<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%2FO95eeDepqTMSST2BeJyRf36EtxRSibaMJBiaFiaoTJre3iboQibhC6Dzia0O7JbxR7EicBl1yb09j6Dq6RviaJWsjpFW6A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTMSST2BeJyRf36EtxRSibaMJBiaFiaoTJre3iboQibhC6Dzia0O7JbxR7EicBl1yb09j6Dq6RviaJWsjpFW6A/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></section><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >很多人觉得，养老是个大工程，要长期准备、尽早准备。</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >那对于快退休了，甚至已经退休的，还有必要去买养老年金险吗？</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >会不会太晚了？</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p ><br /></p><p ><span style="color: rgb(33, 89, 103); text-align: start">一、</span></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >先说结论，</span><strong><span >只要能买，就不晚。</span></strong></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span ><br /></span></strong></section><section style="color: rgb(51, 51, 51); text-align: justify"><em><span >注：通常养老年金险最晚可以70岁开始领取，因此能买的年龄，大多都在70岁或65岁以下。</span></em></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >因为养老年金险有个很重要的特性就是：</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >活到老领到老</span></strong><span >。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >这意味着购买后就有了一笔终身存在的现金流，风雨无阻，按时发放。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >这点和其他理财险，如增额终身寿、万能账户等有很大的不同。<br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >大多理财险是“现金池”，有一大笔钱，你可以自由取用，用完就没了。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >养老年金险这笔“现金流”，只要人活着，就一直发，不会多发、少发，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >能有效防止因为某些原因把积蓄花完了，没钱养老的问题。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >因此，即便快退休了，只要有这需求，买养老年金险都不迟。</span></strong></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span ><br /></span></strong></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >重要的是，目前也没有能替代养老年金险“终身现金流”功能的产品。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><em><span >国家社保是可以，只是养老年金险作为养老第三支柱，本身就是对第一支柱的补充，</span></em></section><section style="color: rgb(51, 51, 51); text-align: justify"><em><span ><br /></span></em></section><section style="color: rgb(51, 51, 51); text-align: justify"><em><span >买养老年金险大多就是社保养老金不够用...</span></em></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103); text-align: start">二、</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >下面看实例，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >以<strong>54岁女性</strong>，购买某第一梯队养老年金险为例，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >每年交10万，交5年</span></strong><span >，交完钱次年（<strong>60岁</strong>）开始领取，看看值不值。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><p style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMD9VjvACKOTtK2Oibeu9Yuna0Tz602Eku6uh3hDUN4wPKPicWLhk6BpSyskCZ0iaotaUZibbnJY865kw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMD9VjvACKOTtK2Oibeu9Yuna0Tz602Eku6uh3hDUN4wPKPicWLhk6BpSyskCZ0iaotaUZibbnJY865kw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >明显，54岁开始买，59岁交完钱（本金50万元，分5年交），</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >60岁开始每年能领取<strong>32400元</strong>，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >还可以保证领取20年，例如领了5年养老金后身故，保险公司会把剩下15年的养老金3240015=<strong>48.6万元</strong>给到家人；</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >并且在85岁前，实在急用钱可以通过退保拿回现金价值，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >例如75岁有急事，退了当年最多能拿回24万多（不推荐，一旦退保现金流就没了）。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >说回收益层面，</span></strong></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >根据上图数据，60岁开始领取养老金，32400元/年。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >领16年、<strong>到75岁</strong>，刚好回本，累计领了52万左右；</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >领21年、<strong>到80岁</strong>，生存总收益（含退保金）有84.8万，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >这时候退保，相当于这些年本金按年复利<strong>3.53%</strong>在增值，比目前最强的增额终身寿还高一点；</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >等到84岁</span></strong><span >，这也是有退保金的最后一年，生存总收益（含退保金）有93.6万，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >这时候退保，相当于这些年本金按年复利<strong>3.88%</strong>在增值，收益远高于增额终身寿；</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><p style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTMD9VjvACKOTtK2Oibeu9YunqV7MjSWg6uwUp471rqvl9tSUTIrbiay75sliaIQLtlhMezlpdQ7wfdRA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTMD9VjvACKOTtK2Oibeu9YunqV7MjSWg6uwUp471rqvl9tSUTIrbiay75sliaIQLtlhMezlpdQ7wfdRA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >假设领取到<strong>90岁</strong>，此时已经领取了31年养老金</span><span >，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >累计养老金突破100万，是本金的2倍。</span></strong><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >相当于这些年本金按年复利<strong >4%</strong>在增值，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><p style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTMD9VjvACKOTtK2Oibeu9YunDjNJG3tammHqYPYPF1x3ypaIQdq9AA4dVMLgjibAicFdWJvY8O3tcmibg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTMD9VjvACKOTtK2Oibeu9YunDjNJG3tammHqYPYPF1x3ypaIQdq9AA4dVMLgjibAicFdWJvY8O3tcmibg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >通过以上案例不难看出，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><strong>即便年龄很大了，哪怕今年交，明年领取，买养老年金险也是可以获得很高收益的。</strong></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >不存在说，年纪大买养老年金=亏。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >只要活得久（80岁以上），论收益比增额终身寿这类热门理财险还高些，毕竟增额寿上限就是年复利3.5%；<br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >担心万一活不久也没关系，养老年金险很多有保证领取，像上面的保证领取20年，相当于保底能有80岁时的养老金。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >很多人说养老年金险不够灵活，不如增额终身寿方便，前期收益也很低，</span></strong><strong><span >这些说法都对。</span></strong></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span ><br /></span></strong></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >但换个角度，要是就为了养老，是不是就没有更好的选择了？</span></strong></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >实际上，买增额终身寿能等30年才用钱已经算很晚很晚了，而<span >养老年金险可能才刚发力。</span></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >这俩其实就不是一个赛道的产品，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >真为了养老生活，仍然是养老年金险最合适。<br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >这点保姑早前也写过，</span><span >大家可以看下 👉 </span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484196&idx=1&sn=e5b4f7bd19fc5008eac7f634ddcccba5&chksm=e889f045dffe7953bb7c6791cbbfa37919a692f43281323d11d0ab583f484db042b57ff8100d&scene=21#wechat_redirect" textvalue="增额终身寿险和年金险选哪个？" linktype="text" imgurl="" imgdata="null" tab="innerlink">增额终身寿险和年金险选哪个？</a></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >至于年龄，影响真不大，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >只要能买，养老年金险不管什么年纪，都是值得买的。<br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >尤其是家里有长寿基因的，买养老年金险，就跟薅羊毛差不多了。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(0, 0, 0)"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247495067&idx=1&sn=7c6737e85473bd9a6b043f9298942f63&chksm=cfb60e1bf8c1870d8cd4216b7358f3cfb8e49e03efd82615f3930c0fe192eb2ac96da7fdf999&scene=21#wechat_redirect" textvalue="养老年金险，看这3点就够了" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >养老年金险，看这3点就够了</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484196&idx=1&sn=e5b4f7bd19fc5008eac7f634ddcccba5&chksm=e889f045dffe7953bb7c6791cbbfa37919a692f43281323d11d0ab583f484db042b57ff8100d&scene=21#wechat_redirect" textvalue="增额终身寿险和年金险选哪个？" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >增额终身寿险和年金险选哪个？</span></a><br /></section><section ><br /></section><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>
