年龄，真的会限制你买养老年金吗?

<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkcCCtbfbv5DGzJ9jziciahMKleqUIhqI8o0cHlZThswxPX4K1thfk7lNSjrXPvKUzPMTCiaVVCLC9jrw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkcCCtbfbv5DGzJ9jziciahMKleqUIhqI8o0cHlZThswxPX4K1thfk7lNSjrXPvKUzPMTCiaVVCLC9jrw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >养老的安全感来自于源源不断的养老金。</span></section><section ><span >相同的一笔资金注入养老年金险，时间越久，杠杆效用越大。</span><o:p></o:p></section><section ><span >但如果临近退休或已经退休了，此时还有必要选购养老金吗？</span><o:p></o:p></section><section ><span >毕竟，能让资金“发酵”的时间不多了。</span><o:p></o:p></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">一、</span></strong></span></section><section ><span >先说结论：<strong style="color: rgb(255, 104, 39)"><span >只要能买，就不晚！</span></strong></span></section><section ><span >因为养老年金险是活多久领多久。</span><o:p></o:p></section><section ><span >买好之后，意味着你有一个与生命时间等长的现金流。</span><o:p></o:p></section><section ><span >大多数储蓄险或理财险都是“现金池”，一大笔钱在池子中，自由取用，用完即止。</span><o:p></o:p></section><section ><span >养老年金险是“现金流”，只要人活着，就有源源不断的资金汇入。</span><o:p></o:p></section><section ><span >根据需求做决策，想保证老年生活资金的供应，无论何时买养老年金险都不迟。</span><o:p></o:p></section><section ><span >早买有早买的好处，领取时的养老金额会更高。</span><o:p></o:p></section><section ><span >那么，迟点买，会亏本吗？</span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">二、</span></strong></span></section><section ><span >以35岁/45岁/55岁女性，年交10万，交5年，60岁领取为例。</span></section><section ><span >选取某第一梯队养老年金险进行测算。</span></section><section ><span >该产品养老金可终身领取，退保金（现金价值）能持续到85岁，身故金在保证领取20年结束前都有。</span></section><section ><span >我们将通过回报率来做一个客<span >观的</span>判断。</span></section><section ><strong><span >1、养老金及领取回报</span></strong></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkfjVqXuhUZfwP0ZXFb4kq5h67lfsyWA9LNm9xB5MhYBby0DYRlNVKY5j7tPegSI2EwzCYdheM9ibow%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkfjVqXuhUZfwP0ZXFb4kq5h67lfsyWA9LNm9xB5MhYBby0DYRlNVKY5j7tPegSI2EwzCYdheM9ibow/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >35岁投保的话，60岁开始</span><span >每年可领6.29万元</span><span >。</span></section><section ><span ></span></section><section ><span >45岁每年养老金为4.44万元，晚投保10年，少1.85万元。</span><br /></section><section ><span >55岁每年养老金为3.13万元，晚投保20年，少3.16万元。<br /></span></section><section ><span >明显，越早投保，养老金金额越高。<br /></span></section><section ><span >35岁投保，60岁领取，有25年时间增值。</span></section><section ><span >55岁投保，60岁领取，投保结束即可领取。</span></section><section ><span >考虑进时间成本，计算领取回报。<br /></span></section><section ><span >前期确实早投保的领取回报更高，但</span><span >从8</span><span >5岁开始，</span><span >三</span><span >个</span><span >投</span><span >保年龄</span><span >的</span><span >回</span><span >报</span><span >率</span><span >很</span><span >接近</span><span >。</span></section><section ><span ><span >晚投保虽然养老金较低，但</span>随着领取时间的增长，领取回报则越高。</span></section><section ><span ><strong ><span >2、身故金及身故回报</span></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkdbt3EA3wrWBdj6iaY9bwRghnG1CeuZsvY6KGiciaL3NZiaHMOma5OZgkLGKTu3e5qOe45SN0iav3d3V4Q%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkdbt3EA3wrWBdj6iaY9bwRghnG1CeuZsvY6KGiciaL3NZiaHMOma5OZgkLGKTu3e5qOe45SN0iav3d3V4Q/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><span style="text-align: justify"></span></section><p ><span >若55岁投保，领取后的身故金总额即62.6万，是原保费的1.25倍。<br /></span></p><p ><span >虽然没有35岁或45岁投保的高，但毕竟保费的积累期很短，养老金较低，因此总额低一些也是正常。</span></p><p ><span >保证领取20年，能确保产品发挥杠杆效用。</span></p><p ><span >不会出现多年后只能拿回当初已交保费的情况。</span></p><p ><span >通过身故回报也能明显的看出。<br /></span></p><p ><span >与领取回报类似，从85岁开始，三个年龄段投保的差距越来越小。</span></p><p ><span >从身故角度来说，也是晚投保在后期所产生的价值更高。</span></p><section ><span ></span></section><section ><span ><strong >3、退保金及退保回报</strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkfjVqXuhUZfwP0ZXFb4kq5hCMbyLhDhngTZ7Nv7fFbEyonicH06UrwaAwB0CGgYcHJ8kUJwvLsSRVQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkfjVqXuhUZfwP0ZXFb4kq5hCMbyLhDhngTZ7Nv7fFbEyonicH06UrwaAwB0CGgYcHJ8kUJwvLsSRVQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >回归到产品收益层面来考虑。</span><br /></p><p ><span >退保金是领取总额+退保拿回来的钱。</span></p><p ><span ><span >三者只在领取前20年的<span >退</span><span >保回报</span>差距明显。</span></span></p><p ><span ><span >领取到80岁时，从回报率来看，三者几乎一致。</span></span><span ></span></p><p ><span >到了后期，由于退保金、身故金的保障结束，只剩下能领取终身的养老金，所以最终</span><span >领取回报=身故回报=退保回报。</span></p><p ><span >换句话说，无论从哪个角度来看，无论多大年纪去买养老金险，只要能长期持有，都与年轻时投保产生的价值相当，甚至能更高。<br /></span></p><p ><span ><span >对于“</span><span style="color: rgb(255, 104, 39)"><strong>年纪大买养老年金险=亏</strong></span><span >”的言论无疑是</span><strong ><span style="color: rgb(255, 104, 39)">有力的反击</span></strong><span >。</span></span></p><section ><strong><span >综合三个年龄投保数据来看：</span></strong><span ></span></section><section ><span ></span></section><section ><span ><span ></span></span></section><p ><span >越早投保，越晚领取，中间资金积累期越长，领取越多；</span></p><p ><span >越晚投保，越早领取，中间资金积累期较短，领取变少。</span></p><p ><span >这俩不存在说哪个更好，就数据结果来看也是如此，回报率不骗人，长期领取下来，投保无论早晚都相差无几。</span></p><section ><span ><span ></span></span></section><section ><span >虽然年纪大选购养老年金险在养老金金额上有一定劣势。</span></section><section ><span ><span ></span></span></section><section ><span >但毕竟买的迟，保费积累期较短，导致养老金较低也无可厚非。</span></section><section ><strong><span style="color: rgb(255, 104, 39)">只要长期领取，产生的实际价值就很可观</span></strong><span >。</span></section><section ><span ></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">三、</span></strong></span></section><section ><span >仅为了养老生活，养老年金</span><span >险才是最合适的。<br /></span></section><section ><span >至于年龄，影响不大，<strong>能买就不晚</strong>。</span></section><section ><span >作为纯为养老设计的产品</span><span >。</span></section><section ><span >当前的养老金产品设计完善，领取、身故和退保各有千秋。</span></section><section ><span >还有养老社区、保险金信托等附赠权益。</span></section><section ><span >差异化的竞争，对于我们来说有利有弊。</span></section><section ><span >产品丰</span><span >富，总归有更多的选择。</span></section><section ><span >不知道怎么选这种烦恼，还是交给专业的人吧~<br /></span></section><section label="Powered by 365editor" ><section style="text-align: center; color: rgb(163, 163, 163) !important"><span style="color: rgb(33, 89, 103)"><strong ><span style="color: rgb(33, 89, 103)">【理财+</span></strong></span><span style="color: rgb(33, 89, 103)"><strong ><span >保险+养老】&nbsp;1对1咨询绿色通道</span></strong></span></section><section style="text-align: center; color: rgb(163, 163, 163) !important"><span style="color: rgb(33, 89, 103)">直接识别下方二维码</span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></p><section ></mp-common-profile></section></section><p ></mp-style-type></p>