<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZCuCTDAUzkF1Ijdh4dYiczm3vtI1trmfRuCPicbPm4DbVGh5roJ3dzBiavkPZElx7P3frN1icXrNRdzTQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZCuCTDAUzkF1Ijdh4dYiczm3vtI1trmfRuCPicbPm4DbVGh5roJ3dzBiavkPZElx7P3frN1icXrNRdzTQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >延迟退休，一直都是热门话题。</span></section><section ><span >透过现象看本质，是老龄化形势严峻，是生育率不足，是第一支柱承压，这些都让养老切实成了一个大问题！</span></section><section ><span >但与此同时，群众的养老意识也在慢慢增强，</span></section><section ><span >作为第三支柱重要组成部分的商业<strong>养老年金险</strong>，<span >受到了越来越多人的关注。</span></span></section><section ><span >各大互联网平台自然也把这块当成了重点，</span><br /></section><section ><span >像大家常用的“国民级”APP——支付宝，里面就有多款“金选”养老金产品，平时很多朋友都会问到。</span></section><p ><span >那支付宝上的这些养老金，含金量究竟有多少呢？</span></p><p ><span ><br /></span></p><section ><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section><section ><section style="text-align: justify; color: rgb(69, 107, 176)" powered-by="xiumi.us"><p ><strong><span >01</span></strong><br /></p></section></section><section ><section powered-by="xiumi.us"><section style="text-align: left"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><section ><span >点进<strong>支付宝-蚂蚁保</strong>的养老金首先会看到这些：</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZD4HLry2J6BHAAcw6UvYPAdOqw71y5lIeyMRIQyGVIYbwZeVt6wycT939MOyicnJE8oD7C83h0WuEg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZD4HLry2J6BHAAcw6UvYPAdOqw71y5lIeyMRIQyGVIYbwZeVt6wycT939MOyicnJE8oD7C83h0WuEg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >荣获“</span><strong><span style="color: rgb(255, 169, 0)">蚂蚁保金选</span></strong><span >”称号的产品有三款：</span><span style="color: rgb(34, 101, 193)"><strong>笔笔盈、终身盈、满满盈</strong></span><span >。</span></section><section ><span >不过，</span><span style="color: rgb(0, 0, 0)"><strong><span >全民保·笔笔盈</span></strong></span><span >和后面的</span><span style="color: rgb(0, 0, 0)"><strong>全民保·年年盈</strong></span><span >都由太平人寿承保，保险条款一致。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZCgTibvziaMGlumwuXDq3crAFpLnRJS9SgypIFjbJd2rYGKUEANAzib2h3zt7lgew42Mqq8ZhMYOXpzA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZCgTibvziaMGlumwuXDq3crAFpLnRJS9SgypIFjbJd2rYGKUEANAzib2h3zt7lgew42Mqq8ZhMYOXpzA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >只是分为了两个不同的销售计划，一些细节上有所不同。</span></section><section ><span >例如，</span></section><section ><span >在36-50岁之间投入的话，60岁后领取的养老金不同；</span></section><section ><span >以及到88岁时领取的祝寿金不同。</span></section><section ><span >因此可以看作一款产品。</span></section><section ><span >只不过支付宝的投保界面非常简单，</span></section><section ><span >无论哪款，我们只能看到投了多少钱，最后能领取多少钱,</span></section><section ><span >看的有些让人摸不着头脑。</span></section><section ><span >我们说过，<br /></span></section><section ><span ><em><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">养老年金险，看这3点就够了</a></em></span></section><section ><span >一看领取的养老金；<br /></span></section><section ><span >二看身故金；<br /></span></section><section ><span >三看退保金也就是现金价值。<br /></span></section><section ><span >因此，我把这几款产品隐藏的详细数据都整理出来了，方便大家参考。</span></section><section ><span >是骡子是马，拉出来溜溜~<br /></span></section><section ><span style="color: rgb(34, 101, 193)">以40岁女性，总交50万，5年交，60岁领取为例：</span><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZCyvBppuiboAZ8CRp6w15SgibFA7D4SgdAx0WOWHyhhsyz1gmibp8dJLQWrPBtIHcPEnzwFPwzDqAQOg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZCyvBppuiboAZ8CRp6w15SgibFA7D4SgdAx0WOWHyhhsyz1gmibp8dJLQWrPBtIHcPEnzwFPwzDqAQOg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >其中满满盈可以选择领取至70/75/80/85岁，我们以领取至80岁为例。<br /></span></p><p ><span >从这几款的数据表现来看，</span></p><p ><span ><strong>如果领取至80岁时</strong>，中国人寿-满满盈相比其他三款极其有优势！</span></p><p ><span >不仅领取的年金很高，而且满期后，还会给付一笔祝寿金，到80岁时年金回报达到3.19%，相比其他三款，领先一大截！</span></p><p ><span >不过这款产品算是定期养老金，满期回报高一些很正常。<br /></span></p><p ><span >其他三款可以终身领取的养老金中，</span></p><p ><span >太平人寿承保的两款都是<strong>领取到88岁</strong>时，给付一笔祝寿金。</span></p><p ><span >虽然笔笔盈每年领取的年金会高一些，</span></p><p ><span >但是年年盈给付的祝寿金会高出笔笔盈很多，领取年金的差距可以在给付的祝寿金上弥补回来。</span></p><p ><span >而长城人寿承保的终身盈虽然没有祝寿金，但是每年领取的年金非常高，</span></p><p ><span >到90岁时年金回报达到3.78%，数据表现上来看，太平人寿承保的两款都望尘莫及。</span></p><p ><span style="color: rgb(34, 101, 193)">另外，这几款产品中，只有终身盈保证领取20年。</span></p><p ><span style="color: rgb(0, 0, 0)">也就是说，假如刚领几年身故去世了，也能把应领未领的保证领取金给到受益人。</span></p><p ><span style="color: rgb(0, 0, 0)">太平人寿承保的两款都是88岁前身故赔付已交保费和现金价值的最大值，88岁后身故没有赔偿。</span></p><p ><span style="color: rgb(34, 101, 193)">但严格来说，</span></p><p ><span style="color: rgb(34, 101, 193)">这几款金选产品，和市面上同类型的产品相比，数据表现都很一般，也就长城的终身盈好一些。</span></p><p ><span >举个例子，满满盈这款定期养老金，<strong>至80岁</strong>的满期回报仅3.19%，而在售同类定期年金最高能到3.7%！</span></p><p ><span >还有终身养老金，目前市面第一梯队产品<strong>至90岁</strong>的回报能有3.8%-3.9%，</span></p><p ><span >年年盈和笔笔盈距离这个高度存在较大差距，倒是长城终身盈能有3.78%还算“体面”。</span></p><section ><span ><br /></span></section><section ><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section><section ><section style="text-align: justify; color: rgb(69, 107, 176)" powered-by="xiumi.us"><p ><strong><span >02</span></strong><br /></p></section></section><section ><section powered-by="xiumi.us"><section style="text-align: left"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><p ><span >看完收益，我也把产品的一些基本情况列了出来：</span><br /></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDDg9TzK48YBwMJqLDTrSIPou1v6zYyaBXcQJNa9marZFqFd8icoCRqSZpV8z08qAZwyPNQKqiaFuEQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDDg9TzK48YBwMJqLDTrSIPou1v6zYyaBXcQJNa9marZFqFd8icoCRqSZpV8z08qAZwyPNQKqiaFuEQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >几款最有优势的一点，就是投保门槛极低，最低的笔笔盈1块钱就可以投；</span></p><p ><span >增值服务这块都比较平庸，没有什么太大特色，</span></p><p ><span >其中只有太平人寿产品的支持对接养老社区，其他两款都不支持。</span></p><p ><span >总的来说，</span></p><p ><span >支付宝上的养老年金</span><span >可月交，有的甚至能周交，极高地提升了灵活性。</span></p><p ><span >可<span >测评完这些产品，最核心的年金数据表现真的有点让人失望。</span></span></p><p ><span >很多人还因为有着国民APP的背书，就稀里糊涂就买了。</span></p><p ><span >不知不觉就亏了几十万养老金！</span></p><p ><em><span >这点不是我危言耸听，以前面的满满盈为例，60岁开始每年领5万，领取20年，最后满期金23.5万；</span></em></p><p ><em><span >而市面某产品，同等投入，也是<span >60岁开始每年领5万，领取20年，最后满期金是50万！</span></span></em></p><p ><span >养老问题可是关乎整个老年的幸福生活，规划的不好真的很尴尬。</span></p><p ><span ><strong><span >作为家庭最重要的支出，选择产品时，值得我们多家对比、慎重考虑！</span></strong></span></p><p ><br /></p><section ><span ><strong>往期阅读回顾：</strong></span></section><section ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247496840&idx=1&sn=01807b2d25242ccc1af7ef1dfe8def47&chksm=cfb61708f8c19e1ef08aace37b4076fa719f3b2efcce7503e55dba42b852f01da1bb427b213d&scene=21#wechat_redirect" textvalue="养老年金险，就看这些！" linktype="text" imgurl="" imgdata="null" tab="innerlink">养老年金险，就看这些！</a></span><span ><strong><br /></strong></span></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247496838&idx=1&sn=4675540ebd38111ad7fdf03871d75083&chksm=cfb61706f8c19e103b78dfaf284bcd71a2047aeb7e6b679bac62f9e68576f622304663aa5a3e&scene=21#wechat_redirect" textvalue="“宇宙第一大行”卖的增额寿，是啥水平？" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >“宇宙第一大行”卖的增额寿，是啥水平？</span></a></section><section ><br /></section><section ><strong><span >如果还有疑问，欢迎扫描下方二维码找我团队专业规划老师，免费咨询~</span></strong></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FNGupRwr5hZD4HLry2J6BHAAcw6UvYPAdZ6WBGKPEbMVLXoL7DtoTMLU3iayoVVO1jMRHibt5Zgy7aw7lPgtBCdBA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/NGupRwr5hZD4HLry2J6BHAAcw6UvYPAdZ6WBGKPEbMVLXoL7DtoTMLU3iayoVVO1jMRHibt5Zgy7aw7lPgtBCdBA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></p><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(84, 103, 239)"><p >END<br /></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 ></mp-style-type></p>
