养老年金险，看这3点就够了

<section ><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" style="text-align: center"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTPPRfLU5BzGOh6iaBF1jFO9la2HIIjyO6U4uhvBdd3rRcbnXLYyw0EdaU0vFTH1xqDqKdTiaH9j0OdQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTPPRfLU5BzGOh6iaBF1jFO9la2HIIjyO6U4uhvBdd3rRcbnXLYyw0EdaU0vFTH1xqDqKdTiaH9j0OdQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a><br /></section><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><section ><br /></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103); text-align: start">一、</span><br /></section><section ><span ><br /></span></section><section ><strong><span >养老年金险</span></strong><span >，本质是一类长期年金保险，常见保障期间为保至80岁或终身。</span></section><section ><br /></section><section ><span >功能或者说用途比较专一，就为了养老（可提供长期或终身的现金流）。<br /></span></section><section ><span ><br /></span></section><section ><span >可能有些朋友不解：</span></section><section ><span ><br /></span></section><section ><strong><span style="color: rgb(33, 89, 103)">我们交的社保（五险一金）就已经包括养老保险了，为什么还要去买养老年金保险？</span></strong></section><section ><span ><br /></span></section><section ><span >这里得简单提一下我国的养老保险体系“<strong>三支柱</strong>”。<br /></span></section><section ><span ><br /></span></section><section ><span >第一支柱是基本养老保险，包括城镇职工基本养老保险和城乡居民基本养老保险，当前参保人数已达10.3亿人，占据绝对主流地位；</span></section><section ><span ><br /></span></section><section ><span >第二支柱是企业年金和职业年金，由用人单位及其职工建立，当前参加职工约7200万人，起到补充养老的作用；</span></section><section ><span ><br /></span></section><section ><span >第三支柱就是个人养老金及商业养老保险等。</span></section><section ><span ><br /></span></section><section ><span >说白了，<strong>第一支柱国家帮你养老，第二支柱雇主帮你养老，第三支柱自己给自己养老</strong>。</span></section><section ><span ><br /></span></section><section ><span >国情大家应该明白，第二支柱仅能惠及少数，第三支柱方兴未艾，目前仍是第一支柱扛大梁。</span></section><section ><br /></section><section ><span >可完全指望第一支柱，对大多数人来说不太现实。</span></section><section ><br /></section><section ><span >据社科院发布的《中国养老金精算报告2019-2050》，预测养老金将在<strong>2035年</strong>耗尽。</span></section><section ><span ><br /></span></section><section ><span >届时我们退休，说没有养老金应该不至于，但能拿多少，想必是不乐观的。</span></section><section ><span ><br /></span></section><section ><span >换句话说，<strong>自己帮自己养老</strong>（第三支柱），<strong>才是未来的主流</strong>。</span></section><section ><span ><br /></span></section><section ><span >而养老年金险，正是我们未来养老的重要组成部分。<br /></span></section><section ><span ><br /></span></section><section ><span ><br /></span></section><section ><span ><strong style="color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103); text-align: start">二、</span></strong></span></section><section ><br /></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">初步了解</span><span style="color: rgb(51, 51, 51); text-align: justify">后，问题就来了：</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong>市面养老年金险五花八门，怎么判断哪个值得买？</strong></span></section><section ><span ><br /></span></section><section ><span >这就涉及到养老年金险的3大挑选标准了，简称“看三金”。</span></section><section ><span style="text-align: center"><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPPRfLU5BzGOh6iaBF1jFO9ltr2d35SlntmSCkoEwm3fLNcpXeNejmgWjK18pyubsvT214050iadmDA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPPRfLU5BzGOh6iaBF1jFO9ltr2d35SlntmSCkoEwm3fLNcpXeNejmgWjK18pyubsvT214050iadmDA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ><br /></span></section><section ><span style="color: rgb(255, 0, 0)">一看年金，或称养老金；</span></section><section ><span ><br /></span></section><section ><span >这个简单，就是看<strong>未来</strong><strong>能领多少钱</strong>；<br /></span></section><section ><span ><br /></span></section><section ><span >例如40岁买，本金50万，选在60岁领取，</span></section><section ><span ><br /></span></section><section ><span >一款产品每年能领5万养老金，同条件下，另一款产品每年领取4万养老金。<br /></span></section><section ><br /></section><section ><span >谁领得多，一目了然。</span><br /></section><section ><span ><br /></span></section><section ><span style="color: rgb(255, 0, 0); text-align: justify">二看身故金；</span></section><section ><span ><br /></span></section><section ><span >养老年金险除了年金领取，还会有<strong>身故责任</strong>。</span></section><section ><br /></section><section ><span >在开始领取年金前身故，大多数产品都是本金和现金价值取大赔付。</span></section><section ><span ><br /></span></section><section ><span >重点要看<strong>开始领取年金后的身故金</strong>，有些产品只能保证领取保费，有些产品可以保证领取xx年。</span></section><section ><br /></section><section ><span >假如刚领几年就身故去世了，保证领取期长的产品，可以把应领未领的保证领取金给到受益人。</span></section><section ><br /></section><section ><span >只保证领回保费的话，刚领几年就身故了，只赔付已交保费（还要减去领到手的年金），意味着资金投入几十年只是保本，感觉亏。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(255, 0, 0); text-align: justify">三看退保金</span></section><section ><span ><br /></span></section><section ><span ><strong>退保金，就是现金价值。</strong></span></section><section ><span ><br /></span></section><section ><span >有些养老年金险在开始领取后，现金价值就会归零，往后只能每年领取养老金；<br /></span></section><section ><span ><br /></span></section><section ><span >有些产品则不然，开始领取后20年内、30年内乃至终身，都有现金价值。</span></section><section ><span ><br /></span></section><section ><span >这就意味着，急用钱时，可以通过退保取回一大笔钱（现金价值）来<strong>应急</strong>。<br /></span></section><section ><span ><br /></span></section><section ><span >当然，买养老年金险初衷就是为了养老，一旦退保也就失去了终身的养老现金流，需要慎重选择。<br /></span></section><section ><span ><br /></span></section><section ><span >因此，这仅只是让我们多个选择，可以作为加分项，重点还是看年金和身故金。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span >举个例子：</span></strong></span><span ></span></section><section ><span ><br /></span></section><section ><span >现有A、B两款养老年金险，都是40岁买，每年交10万，交5年，60岁开始领取。</span></section><section ><span ><br /></span></section><section ><span >A款的“三金”数据如下：</span></section><section ><span ><br /></span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTPPRfLU5BzGOh6iaBF1jFO9lqkRiceyJv9vltvWGeqiaib50CAr4XiaXCZ3euCntV72oBt0cOm3PG7aXLQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTPPRfLU5BzGOh6iaBF1jFO9lqkRiceyJv9vltvWGeqiaib50CAr4XiaXCZ3euCntV72oBt0cOm3PG7aXLQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >B款的“三金”数据如下：</span><br /></p><p ><br /></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTPPRfLU5BzGOh6iaBF1jFO9lKuBU0CStlkn6RQTnHIRVWcHia0ibzIgxTStqumoYAjPNe91xzTsHhG6g%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTPPRfLU5BzGOh6iaBF1jFO9lKuBU0CStlkn6RQTnHIRVWcHia0ibzIgxTStqumoYAjPNe91xzTsHhG6g/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ><br /></span></section><section ><span >一看养老金，A款每年领取<strong>52800元</strong>，<span style="color: rgb(51, 51, 51); text-align: justify">B款每年领取</span></span><span ><strong>41100元</strong></span><span ><span style="color: rgb(51, 51, 51); text-align: justify">，都是领取终身；</span><br /></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">二看身故金，A款保证领取20年，<strong>80岁前</strong>身故都有保险金。B款则保证领取至<strong>85岁</strong>，多了5年身故金；<br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">三看退保金，无论A款B款，都是85岁前存在现金价值，退保拿一笔钱，其中B款退保金略高。<br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span >明显，即便B款的身故金+退保金好于A款，但都没拉开差距，且在最核心的养老金领取上，落后A款太多，</span>每年少领1万多年金...</section><section ><br /></section><section ><span >1年少1万，80岁就少了20万，这就没法和A款比了。</span></section><section ><span ><br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103); text-align: start">三、</span></section><section ><span ><br /></span></section><section ><span >一般来说，掌握以上3个挑选标准就够了。</span></section><section ><span ><br /></span></section><section ><span >这也是挑选养老年金险的基础准则。<br /></span></section><section ><span ><br /></span></section><section ><span >不过部分养老年金险会有一些增值服务，如<strong>养老社区、万能账户、保险金信托</strong>等。<br /></span></section><section ><br /></section><section ><span >原则上，这些并不是养老年金险的产品组成部分。<br /></span></section><section ><br /></section><section ><strong><span >真有这块需求，养老年金险产品好点差点都不重要了</span></strong><span >，与其说选养老年金险，不如说怎么选养老社区等。</span></section><section ><br /></section><section ><span >这就背离了买养老年金险的本意。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">如果是冲着养老来的，建议还是以养老年金险为主，增值服务有且能用到，那最好；</span></section><section ><span style="color: rgb(33, 89, 103)"><br /></span></section><section ><span style="color: rgb(33, 89, 103)">要是没有，就要掂量掂量自己是不是真需要了。</span></section><section ><span ><br /></span></section><section ><span >最后提醒下，</span></section><section ><span ><br /></span></section><section ><span >和当前大火的增额终身寿不同，</span><strong >养老年金险比较“慢热”</strong><span >。</span></section><section ><br /></section><section ><span >增额寿一般<strong>10年内</strong>就有个不错的收益（比银行定存还要高不少），</span></section><section ><span ><br /></span></section><section ><span >养老金首先要等到领取日（例如40岁买，60岁领取，就要等20年），其次每年领固定的一笔钱，不能多领。</span></section><section ><span ><br /></span></section><section ><span >因此不是真有<strong>确定的养老需</strong><strong>求</strong>，通常不建议买养老年金险。<br /></span></section><section ><span ><br /></span></section><section ><em><span >万一提前要用钱，又没到领取日，就尴尬了...</span></em><span ><br /><br /></span></section><section ><span >不过养老年金险也有专属于它的优势，就是<strong>活到老领到老，直至终身，每年都有笔稳定的现金流！</strong></span></section><section ><span ><br /></span></section><section ><span >如果拿增额终身寿来养老，和养老年金险<span style="color: rgb(51, 51, 51); text-align: justify">同等投入和领取，</span></span></section><section ><span ><br /></span></section><section ><span >前几十年是很舒服，可要是活到90岁、100岁，届时年金险每年还能提供一笔养老金，增额寿早就领完了。</span></section><section ><br /></section><section ><span >仅此一点，养老年金险就值得每个人重视。</span></section><section ><span ><br /></span></section><section ><span >养老，终究是一件大事。<br /></span></section><section ><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><em><strong><span ><span style="text-align: start">有问题，可以</span><span >长按扫描下方二维码进入</span><span style="color: rgb(33, 89, 103)">【懂保爷】公众号</span><span >，关注后点击“免费咨询”菜单找我团队专业规划老师帮忙。</span></span></strong></em><strong style="color: rgb(0, 0, 0)"></strong></section><section style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw%2F640%3Fwx_fmt%3Dgif%26wxfrom%3D5%26wx_lazy%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw/640?wx_fmt=gif&wxfrom=5&wx_lazy=1" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34); text-align: justify"><br style="color: rgb(34, 34, 34)" /></section><p style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(0, 0, 0)">相关阅读：</span></p><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247493287&amp;idx=1&amp;sn=c67de5048364c763c64d745c8554dcf0&amp;chksm=cfb60527f8c18c3174405593f6d532cb8f83f81e138e62eb17fdfc577bfbda31b5d6fac3c7be&amp;scene=21#wechat_redirect" textvalue="关于增额终身寿，我把这些实话一次全告诉你" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >关于增额终身寿，我把这些实话一次全告诉你</span></a><br /></section><section ><br /></section><section style="text-align: center"><span ><span >—&nbsp;</span><strong >END&nbsp;</strong><span >—</span></span></section><section></mp-common-profile></section><section style="color: rgb(34, 34, 34); text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif%26wxfrom%3D5%26wx_lazy%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif&wxfrom=5&wx_lazy=1" 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，</span></span><span style="color: rgb(136, 136, 136)">查看</span><span style="color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</span></section><section style="color: rgb(34, 34, 34); text-align: left"><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>