How many people understand the significance of insurance, we only see the immediate food and clothing. But after the old how to?

  The central bank announced a one-year term RMB deposit interest rate 2.75%, CPI in April this year reached 2.8% increase, in fact in the bank's fund had "diminished".

With more and more social security fund balances, scholars have called for an increase in social security fund investment channel, in order to realize the value of social security funds, the Department also is studying the development of the social insurance fund, especially the investment of the endowment insurance fund, social security fund experience focus market operation will consider the enterprise annuity operation!

Worth noting is the balance of endowment insurance fund is far higher than the pay, according to the communique, the rural social endowment insurance fund accumulated balance of 68100000000 yuan.

The social security card number reached more than 7000

As an important work of social security "information of the golden insurance project", the first phase of construction completed.

By the end of 2009, the level of human resources and social security departments have been established in different degree of data centers, 32 provincial-level units to achieve all of the network is connected with a central data center, 89.1% of the city level and above and the realization of the data center network, metropolitan area network has been connected to the 89.3% social insurance agencies and employment service agencies, and extend to the streets, communities, villages and towns and the medical service institutions.

As a social construction of key social security cards, according to the report, more than 130 area issued in accordance with the national standard of social security card, the card number about 70000000.

These data on how much insurance business personnel concerned, people do not understand, you also do not understand, that is to learn, to explain to the people. We as disseminators of insurance to the customer will be like for their loved ones to the intentions of services. I said to myself: customer is our own things, doing their best to solve the problem for the customer, feel for others. I see in insurance industry in some business personnel with anti point the way to policy, but they may have thought himself in the isolated posterior, a piece of the market has been disrupted, greatly impact the future market development. This is revolting unethical behavior! I personally think that all insurance companies really have to pay attention to this serious problem! Yan kill such business personnel. Its essence and the image we should enhance!

I saw in the information, to China population in 2050 average life expectancy reached the age of 85, this means that if a person work from 22 to 55 years old.

That is to say, a happy retirement, should contain the 'old'. 'my wife', 'friends',' house ',' life ', the four old foundation from the' capital'. Financial planning to let you have enough economic basis to support the front of the 'old four', in order to achieve a successful life."
In view of the current social situation in our country, we have entered the era of '421' home, four elderly people, two middle-aged people to raise a child, family structure that is happiness for children? On the surface looks very happy, but when the children grow up to him the responsibility. Only prepare for retirement, to have the true happiness in life."
Face four major risks in retirement retirement plan in four high risk. The first risk is run behind one's expenses. In financial planning, the biggest crisis not from income, but from the expenditure.

"Second big risks in financial planning is inflation, to find some kind of investment channels, its long-term returns must be higher than inflation, otherwise your assets devaluation. Inflation is wealth 'bandit'; the third risk is financial risk, by 2008 the investor survey found that in 2008, the profit of only 6%, loss of more than 70% were 60%. I have experienced three times of financial crisis, the first time in 1986, second in 1997, third in 2008, once every 11 years, the next financial crisis Is it right? Will be in 2019? Don't underestimate the financial storm, every 11 years once again shuffle. So you have to understand the rules, if know how to grasp the rules, you may be a winner in the financial storm."The fourth risk is the biggest risk -- the risk. "No matter how high the top three risk, as long as the people are not afraid of. Chinese a word called, stay, not afraid of firewood. So says the most terrible is the family economic source of the main problem. In the whole financial planning in the first to talk about is how do good safeguard." Buy insurance to buy the assets

"The rich get richer, the poor poorer, the rich and poor in these two words have not seen some secret? 'rich' characters represent in the home to be able to have a field, Tian can continuously produce things. And 'poor' has been on labor and not planning to do. So I want to 'rich' must have good planning, can not just rely on labor. Who is the old can take care of you?

The key of retirement planning is one of the four factors -- financial solutions, effective enough time, discipline, principal."
There is a very important concept, namely, what is the consumer, what is asset creation. "A lot of people to buy the car as assets, it is consumer goods. And bought the insurance is asset, and the sooner the better buy."
Real full retirement plan should include insurance, insurance is essentially ready reserves to discount. "Such a person every year in the bank deposit 5000 yuan, six years after the day the body is uncomfortable to do a physical examination, physical examination the doctor tell he unfortunately got cancer, operation needs 80000 yuan. Then he went to the bank can only get 30000 yuan to add some interest. "Many people have misconceptions about insurance, that insurance is a kind of cost, but in fact it is a very good financial tool. The new insurance asset creation, fusion asset protection etc.."
I would like to ask how much you "your ideal retirement number now?" Consumers retirement survey, and the successful launch of a variety of market specific retirement insurance plan. In 2006, choose the suitable for your endowment insurance currently on the market of commercial endowment insurance mainly in the traditional type and investment type of old-age insurance two kinds. Consumers should be according to their own situation to decide what kind of insurance. Traditional pension insurance is scheduled to determine the interest rate, generally in the 2.0%N2.4%, brought from the beginning of what time, how much money is insured, you can clear choice and anticipation. But investment of endowment insurance is divided again for participating endowment insurance, universal pension insurance and investment linked pension insurance. Each family should be the traditional purchase a certain proportion of the old-age insurance. "In general, total family income minus expenses, the remaining three of income to buy traditional pension insurance is appropriate." In the current era of low interest rates to buy endowment insurance of such long-term savings insurance, with the investment function of the endowment insurance products, so as to the future market interest rates, insurers can share to the insurance company because of rising interest rates get return on investment.

   
The establishment of a pension savings through pension insurance account, develop a good habit of compulsory savings, increase with age, income and the inclusion of a step by step to achieve the goal.

The most stable investment is actually the insurance! But we want to make clear, dividends insurance department is to make you rich, but on your assets. Like stocks and real estate friends all know recently A shares fall in a row, hitting a year low, coupled with the real estate regulatory policy frequency, the investment market foreground is unidentified, many people in financial management confusion. Experts suggest, in the investment period of confusion, the public needs to re-examine the family financial management structure, to reduce high risk assets ratio of investment at the same time, can preserve and increase in value as the goal, choice can hedge against inflation, and to respond to market fluctuations and long-term financial products, such as insurance dividends.

Since this year, dividends insurance products debut, according to incomplete statistics, as of now has almost 100 participating insurance market. 3 months ago, China life, Chinese Taibao insurance dividends accounted for more than 70% of Ping An insurance, the first two months of the participating insurance sales into more than six. Before 5 months, Taikang Life insurance dividends in the product structure of the total in the proportion has reached 70%, more than last year's level. In the domestic insurance business to a new round of product layout, the world's eighth largest insurance company China Ping An Life sent a strong signal storm dividend insurance market. The reporter learns, China Ping An Life (price, information, comments) recently launched Xin, Xin Xiang, Xinsheng, Jetion to treasure and Jinyu life four dividend insurance products.

Remind the person concerned citizens, corporate earnings and insurance dividends insurance business results linking, dividend insurance product if there is a high dividend yield, the applicant is the icing on the cake. However, as the essence of traditional insurance, dividend insurance fund is the first safety and security features, followed by the investment income. In the capital market remains unclear circumstances, risk sharing to preserve the value of value-added effect.

Experts also said, capital investment in the stock market the proposed allocation of 20%~30%, used to buy blue chips and resource stocks, as a long-term investment; while facing the depth of the adjustment of the real estate market, need to wait for 3~6 months, the stand-by shot. At the same time, must re-examine the family health care and pension adequacy, have fixed savings plan, the public may consider buying some participating insurance products, the principal at the same time, also can realize the quick return, without affecting the quality of life at the same time, but also can save money for the future.

Service tenet: carefully for each customer to provide financial and insurance financial planning, let more families have peace!Service area: Dalian City (district four, the City Development Zone, Jinzhou, Pulandian, Wafangdian City, Lushun, Zhuanghe, China)Service content: endowment insuranceAutomobile insuranceGroup insuranceMedical insurance enterprise annuityMortgage insuranceCargo insuranceBank financial accident insuranceTravel insuranceProperty insurancePing An Bank credit card in the world cross bank ATM zero fee children's InsuranceOverseas insuranceTransportation insuranceConstruction engineering insurance insuranceInsurance of share out bonusTrust managementChildren's education