<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTN9mUxib77596oJsvTGQ6JkOibSKar2sQLwxWLQtEVumnHCbUNdVuKwLiaLIWuHBpQicZ5X3aTab8ZZHQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTN9mUxib77596oJsvTGQ6JkOibSKar2sQLwxWLQtEVumnHCbUNdVuKwLiaLIWuHBpQicZ5X3aTab8ZZHQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >7月31号是啥日子，</span><span >相信大家都门儿清，预定利率3.5%和3%正式交接！</span></p><p ><span >甚至有些保司积极响应，没等到月底就下了。</span></p><p ><span >波及范围难以想象，<span ></span><span >定价3.5%的增额寿、年金险，以及保底3%以上的万能等储蓄险都包括在内</span>。</span></p><p ><span >当然，下架3.5%产品的同时，也陆陆续续上新了3%的新产品。</span></p><p ><span >前段时间我就给大家测评了</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247497084&idx=1&sn=8d78782c06f602b05f306f68dc578a89&chksm=cfb616fcf8c19fea5bae24eac49d3a3db956df21bcbf0c8e9f11db7652527f0b601b3f9a6b06&scene=21#wechat_redirect" textvalue="首批上市的3.0%的增额寿" linktype="text" imgurl="" imgdata="null" tab="innerlink"><em>首批上市的3.0%的增额寿</em></a></span><span >，结果很不乐观。</span></p><section ><span >近期，也有一批3.0%的年金险上市，今天一起来看看比老产品差多少？</span></section><section ><span ><br /></span></section><section ><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="color: rgb(139, 207, 224); text-align: justify" powered-by="xiumi.us"><p style="text-align: right"><strong>01<br /></strong></p></section></section><section ><section style="text-align: left" powered-by="xiumi.us"><section ><svg viewbox="0 0 1 1" ></svg></section></section><section style="text-align: right" powered-by="xiumi.us"><section style="color: rgb(112, 139, 136)"><p><br /></p></section></section></section></section></section></section></section><section ><span >我们说过，挑养老金主要看3点：</span></section><ul ><li ><section ><span style="color: rgb(255, 0, 0)"><strong >养老金：</strong></span><span style="color: rgb(0, 0, 0)"></span><strong><span style="color: rgb(0, 0, 0)">到约定时间，</span><span ><strong >每</strong></span></strong><span ><strong >年或每月领取的金额； </strong><strong ></strong></span></section></li><li ><section ><span style="color: rgb(255, 0, 0)"><strong >身故金</strong><strong >：</strong></span><span ><strong >通常指开始领取年金后的身故金，也叫保证领取。</strong><strong ></strong></span></section></li><li ><section ><span style="color: rgb(255, 0, 0)"><strong >退保金：</strong></span><span ><strong >即退保能拿回来的钱即保单现金价值。</strong><strong ></strong></span></section></li></ul><section ><span >当前第一梯队的养老年金，几乎都把“三金”兼顾得非常好。</span></section><section ><span ><span >例如<strong style="color: rgb(0, 0, 0)">君龙人寿的龙抬头，</strong><span style="color: rgb(0, 0, 0)">作为年金险市场的翘楚，</span></span><span style="color: rgb(0, 0, 0)">不仅有保证领取20年，现金价值还能持续到85岁；</span></span></section><section ><span style="color: rgb(0, 0, 0)">并且龙抬头在保证领取20年结束后只要有现价，身故还可以赔付当年现金价值，这一点很nice，也是当前市场上独一份。</span></section><section ><span style="color: rgb(0, 0, 0)">因此，多数时候重点考虑就是这款养老年金险，口碑不错。</span></section><section ><span style="color: rgb(0, 0, 0)">只是作为3.5%定价的年金险，龙抬头已确认将于月底下架。<br /></span></section><section ><span style="color: rgb(0, 0, 0)">取而代之的是，3.0%定价新品——<strong>龙抬头2.0</strong>；<br /></span></section><section ><span style="color: rgb(0, 0, 0)"><span >我们下面拿它和自家大哥</span><strong >龙抬头</strong><span >作</span><span >对比，看看收益差了多少。</span></span><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span >接下来，统一按40岁女性，5年交，年交10万，总交50万，对比一下收益。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTO3QHsaNhvu4v5ppmSqZ8OgfGoYR30xgo3rb9gp10XSFfnMKhGbI3UqoE82yToDK5m8h30yP5MAMg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTO3QHsaNhvu4v5ppmSqZ8OgfGoYR30xgo3rb9gp10XSFfnMKhGbI3UqoE82yToDK5m8h30yP5MAMg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >就数据来看，领取年金上的差距不是一星半点。</span></p><p ><span >交同样的保费，每年最多差了1万元养老金，落差感满满。</span></p><p ><span >举个例子，同样65岁领取，到80岁，预定利率3.5%的<strong>龙抬头</strong>能累计领取<strong>99.8万</strong>，</span></p><p ><span >而预定利率3.0%的<strong>龙抬头2.0</strong>到80岁只能领取<strong>84.5万</strong>，两者就差了近<strong>15万</strong>多！</span></p><p ><span >到90岁时，差了近<strong>25.5万</strong>！<br /></span></p><p ><span >越往后，领的越久，差距也就越大~</span></p><p ><span >绝对差额上的就足让人难以接受了，再看一下退保回报率（复利）上的差距更加刺激。<br /></span></p><p ><span >例如，当55岁开始领取，龙抬头到80岁退保利率就能达到3.66%的水平，</span></p><p ><span >龙抬头2.0只能达到3.13%的水平，光退保回报上就差了0.53%，</span></p><p ><span >到100岁时，龙抬头更是高达4.26%的水平，而龙抬头2.0只有3.81%的水平。</span></p><p ><span >别看数据上只差了0.5，可别忘了</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247497002&idx=1&sn=dbf8059979229643116f733f84488fcf&chksm=cfb616aaf8c19fbc6be444467c0fee6da0919c972ac43c1d32eb807d9171a9bbc229bf3445d3&scene=21#wechat_redirect" textvalue="复利的“滚雪球”的魅力，" linktype="text" imgurl="" imgdata="null" tab="innerlink"><em>复利“滚雪球”的魅力</em></a></span><span >。</span></p><p ><span >下面单独将60岁领取的详细数据列出来，看看“三金”数据的具体表现。<br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTO3QHsaNhvu4v5ppmSqZ8OgkcDme5HLqyIbLVicQueYEPt7Z4GKp3mPBANu07HiaZpnE1GjBEhfwacQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTO3QHsaNhvu4v5ppmSqZ8OgkcDme5HLqyIbLVicQueYEPt7Z4GKp3mPBANu07HiaZpnE1GjBEhfwacQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >60岁开始领取，领取金额上每年差了7千多，可别小看了这数字，一年7千，10年就是7万了。</span></section><section ><span >身故设置上<strong>龙抬头</strong>和<strong>龙抬头2.0</strong>都是保证领取20年，<span >万一身故也有足够的杠杆；</span></span></section><section ><span >也就是说领了几年身故了，还能给到受益人应领未领的养老金。</span></section><section ><span >例如，领了5年不幸身故了，龙抬头能给到应领未领的<strong>78.8万</strong>的养老金，</span></section><section ><span >而龙抬头2.0只能给到<strong>68.3万</strong>的养老金，两者差了近<strong>10万</strong>！<br /></span></section><section ><span >在退保金上也就是现金价值的数据表现上，最高的能差6万多，差距可谓悬殊！<br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTO3QHsaNhvu4v5ppmSqZ8OgPtqfIqgkmhOoQiaZfM4guwIf6NBic3JKj7KQNhibmAaOGFW8ia3icTbJogw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTO3QHsaNhvu4v5ppmSqZ8OgPtqfIqgkmhOoQiaZfM4guwIf6NBic3JKj7KQNhibmAaOGFW8ia3icTbJogw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >总的来看，新老年金产品的差距就是这么大！</span></section><p ><span >买养老金的目的就是为了老了以后有一笔不错的现金流，安心养老，提高老年的生活品质。</span></p><section ><span ><span >这波3.0%的养老年金上线，收益少了，</span>品质上肯定也要大打折扣了~</span></section><section ><span ><br /></span></section><section ><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="color: rgb(139, 207, 224); text-align: justify" powered-by="xiumi.us"><p style="text-align: right"><strong>02</strong></p></section></section><section ><section style="text-align: left" powered-by="xiumi.us"><section ><svg viewbox="0 0 1 1" ></svg></section></section><section style="text-align: right" powered-by="xiumi.us"><section style="color: rgb(112, 139, 136)"><p><br /></p></section></section></section></section></section></section></section><section ><span >从<span style="color: rgb(255, 0, 0)">4.025%</span>下调至<span style="color: rgb(255, 0, 0)">3.5%，</span>再到如今的<span style="color: rgb(255, 0, 0)">3%。</span></span></section><section ><span >只能说，下调后，恢复<span >肯定是不大可能的了，</span></span></section><section ><span >毕竟利率下调是大势所趋，可以预见的是未来很长一段时间是不会再有定价利率3.5%的产品了。<br /></span></section><section ><span >我们回顾历史数据，</span><span >这不是第一次下调定价利率，也不会是最后一次调整。</span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTOUE9IzkqAwfiamTfXqqm7h1caaFAEwqHar9VvBa4ld0L9Vg8Xd3OgZ8FwTgABZwKddJOQwno6HTgw%2F640%3Fwx_fmt%3Djpeg%26tp%3Dwxpic%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTOUE9IzkqAwfiamTfXqqm7h1caaFAEwqHar9VvBa4ld0L9Vg8Xd3OgZ8FwTgABZwKddJOQwno6HTgw/640?wx_fmt=jpeg&tp=wxpic&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >也许再经过几年的利率下行后，现在看不上的3.0%产品，都会成为彼时的“高回报产品”了。</span></p><p ><span >因而，7月31日，将又是保险利率史上的一个重大历史时间节点了。</span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTO3QHsaNhvu4v5ppmSqZ8OgubDf9FVlYqFkX4zicDWMHYYG37gXnkmTWr7SbwUehPgp1knkMq92r7g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTO3QHsaNhvu4v5ppmSqZ8OgubDf9FVlYqFkX4zicDWMHYYG37gXnkmTWr7SbwUehPgp1knkMq92r7g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: left"><span >当预定利率越低，保费就越高，这样我们必须花更多的钱才能得到原本同样的权益。</span></section><section style="text-align: left"><span >其实，年金险的利率下调和我国当前老龄化加剧，以及随之而来的养老压力也有一定关系。</span></section><section style="text-align: left"><span >虽然社保养老金在上调，但老龄化形式严峻，养老金替代率持续下行。</span></section><section style="text-align: left"><span >养老金替代率是衡量劳动者退休前后的生活水平差异的基本指标，数据显示，目前已经降至44%左右了，看来养老生活品质不断降低。</span></section><section style="text-align: left"><span >社保保障不足，养老额度有限，越来越多的人求助于第三支柱养老，而商业养老金就是第三支柱养老的重要组成部分。<br /></span></section><section style="text-align: left"><span >随着生活水平的提高和医疗技术的进步，人均寿命也在持续延长，后续保险公司的支付压力也将持续加大。<br /></span></section><p style="text-align: left"><span >因而为了预防利差损的风险，维持保险公司长期稳定的运营，降低产品的收益也是最直接的方法。</span></p><p ><span >简单来说，如果不趁现在还能买到3.5%的产品，以后再规划养老的成本会不断加大，或者收益打折了。<br /></span></p><p ><span >最后时刻了，时间真的不等人，赶紧弄清需求，选择适合的自己的产品上车至关重要。</span></p><p ><span >为了方便，我给大家直接整理好了最后时刻必买的【好产品】：</span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTO3QHsaNhvu4v5ppmSqZ8OgoTaG2kY6nXtoubHaR5PmDfrQBG9ZiaOrndxvQQibcaUAFiblHMLM468nw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTO3QHsaNhvu4v5ppmSqZ8OgoTaG2kY6nXtoubHaR5PmDfrQBG9ZiaOrndxvQQibcaUAFiblHMLM468nw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(33, 89, 103)"><em><strong><span style="color: rgb(33, 89, 103)">如果还有其他疑问，可以扫描下方二维码，添加我们专业规划老师，免费咨询~</span></strong></em></span><span style="color: rgb(33, 89, 103)"><em><strong><span ></span></strong></em></span></section><section ><strong><span style="color: rgb(0, 0, 0)">往期阅读回顾：</span></strong></section><section ><span style="color: rgb(33, 89, 103)"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247497180&idx=1&sn=521723a9ec3fdcb6551f95db2872c7a5&chksm=cfb6165cf8c19f4a0b86e0b7d22752e2d77780785e70907d1fae9235c7d4bdaf36f06e81c6dc&scene=21#wechat_redirect" textvalue="下架倒计时，必买的好产品" linktype="text" imgurl="" imgdata="null" tab="innerlink">下架倒计时，必买的好产品</a><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247497151&idx=1&sn=074666ff34d50d8830b590476b14b352&chksm=cfb6163ff8c19f299351d37502a8bfaf449faba1212fc65bfb436773a2a962f20d06f8046479&scene=21#wechat_redirect" textvalue="最值得投的增额寿，换它了" linktype="text" imgurl="" imgdata="null" tab="innerlink">最值得投的增额寿，换它了</a><br /></span></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247497106&idx=1&sn=644e739a917dc967a79c4fa066e8c100&chksm=cfb61612f8c19f04e31c189027d2a4e36080f8e0aa026a359ba1bd54ad3b9a2fe22de0a1fdae&scene=21#wechat_redirect" textvalue="3.5%退市，动真格了" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >3.5%退市，动真格了</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247497099&idx=1&sn=11649db08ce5ae45eca8a20cc558d4c0&chksm=cfb6160bf8c19f1d329eb87c104dafc3b8338fb87f8d35bb0c2e718d52bf202a8dc4e5328b26&scene=21#wechat_redirect" textvalue="最值得选的养老年金，就这些" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >最值得选的养老年金，就这些</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247497084&idx=1&sn=8d78782c06f602b05f306f68dc578a89&chksm=cfb616fcf8c19fea5bae24eac49d3a3db956df21bcbf0c8e9f11db7652527f0b601b3f9a6b06&scene=21#wechat_redirect" textvalue="首批3.0%增额寿已上市，降了多少？" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >首批3.0%增额寿已上市，降了多少？</span></a><br /></section><section ><br /></section><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section style="text-align: justify" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><svg viewbox="0 0 1 1" ></svg></section></section></section><section ><section powered-by="xiumi.us"><section style="color: rgb(139, 207, 224)"><p >END</p></section></section></section><section ><section powered-by="xiumi.us"><section ><svg viewbox="0 0 1 1" ></svg></section></section></section></section></section></section></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTO3QHsaNhvu4v5ppmSqZ8OgKR6DotnITyibkwFntgoQeMdlKpNLmq4RvoFxVJn5TzpEqJictibveH1ZA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTO3QHsaNhvu4v5ppmSqZ8OgKR6DotnITyibkwFntgoQeMdlKpNLmq4RvoFxVJn5TzpEqJictibveH1ZA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><p ></mp-style-type></p>
