>支持月投，200元/月</strong>起投，对于预算较少的朋友，比较友好，而传世壹号和如意尊2.0是1万元起投；</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">2、从投保职业来看：</span></section><section ><span ><br /></span></section><section ><strong><span >增多多、守护神、如意尊2.0</span></strong><span >和<strong>鑫越人生</strong>都是支持<strong>1-6类</strong>职业投保，而传世壹号和光明至尊仅支持1-4类职业投保；<br /></span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)">3、从缴费期限来看：</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>增多多、守护神、传世壹号</strong>和<strong>光明至尊</strong>缴费期限可选性最高，最高能支持20年缴费。</span></section><section ><br /></section><section ><span >不过对于储蓄型产品来说，缴费期不是越长越好，大概选择<strong>5/10年</strong>交费是最好的；</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)">4、从“加减保”灵活性来看：</span></section><section ><span >&nbsp;</span></section><section ><span >这几款产品中，<strong>增多多、传世壹号和如意尊2.0</strong>支持<strong>加保和减保，</strong>而<strong>其他产品仅支持减保。</strong></span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">增多多、守护神等产品减保直接在线上操作即可，而鑫越人生则需要去柜台办理减保。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">5、从<strong>现金价值</strong>和<strong>实际收益率</strong>来看：</span></section><section ><br /></section><section ><span >以30岁女性，每年投2万元，交费10年，总共交20万为例<span style="color: rgb(0, 0, 0); text-align: start">▼</span>：<br /></span></section><section ><span >&nbsp;</span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsBmdMDfTbVIBLuibYAPdgKRyxEOhqHcRT0ibbUzichHMSdLK6Oe9XGWibBsTGWJH1PEwt8rC0rQNB1aA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsBmdMDfTbVIBLuibYAPdgKRyxEOhqHcRT0ibbUzichHMSdLK6Oe9XGWibBsTGWJH1PEwt8rC0rQNB1aA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >&nbsp;<br /></span></section><section ><span ><span >绿色底框</span><span >为6款产品的<strong>回本时间</strong>。</span><br /></span></section><section ><br /></section><section ><span ><strong>传世壹号、如意尊2.0和鑫越人生</strong>的回本速度最快，在保单第8个年度，现金价值就已经超过了已交保费，</span></section><section ><span >&nbsp;</span></section><section ><span >光明至尊和增多多则是在保单第9、第10个年度回本，而守护神回本会稍慢，在缴费结束后的第二年回本。</span></section><section ><br /></section><section ><span ><span style="color: rgb(255, 76, 0)">标红的数字</span>代表这款产品的现金价值是6款产品中最高的，标红为优秀。</span></section><section ><br /></section><section ><span >图中<strong>标红最多</strong>的是<strong>增多多</strong><strong>，47岁之后，增多多的现金价值一直都是领先。</strong></span></section><section ><span ><strong><br /></strong></span></section><section ><span style="color: rgb(136, 136, 136)">不过，49岁之后，守护神和传世壹号与增多多的现金价值也都相差不大。</span></section><section ><br /><span >再具体算算实际收益率（IRR），看下图<span style="color: rgb(0, 0, 0); text-align: start">▼</span>：</span><span style="text-align: center"></span></section><section ><span ><br /></span></section><section ><span ></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuZHLU3cO79b3f2Wbrcic2PjoqMSutwlGCXfkhFQyLfUoBEL3u4TxSgPNiauPm7SvVrpkVop89gtCow%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuZHLU3cO79b3f2Wbrcic2PjoqMSutwlGCXfkhFQyLfUoBEL3u4TxSgPNiauPm7SvVrpkVop89gtCow/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ><strong><br /></strong></span></section><section ><span ><strong>增多多</strong>的各项数据都是<strong>领先，</strong>其次是<strong>守护神</strong>、<strong>传世壹号</strong>和<strong>如意尊2.0，</strong>相差也不是太大，都属于<strong><span >第一档次</span></strong><span >。</span></span></section><section ><br /></section><section ><span >而光明至尊和鑫越人生相对差一些。</span></section><section ><span ><br /></span></section><section ><span >从长远收益来看，<strong>目前的第一推荐是增多多</strong>，长久收益会更高一些，但守护神和传世壹号也都不差，只比增多多收益低一点点。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">如果在意回本时间的，可以投保传世壹号和如意尊2.0。</span></section><section ><span ><br /></span></section><section ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong>五、以“增多多”为例，看下作用规划</strong></span></section></section></section></section></section></section><section ><br /></section><section ><span >30岁女性选择增多多，年交2万，交10年，总投入20万的情况下<span style="color: rgb(0, 0, 0); text-align: start">▼</span>：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsBmdMDfTbVIBLuibYAPdgKROiaKDCQsWb6G5wH5yAZicfo1ZpfRg0picq6j0RUIevicJ7iankQfnfRYdEQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsBmdMDfTbVIBLuibYAPdgKROiaKDCQsWb6G5wH5yAZicfo1ZpfRg0picq6j0RUIevicJ7iankQfnfRYdEQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >在10年交费期结束后，她40岁，总投入了20万。</span></section><section ><span ><br /></span></section><ul ><li ><p><span ><strong>55岁时</strong>，现金价值翻到本金两倍，涨到了40.4万，<strong>收益20.4万</strong>；</span></p></li><li ><p><span ><strong>75岁时</strong>，现金价值翻到本金四倍，涨到了80.4万，<strong>收益60.4万</strong>。</span></p><p><br /></p></li></ul><section ><span >这个收益说实话，其实很可观的，尤其是在利率持续下行的环境来看。</span></section><section ><span ><br /></span></section><section ><span >当然这只是说它的收益，我们来看下它到底可以怎么用：</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">1、当作自己的养老金</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">李女士已经<strong>30岁</strong>，看到新闻上总有不孝子女不赡养老人，所以特别担心自己的养老问题，</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">于是投保了一份增多多，<strong>每年交5万，连续交10年，共交50万</strong>。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsBmdMDfTbVIBLuibYAPdgKRaYOUJkOUYtI8ToH1dfeg9xE1ff5cHjibxSy7fLiahLibeF3YNd9lHKhxQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsBmdMDfTbVIBLuibYAPdgKRaYOUJkOUYtI8ToH1dfeg9xE1ff5cHjibxSy7fLiahLibeF3YNd9lHKhxQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >在她<strong>60岁</strong>时，每年减保<strong>6万元</strong>当做自己的养老金，一直持续到<strong>85岁</strong>，还能留下<strong>35.8万</strong>当做遗产给孩子。<br /></span></section><section ><br /></section><section ><span >这期间她共投入了50万，到85岁累计取出了156万，最后还留下35.8万，总收益为<strong>（156+35.8）-50=141.8万</strong>。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">这样李女士就不用担心自己的养老问题，去世后还能给孩子留一笔钱。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">2、规划孩子教育和自己养老</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">李女士，既担心养老问题，又担心孩子的教育问题，于是在<strong>30岁</strong>时（宝宝0岁）给自己投保了增多多，<strong>每年交5万，连续交10年</strong>，<strong>共交50万</strong>。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsBmdMDfTbVIBLuibYAPdgKRCj4ESqcF4uic8VibIYMq23wWFpOgJFxlTcn3E2PurXRpgd1pxc2DbORg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsBmdMDfTbVIBLuibYAPdgKRCj4ESqcF4uic8VibIYMq23wWFpOgJFxlTcn3E2PurXRpgd1pxc2DbORg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><ul ><li ><p><strong>孩子18-24岁</strong>时：每年减保<strong>5万</strong>，作为给孩子大学和研究生生活费，7年共取出<strong>35万</strong>；</p></li><li ><p>等李女士自己<strong>60岁时</strong>，每年<strong>减保5万</strong>，作为自己的养老金，直到<strong>78岁</strong>，最后还剩2.4万，14年共取出<strong>72.4万</strong>。</p></li></ul><section ><br /></section><section ><span >在这期间李女士一共投入50万，最后取出107.4万，总收益为<strong>107.4-50=57.4万</strong>。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">李女士只需在孩子出世后给自己投保一份增多多，未来孩子的教育金和自己的养老生活都有了很好的保障。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)">3、给孩子留笔钱</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">比如男宝<strong>0岁</strong>时，给孩子投保一份增多多增额终身寿险，<strong>每年投2万，连投10年</strong>，共投入<strong>20万</strong>。</span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsBmdMDfTbVIBLuibYAPdgKRPicabO6NqaoPLk6LFJWcxmzFlI1uDiaYfu4SPBibPVVJiaTSCQlVH82thQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsBmdMDfTbVIBLuibYAPdgKRPicabO6NqaoPLk6LFJWcxmzFlI1uDiaYfu4SPBibPVVJiaTSCQlVH82thQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><ul ><li ><p >孩子上大学时，18岁到21岁这4年间，每年取2万，共取8万用于大学花费。</p></li><li ><p >孩子婚嫁时，30岁左右，一次性取出20万作为结婚费用。</p></li><li ><p >孩子以后老了到了60岁，能每年领2万块的养老金，一直到85岁；</p></li><li ><p >然后85岁退保，还能一次性领取27.6万。</p></li></ul><section ><br /></section><section ><span >这笔钱贯穿了孩子的一生，而且还是随时取用。</span></section><section ><br /></section><section ><span >如果<strong>一直不领取</strong>，直到孩子<strong>85岁</strong>时，累计的现金价值高达<strong>319万</strong>。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">4、当婚前财产增值</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">月月是个城市白领，最近准备结婚，但是担心婚后不幸福，于是把多年存下来的<strong>20万</strong>，一次性投保增多多。</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsBmdMDfTbVIBLuibYAPdgKRQtUnHIY0iciaQBxZO4fKc9ybgXayMcjYoeiaMXo9xQRibRYiaHCN1SicX1bQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsBmdMDfTbVIBLuibYAPdgKRQtUnHIY0iciaQBxZO4fKc9ybgXayMcjYoeiaMXo9xQRibRYiaHCN1SicX1bQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p><br /></p><ul><li ><p><span >如果婚后幸福美满，不缺钱花，可以长期持有，复利增值。</span></p></li><li ><p><span >如果婚后缺钱，可以减保一部分应急或作为零花钱。</span></p></li><li ><p>如果离婚了，这也是月月的婚前财产，全部属于自己所有。</p></li></ul><section ><br /></section><section ><span >所以，总的来看，增额终身寿险不管是作为<strong>养老金，教育金、婚前财产</strong>还是<strong>资产传承</strong>都是可以的<strong>。</strong></span></section><section ><span ><strong><br /></strong></span></section><section ><span >它的<strong>作用十分灵活，并且收益很高，</strong>最重要的是能够<strong>安稳的持续增值，</strong><strong>随取随用。</strong></span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)"><span style="color: rgb(136, 136, 136)">当然它还有其他的规</span><span style="color: rgb(136, 136, 136)">划方式，大家可以根据自己的需求去做不同的用处，比如创业资金，旅游资金等等。</span></span></section><section ><span style="color: rgb(136, 136, 136)"><span style="color: rgb(136, 136, 136)"><br /></span></span></section><section ><span style="color: rgb(0, 0, 0)">具体可以通过<strong>懂知保</strong>公众号<strong>“1对1咨询”</strong>菜单预约一位保爷团队的专业保险规划老师，老师可以帮你计算利益演算表。</span></section><section ><br /></section><section ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong>写在最后</strong></span></section></section></section></section></section></section><section ><span ><br /></span></section><section ><strong><span >增额终身寿险</span></strong><span >，是保爷真心觉得为数不多的优秀<strong>储蓄理财型保险</strong>。<br /></span></section><section ><span ><br /></span></section><section ><span >可以保障自己的<strong>养老</strong>生活，也可以给孩子当作<strong>教育金</strong>用。</span></section><section ><br /></section><section ><span >以后保爷也会多多更新关于养老以及家庭资产配置的内容。</span></section><section ><span ><br /></span></section><section ><span >今天文章中提到的增额终身寿险，大家可以在“<strong>懂知保</strong>”公众号“<strong>保险热榜-精选保险投保链接</strong>”菜单，</span></section><section ><br /></section><section ><span >或点击文末“<strong>阅读原文</strong>”找到详细了解、在线投保。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: gray">投保成功后，保险公司会发送电子保单到你投保时填写的邮箱里，可在保险公司的官网或者官方微信公众号上查到你的保单。</span></section><section ><span style="color: gray">&nbsp;</span></section><section ><span style="color: gray">投保后的理赔等保单服务都可第一时间联系我们，我们提供专业协助服务。</span></section><section ><br /></section><section ><span ><span style="color: rgb(0, 0, 0)"><strong><span >大家如果有疑问，可通过</span></strong></span><span style="color: rgb(33, 89, 103)"><strong><span >懂知保公众号“1对1咨询”菜单</span></strong></span><span style="color: rgb(0, 0, 0)"><strong><span >预约</span></strong></span><strong style="color: rgb(0, 0, 0)"><span >1对1专属老师提供专业保险咨询规划服务。</span></strong></span></section><section ><br /></section><section ><span >相关阅读：</span></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447790623&amp;idx=1&amp;sn=bbb1e4bb0985d982d089f6cef4faac4b&amp;chksm=b2b0755d85c7fc4b1ff90ee38a1bb7462e22964b51f61fc4cb2ab6296ce01b1ba7a60fd79e7d&amp;scene=21#wechat_redirect" tab="innerlink" ><span >利率下行，余额宝利息不保，普通人怎么才能实现财富稳步增值？</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447789289&amp;idx=1&amp;sn=8e5cc154d0b84069e95d998b36dea421&amp;chksm=b2b06bab85c7e2bddf7ac7b31f8fdd18662e23800e5c61fe2ca6f4ffda6ce88cba087105cb0a&amp;scene=21#wechat_redirect" tab="innerlink" ><span >那些把钱存银行或余额宝的人，真的亏大了！</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447790521&amp;idx=1&amp;sn=1f2968c7cb226053b2632c62538b7879&amp;chksm=b2b076fb85c7ffed2174e611992322a4b58bbb6c59048b0946158ab3c77f4720456941fb978a&amp;scene=21#wechat_redirect" tab="innerlink" ><span >银行理财崩盘暴雷，想安全增值，我们的钱该何去何从？</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447787719&amp;idx=1&amp;sn=a9b80b3e85772fe569fb8a4dfbc4ba4a&amp;chksm=b2b0618585c7e8934554004c34922a850cd82a9537ee2a7868e440eec2688d759e17e1cc4968&amp;scene=21#wechat_redirect" tab="innerlink" hasload="1" ><span >「网上」买保险靠谱吗？</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447787614&amp;idx=1&amp;sn=e62a38e3d44b5e2e61c2172d02a31cca&amp;chksm=b2b0611c85c7e80a162070d6133cb47240aa8b26cfd9332b488928534b5ec758c8671f5729f5&amp;scene=21#wechat_redirect" tab="innerlink" hasload="1" ><span >没听过的“小”保险公司的产品能买吗？靠谱吗？</span></a></section><section style="text-align: center"><br /></section><section style="text-align: center"><span ><span >—&nbsp;</span><strong >END&nbsp;</strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)"><strong >愿你家的保单永不出险！</strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><strong ><span style="color: rgb(33, 89, 103)">懂保爷</span></strong></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)">做硬核保险评测、找最高性价比产品</span><br /></section><section style="text-align: center"><span style="color: rgb(33, 89, 103)">你人脉圈里的保险专家</span></section><section style="text-align: center"><br /></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span >&nbsp; &nbsp;&nbsp;<span style="color: rgb(136, 136, 136)">点击阅读原文，查看</span><span style="color: rgb(33, 89, 103)">保爷精选保险</span></span></section><section label="Powered by 135editor.com" ><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点个<span style="color: rgb(33, 89, 103)"><strong>在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section>