养老年金险，搅局者来了

<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPFibSQe1Ok6iaibZ4hicO6vaZbC24eP2BLvt4IKmsUxJIZcSo2AGLIzHsonkRZibREL9dic6IO1lFbibHfg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPFibSQe1Ok6iaibZ4hicO6vaZbC24eP2BLvt4IKmsUxJIZcSo2AGLIzHsonkRZibREL9dic6IO1lFbibHfg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >和隔壁玩出花来的增额寿相比，养老金这段时间<span style="color: rgb(51, 51, 51)">冷清得多。</span></span></section><section ><strong><span ><span style="color: rgb(51, 51, 51)">一来没啥新产品，二来没啥好产品。</span></span></strong><span ><span style="color: rgb(51, 51, 51)"></span></span></section><section ><span ><span style="color: rgb(51, 51, 51)">想</span></span><span style="color: rgb(51, 51, 51)">给大家做</span><span style="color: rgb(51, 51, 51)">个测评都无从</span><span style="color: rgb(51, 51, 51)">下</span><span style="color: rgb(51, 51, 51)">手</span><span style="color: rgb(51, 51, 51)">。</span></section><section ><span >直到我翻新品资料时，看到了一个熟悉的名字——<strong>鑫禧年年</strong>。</span></section><section ><span >作为曾经大公司下场“<span >开</span><span >卷</span>”的典型产品，</span><span >其</span><span >升级版</span><span >再</span><span >一次</span><span >给</span><span >了</span><span >市</span><span >场</span><span >足</span><span >够</span><span >的</span><span >惊</span><span >喜。</span></section><section ><span ><br /></span></section><section ><section powered-by="xiumi.us" style="text-align: center"><section ><section powered-by="xiumi.us" ><section ><section powered-by="xiumi.us" style="color: rgb(139, 207, 224); text-align: justify"><p style="text-align: right"><strong >01</strong></p></section></section><section ><section powered-by="xiumi.us" style="text-align: left"><section ><svg viewbox="0 0 1 1" ></svg></section></section><section powered-by="xiumi.us" style="text-align: right"><section style="color: rgb(112, 139, 136)"><p ><br /></p></section></section></section></section></section></section></section><section ><span >先来看看产品：</span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZCT10zxjSxObjJIFTqTY7NR1pc3rhXl4Gfpia6IcoMfxPEl7TSo20UPibvT1qwLPL5jXTwqZJ23Oegg%2F640%3Fwx_fmt%3Dpng%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZCT10zxjSxObjJIFTqTY7NR1pc3rhXl4Gfpia6IcoMfxPEl7TSo20UPibvT1qwLPL5jXTwqZJ23Oegg/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >鑫禧年年（尊享版）由<strong>富德生命人寿</strong>承保，</span><span style="color: windowtext">这是一家传统意义</span><span style="color: windowtext">的大公司。</span></section><p ><span style="color: windowtext">成立于2002年，注册资本117.52亿元，总资产超4800亿元，背后是国内仅有13家保险集团之一的富德保险控股。</span></p><p ><span style="color: windowtext">目前在全国拥有35家分公司、1000多个分支机构及服务网点，位居行业Top10。</span></p><section ><span ></span></section><section ><span >产品层面，0-65岁可投保，</span></section><section ><span >领取年龄上，女性最早支持55岁开始领，男性60岁开始领，这没啥特别的。</span></section><section ><span >特别之处在于，经过测算，不论男女，领取的金额一致，很适合女性朋友投保。<br /></span></section><section ><span style="color: rgb(33, 89, 103)"><em><span style="color: rgb(33, 89, 103)">（注：由于女性预期寿命更长等原因，同等投入，多数养老年金的女性养老金会低于男性领取的金额。）</span></em></span></section><section ><span >此外，这款产品给了两个保障方案，</span><span >主要区别在于养老金领取后身故金的给付。</span></section><section ><strong><span >方案一：被保人身故身故给付现金价值；<br /></span></strong></section><section ><strong><span >方案二：被保人身故给付已交保费和现金价值的较大值。</span></strong><span style="text-align: center"></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTP5q08p4iaQiaSscCn7yXYeJuwxbyd0xTnnncmzxCzGB5b1mGSkr762fHTuMHSXvLJM57mA32RyhZVg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTP5q08p4iaQiaSscCn7yXYeJuwxbyd0xTnnncmzxCzGB5b1mGSkr762fHTuMHSXvLJM57mA32RyhZVg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >简单说，方案一比较均衡，养老金、退保金、身故金各方面都兼顾到了；</span></section><section ><span >方案二更偏向身后的利益，生前领取较少，身故后给家人留更多的钱。<br /></span></section><section ><span >个人认为，买养老金的目的主要是为了<span >保证</span><span >老年生活的品</span><span >质</span>，</span></section><section ><span ><strong>鑫禧年年的</strong><strong>方案二对大多数人来说，可能并非第一选择</strong>。</span><br /></section><section ><span >方案一应该更符合我们买养老金的初衷。</span></section><p ><span ><br /></span></p><section ><section powered-by="xiumi.us" style="text-align: center"><section ><section powered-by="xiumi.us" ><section ><section powered-by="xiumi.us" style="color: rgb(139, 207, 224); text-align: justify"><p style="text-align: right"><strong >02</strong></p></section></section><section ><section powered-by="xiumi.us" style="text-align: left"><section ><svg viewbox="0 0 1 1" ></svg></section></section><section powered-by="xiumi.us" style="text-align: right"><section style="color: rgb(112, 139, 136)"><p ><br /></p></section></section></section></section></section></section></section><section ><span >了</span><span >解完产品的基本形态，我们再来看看产品收益如何，</span><br /></section><section ><span >我们选了市面比较热门的几款养老年金来对比，龙抬头2.0，盛世颐年等。</span></section><section ><span >分别以40岁女性、年交10万、5年交、总交50万为例，都来测算一下。</span></section><section ><span ><span >老规矩，养老年金险依旧主要关注“三金”：</span><span style="color: rgb(255, 0, 0)"><strong >养老金、身故金、退保金（现金价值）</strong></span><span >。</span></span><span style="text-align: center"></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTP5q08p4iaQiaSscCn7yXYeJuJ0Io4IzG7fIulHVGgCx6I6d1OfHiczj3syfEL9DtbNw9vcbHU2vTUZw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTP5q08p4iaQiaSscCn7yXYeJuJ0Io4IzG7fIulHVGgCx6I6d1OfHiczj3syfEL9DtbNw9vcbHU2vTUZw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><span >明显，鑫禧年年（尊享版）方案一养老金领取很抢眼，每年能领高达49600元的养老金，领到70岁即“回本”。</span></p><section ><span >比排名第二的龙抬头2.0每年都要多领4100元，</span><span >剩余</span><span >的几款就</span><span >更不用说了</span><span >。</span></section><section ><span ></span></section><section ><span >更重要的，鑫禧年年对长寿人群还有额外优待，</span><span >到</span><span >88岁时人</span><span >还在</span><span >，多</span><span >领一笔</span><span >祝寿金，</span><span >再</span><span >次</span><span >加码。</span></section><section ><span >退保回报的表现上更明显，鑫禧年年（尊享版）至80岁时，退保回报就达到了3.29%的水平；</span></section><section ><span >同类产品除了龙抬头2.0稍好，</span><span >其他均未达到3%！<br /></span></section><section ><span >可能有人觉得，鑫禧年年这是牺牲保证领取换来的，实则不然。</span></section><section ><span >虽然身故上没有保证领取，但鑫禧年年方案一身故后按现金价值赔付身故金，而这款终身都有现价，也就是<strong>终身都有身故金</strong>了。</span></section><section ><span >这是其他产品做不到的了。</span></section><section ><span ></span></section><section ><span ></span></section><section ><span ><strong>可以说，鑫禧年年（尊享版）的方案一在“三金”上做到了很好地平衡，都有兼顾到。</strong></span></section><section ><span ><strong>对于养老需求的人群来说，这样的产品无疑是值得优先考虑的。</strong></span><span ></span></section><section ><span >另外，我们分别在不同年龄投保和不同年龄领取下测算了一下鑫禧年年（尊享版）的退保回报。</span><span style="text-align: center"></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTP5q08p4iaQiaSscCn7yXYeJuInMBWXA0ia68ib9xdesHz9DciaCicNJvCd3HqIaBiaL2z3GAgdbge17dfWA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTP5q08p4iaQiaSscCn7yXYeJuInMBWXA0ia68ib9xdesHz9DciaCicNJvCd3HqIaBiaL2z3GAgdbge17dfWA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >从数据上可以看出，40岁投保，60岁开始领，</span></section><section ><span >至80岁时退保回报率就突破了3.0%的天花板，达到了3.29%的水平，</span></section><section ><span >88岁领取祝寿金后，攀升至3.7%的水平！</span></section><p ><span >就算是年龄大一点买，例如50岁开始投，也还是赚的，甚至就回报率来说还更高，</span></p><p ><span ><br /></span></p><p ><span >不过相应地，领取会变少，通常还是</span><span >建议越早配置越好</span><span >。</span></p><section ><span ><br /></span></section><section ><section powered-by="xiumi.us" style="text-align: center"><section ><section powered-by="xiumi.us" ><section ><section powered-by="xiumi.us" style="color: rgb(139, 207, 224); text-align: justify"><p style="text-align: right"><strong >03</strong></p></section></section><section ><section powered-by="xiumi.us" style="text-align: left"><section ><svg viewbox="0 0 1 1" ></svg></section></section><section powered-by="xiumi.us" style="text-align: right"><section style="color: rgb(112, 139, 136)"><p ><br /></p></section></section></section></section></section></section></section><section ><span >此</span><span >外，鑫禧年年还有一点优势，可以关联如意宝B款万能账户。</span><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZCT10zxjSxObjJIFTqTY7NRpw5hDhGj77UZ1MoyNPAlC58wJiaqL7rseU8jGFiaecgjNk6YsHlgTW2w%2F640%3Fwx_fmt%3Dpng%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZCT10zxjSxObjJIFTqTY7NRpw5hDhGj77UZ1MoyNPAlC58wJiaqL7rseU8jGFiaecgjNk6YsHlgTW2w/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >“年金险+万能账户”组合，既可以规划养老，还能把一部分闲钱放入万能账户中二次增值。</span></p><p ><span >保底2%，当前结算利率<strong>4.30%</strong>，在当前市面上算是相当可观的了。</span></p><p ><span >追加也暂无限额，适合后期想追加大量资金的朋友</span><span >。</span></p><section ><span ><strong>总结一下，</strong></span><span ></span></section><section ><span >鑫禧年年尊享版，算是很好地兼顾了“三金”，很有特色，</span></section><p ><span >领取高，现价也高，收益很可观，</span><span >难得还没有</span><span >大公</span><span >司品牌溢价。</span></p><p ><span >也有</span><span >优秀的万能账户可以关联，几乎没有短板，已经是当前可以首要考虑的养老年金险了。</span></p><p ><span >鉴于鑫禧年年目前几乎算是没对手，</span></p><p ><span ><span >只能说</span><span >大公司<span >要是</span>放下身段来，做好</span></span><span >产</span><span >品真不难，就看愿不愿意了。</span></p><p ><br /></p><section style="color: rgb(34, 34, 34)"><span ><strong style="color: rgb(0, 0, 0)"><span style="color: rgb(33, 89, 103)"><em ><strong ><span style="text-align: start"></span></strong></em></span></strong></span></section><section style="color: rgb(34, 34, 34)"><span ><strong style="color: rgb(0, 0, 0)"><span style="color: rgb(33, 89, 103)"><em ><strong ><span style="text-align: start">有问题，可扫描</span></strong></em><em ><strong ><span style="text-align: start">下图二维码咨询我团队的专业规划老师。</span></strong></em></span></strong></span></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%2FO95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247496666&amp;idx=1&amp;sn=6ed587679d0f67d166246df32328798f&amp;chksm=cfb6105af8c1994c727f56db310d5591771ba8c785ba443c7d87651a97d11bbdc79541e162d4&amp;scene=21#wechat_redirect" textvalue="为什么选择懂保爷？" linktype="text" imgurl="" imgdata="null" tab="innerlink" style="color: var(--weui-LINK)"></a></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="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)">懂保爷严选【理财、养老、保障】产品汇总</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><p ></mp-style-type></p>