<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=2&sn=55e0cf403a3327c58f7dfcc77ea888c8&chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTMVT1nAmbIRPe6x4R8o1JAGEjiaR3r6zV57MMXzShzznNCHorOa6tTPrfxar2ZapicKVt9I60J5TKdw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTMVT1nAmbIRPe6x4R8o1JAGEjiaR3r6zV57MMXzShzznNCHorOa6tTPrfxar2ZapicKVt9I60J5TKdw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><section 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><span style="text-align: justify"></span></section><section ><br /></section><section ><span >学海无涯，一期一会。</span></section><section ><span ><br /></span></section><section ><span >今天来聊聊年纪大了，还适不适合买养老年金险的问题。</span></section><section ><span ><br /></span></section><section><mpvideosnap></mpvideosnap></section><section ><span ></span></section><section style="color: rgb(34, 34, 34); text-align: center"><span style="color: rgb(136, 136, 136)">不方便看视频的朋友可以看文字版</span><span style="color: rgb(136, 136, 136)">👇</span><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><span >--文字版--</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">做养老金计划的一个常识，就是越早买越好</span><span style="color: rgb(51, 51, 51); text-align: justify">, </span><span style="color: rgb(51, 51, 51); text-align: justify">杠杆越高。</span><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">但真正开始规划养老，并且实际购买养老金的人群，年龄主要还是集中在四五十岁。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><strong><span style="color: rgb(51, 51, 51); text-align: justify">这个时候还</span><span style="color: rgb(51, 51, 51); text-align: justify">适合买养老保险吗？划不划算呢？</span></strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></p><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">我拿三款产品分别算了一下。</span><span ></span></p><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">如果一位<strong>50岁</strong>女性，一次性把自己的存款50万交到养老保险里面，60岁开始领取</span><span style="color: rgb(51, 51, 51); text-align: justify">养老金。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><section style="color: rgb(34, 34, 34); text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTMVT1nAmbIRPe6x4R8o1JAG4n31BsJ96fibibHicUP5o1WD03PHLjFJrxFAwUmAAs6bpibFPxkD9kyyhA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTMVT1nAmbIRPe6x4R8o1JAG4n31BsJ96fibibHicUP5o1WD03PHLjFJrxFAwUmAAs6bpibFPxkD9kyyhA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">这里三款产</span><span style="color: rgb(51, 51, 51); text-align: justify">品，</span><span style="color: rgb(51, 51, 51); text-align: justify">每年养老金都能有<strong>3.8万</strong>以上。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">如果只看领取到手的钱，60岁领取，过了13年，<strong>到73岁</strong>，总领取金额就超过了本金50万。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">那么后面领取的部分就全是赚的了。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">按照现在普遍的健康水平，医疗水平和平均年龄，活到80岁，90岁，应该都是轻轻松松，所以赚的几率比较大。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">而实际上，年金险除了领取到手的年金之外，保单还剩一笔大大的<strong>现金价值</strong>。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">比如我们有些人对自己未来寿命不是很乐观，那我们可以领了一段时间养老金之后，把保单退保拿回当时的现金价值。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">像大家养老<strong>养多多2号</strong>这款产品（现已改名养多多3号-20年版），加上现金价值：</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">70岁总收益就可以达到<strong>80万</strong>，80岁总收益就可以达到<strong>103万</strong>，这个时候就直接变成了本金50万的2倍了。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">基本上也是很赚的。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">如果是换一种情况，一位50岁女性，<strong>每年只能存10万，连续分5年</strong>，存到养老保险里面，60岁开始领取养老金。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">经保姑测算，结果也是赚的。</span><br /></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">所以，大家不用担心了，保姑都给大家算好了，</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><strong><span style="color: rgb(51, 51, 51); text-align: justify">如果想买养老保险来存养老钱的话，50岁开始，也还是赚的。</span></strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">很多人会考虑到，年纪大了购买年金险的收益并不高，其实并不是。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">无论是一次交还是5年交，【养多多2号】和【福满满】因为在85岁前都含有现金价值，</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">到80岁时这两款产品的IRR，都可以达到3.5%左右，</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><strong><span style="color: rgb(51, 51, 51); text-align: justify">年纪大，并不耽误好产品带来好的收益。</span></strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">同样的钱，同样用于养老，养老保险比存在银行的收益更高。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">我是保姑，我一直在专注研究安全高收益的养老和理财产品，需要的时候可以来找我，保姑应该能给你一些建议。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p 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></p><p style="color: rgb(34, 34, 34); text-align: center"><span >直接识别下方二维码</span></p><p style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXun3PB3sBCsPbXSqOflbzkJPTr4GlZqmmP611AJicrwvyXeRc5ApZLibWUMoB6QmbrcYm6HtrQzbfia6A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXun3PB3sBCsPbXSqOflbzkJPTr4GlZqmmP611AJicrwvyXeRc5ApZLibWUMoB6QmbrcYm6HtrQzbfia6A/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><p style="color: rgb(34, 34, 34); text-align: center"><span >添加保姑团队专业咨询老师</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span ></span></p><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section ></mp-common-profile></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 > <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="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><p ></mp-style-type></p>
