当你老了，能靠谁？盘点中国人的五大养老误区！
<p><br></p><section style="box-sizing: border-box;font-size: 16px;"><section style="text-align: center;margin: 10px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 95%;vertical-align: top;line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><img class="raw-image" data-ratio="0.064" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FtLjzWHBbicHibXibGvibWKsqHibvS13icb7icuML5F3feMl45FWaoCAqM0QIiarN7tH8Dic7JUkffje6fLbG8IJIWibCvsbQ%2F640%3Fwx_fmt%3Dpng" data-type="png" data-w="625" style="vertical-align: middle;box-sizing: border-box;"></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;background-color: rgb(246, 237, 236);border-style: none solid solid;border-width: 1px;border-radius: 0px;border-color: rgba(206, 175, 151, 0.84);line-height: 1.8;letter-spacing: 1.8px;padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><section class="horizontal-tb" style="text-align: justify;font-size: 14px;letter-spacing: 0px;color: rgb(152, 126, 102);box-sizing: border-box;" powered-by="xiumi.us"><p style="margin-top: 0pt;text-align: left;direction: ltr;unicode-bidi: embed;word-break: normal;white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="letter-spacing: 0px;text-align: justify;box-sizing: border-box;">据最新数据显示，我国60周岁以上老年人口已超2.4亿，约占总人口的17.3%；65周岁以上老年人1.58亿，约占总人口11.4%。伴随着老年人口的增加，过去10多年整体扶养压力逐年攀升。“倒金字塔家庭”、“空巢老人”，养老已经成为人们无法回避的话题。</span></strong><br style="box-sizing: border-box;"></p></section><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(249, 110, 87);height: 1px;box-sizing: border-box;"></section></section></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="margin: 10px 0%;box-sizing: border-box;"><section style="display: inline-block;width: 100%;vertical-align: top;background-position: 0% 0%;background-repeat: repeat;background-size: 100.734%;background-attachment: scroll;padding: 15px;background-image: url(" https:="" mmbiz.qpic.cn="" mmbiz_png="" tljzwhbbichibxibgvibwksqhibvs13icb7icumicwkv5iooa4vicxaic0odupghezexwbmkdsjjwukg4cf5f1gcg4gzscaq="" 640?wx_fmt="png");box-sizing:" border-box;"=""><section class="horizontal-tb" style="color: rgb(112, 102, 96);box-sizing: border-box;" powered-by="xiumi.us"><p style="text-align: center;white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;">卖掉北京房养了白眼狼？</strong><br style="box-sizing: border-box;"></p><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">去年，网曝一位81岁老人在亚特兰大机场停留了3天，而她的女儿就在该城市。老人独自支撑女儿从清华毕业，并留学美国，还卖掉北京旧居供孙女上大学。但移民后她被美国女婿虐待，还被骂作老恐龙，女儿孙女也很冷漠。</p><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">后续：在经过将近30小时的旅程，老人安全抵达北京首都机场。温暖的是，志愿者已经早早地来到机场静候老人。老人的一位朋友去机场接机，并和志愿者互留了联系方式。</p></section></section></section></section><section style="margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;align-items: center;box-sizing: border-box;"><section style="flex: 1 1 auto;height: 1px;background-color: rgb(246, 233, 205);box-sizing: border-box;"></section><section style="flex: 0 1 auto;box-sizing: border-box;"><section opera-tn-ra-cell="_$.pages:0.layers:0.comps:2.col1" style="padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><section style="text-align: center;margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 22px;height: 13px;vertical-align: top;overflow: hidden;line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 119.9 66.1" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" width="100%"><path style="box-sizing: border-box;" d="M4.4,65.4L4.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L23.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L14.3,61.7C12.6,65.4,8.2,67.1,4.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M45.4,65.4L45.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L64.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L55.3,61.7C53.6,65.4,49.2,67.1,45.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M86.4,65.4L86.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9l22.9-51.1c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L96.3,61.7C94.6,65.4,90.2,67.1,86.4,65.4z" fill="rgb(246, 233, 205)"></path></svg></section></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);box-sizing: border-box;"><section class="horizontal-tb" style="text-align: justify;color: rgb(101, 32, 10);font-size: 18px;padding-right: 10px;padding-left: 10px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;">盘点一：养儿防老靠得住吗？</strong></p></section></section><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 22px;height: 13px;vertical-align: top;overflow: hidden;line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 119.9 66.1" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" width="100%"><path style="box-sizing: border-box;" d="M4.4,65.4L4.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L23.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L14.3,61.7C12.6,65.4,8.2,67.1,4.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M45.4,65.4L45.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L64.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L55.3,61.7C53.6,65.4,49.2,67.1,45.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M86.4,65.4L86.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9l22.9-51.1c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L96.3,61.7C94.6,65.4,90.2,67.1,86.4,65.4z" fill="rgb(246, 233, 205)"></path></svg></section></section></section></section></section></section></section></section><section style="flex: 1 1 auto;height: 1px;transform: matrix(-1, 0, 0, 1, 0, 0);-webkit-transform: matrix(-1, 0, 0, 1, 0, 0);-moz-transform: matrix(-1, 0, 0, 1, 0, 0);-o-transform: matrix(-1, 0, 0, 1, 0, 0);background-color: rgb(246, 233, 205);box-sizing: border-box;"></section></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">在西方国家，推崇的养老方式叫做接力式：他们只负责抚养子女，在自己老年生活里面，加上他本身所处的社会环境福利和个人购买的保险产品，基本可以自己照顾自己的生活，不需要子女负担。而养儿防老是我们国家传统的观念。许多家长将毕生的所有积蓄都放在子女身上，老来却成为子女的负担………</p></section><section style="margin: 34px 0% 8px;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(62, 62, 62);height: 1px;box-sizing: border-box;"></section></section><section style="margin: -24px 0% 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section class="horizontal-tb" style="display: inline-block;border-width: 2px;border-style: solid;border-color: rgb(2, 77, 69);padding: 0.1em 0.3em;background-color: rgb(255, 255, 255);color: rgb(2, 77, 69);box-sizing: border-box;"><p style="box-sizing: border-box;">1、421家庭结构等问题突出</p></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"> 计划生育政策下：低出生率、421家庭等问题突出。一个小孩子最终要负担两个父母，然后再加上四位老人。一个人要抚养6个人，在这种结构里面，先不说子女孝不孝顺，就算孝顺也可能心有余而力不足。所以说：靠子女养老并不科学。</p><p style="white-space: normal;box-sizing: border-box;">所以说：靠子女养老并不科学。<br style="box-sizing: border-box;"></p></section><section style="margin: -24px 0% 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section class="horizontal-tb" style="display: inline-block;border-width: 2px;border-style: solid;border-color: rgb(2, 77, 69);padding: 0.1em 0.3em;background-color: rgb(255, 255, 255);color: rgb(2, 77, 69);box-sizing: border-box;"><p style="box-sizing: border-box;">2、丁克人群、无子女人群靠什么</p></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"> 十几年前，如果有人30岁还不结婚，世人可能会觉得这个人可能有毛病，脑子有问题。要是两个人结婚了不生孩子，世人也会想，这两口子有问题，是不是生不出孩子？</p><p style="white-space: normal;box-sizing: border-box;"> 但纵观今日社会，独身主义，已经成为盛行的新鲜词汇；丁克一族，结婚不要孩子，就自己过，这样的族群越来越大，这就是社会的变化。</p></section><section style="margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;align-items: center;box-sizing: border-box;"><section style="flex: 1 1 auto;height: 1px;background-color: rgb(246, 233, 205);box-sizing: border-box;"></section><section style="flex: 0 1 auto;box-sizing: border-box;"><section opera-tn-ra-cell="_$.pages:0.layers:0.comps:9.col1" style="padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><section style="text-align: center;margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 22px;height: 13px;vertical-align: top;overflow: hidden;line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 119.9 66.1" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" width="100%"><path style="box-sizing: border-box;" d="M4.4,65.4L4.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L23.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L14.3,61.7C12.6,65.4,8.2,67.1,4.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M45.4,65.4L45.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L64.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L55.3,61.7C53.6,65.4,49.2,67.1,45.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M86.4,65.4L86.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9l22.9-51.1c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L96.3,61.7C94.6,65.4,90.2,67.1,86.4,65.4z" fill="rgb(246, 233, 205)"></path></svg></section></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);box-sizing: border-box;"><section class="horizontal-tb" style="text-align: justify;color: rgb(101, 32, 10);font-size: 18px;padding-right: 10px;padding-left: 10px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;">盘点二：社保养老够不够？</strong></p></section></section><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 22px;height: 13px;vertical-align: top;overflow: hidden;line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 119.9 66.1" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" width="100%"><path style="box-sizing: border-box;" d="M4.4,65.4L4.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L23.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L14.3,61.7C12.6,65.4,8.2,67.1,4.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M45.4,65.4L45.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L64.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L55.3,61.7C53.6,65.4,49.2,67.1,45.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M86.4,65.4L86.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9l22.9-51.1c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L96.3,61.7C94.6,65.4,90.2,67.1,86.4,65.4z" fill="rgb(246, 233, 205)"></path></svg></section></section></section></section></section></section></section></section><section style="flex: 1 1 auto;height: 1px;transform: matrix(-1, 0, 0, 1, 0, 0);-webkit-transform: matrix(-1, 0, 0, 1, 0, 0);-moz-transform: matrix(-1, 0, 0, 1, 0, 0);-o-transform: matrix(-1, 0, 0, 1, 0, 0);background-color: rgb(246, 233, 205);box-sizing: border-box;"></section></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">小王是位80后，今年30岁，他已经开始为自己的养老做打算了。假设60岁时退休（不考虑延迟退休），按照平均寿命80岁计算，小王需要为自己退休后的20年准备养老金。假设退休后每月的基本生活开销等同于现在2000元的购买力，考虑到通货膨胀，以3%的通胀计算，这20年需要准备100多万元。如果考虑到退休后医疗支出，养老成本预计要200万。</p><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="margin: -24px 0% 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section class="horizontal-tb" style="display: inline-block;border-width: 2px;border-style: solid;border-color: rgb(2, 77, 69);padding: 0.1em 0.3em;background-color: rgb(255, 255, 255);color: rgb(2, 77, 69);box-sizing: border-box;"><p style="box-sizing: border-box;">1、未富先老，中国的养老困局</p></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">不是说社保不好，而是说仅靠社保养老，解决不了养老生活的全部问题。现在人越来越长寿，导致很多国家进入老龄化社会。这里的“很多国家”，主要是指一些发达国家，但中国现在还是一个发展中国家，就已经率先进入老龄化阶段了——也就是说，我们面临着一种未富先老的困境。</p><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">着一种未富先老的困境。<br style="box-sizing: border-box;"></p></section><section style="margin: -24px 0% 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section class="horizontal-tb" style="display: inline-block;border-width: 2px;border-style: solid;border-color: rgb(2, 77, 69);padding: 0.1em 0.3em;background-color: rgb(255, 255, 255);color: rgb(2, 77, 69);box-sizing: border-box;"><p style="text-indent: 0em;box-sizing: border-box;">2、替代率66%的社保够不够？<br style="box-sizing: border-box;"></p></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">据人社部统计，近五年来，我们国家的企业职工养老金替代率(养老金领取水平与退休前工资收入水平之间的比率)一直维持在66%左右。如果考虑到老年后医药开支增加、通货膨胀等因素，仅靠基本养老保险还是远远不够的。</p></section><section style="margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;align-items: center;box-sizing: border-box;"><section style="flex: 1 1 auto;height: 1px;background-color: rgb(246, 233, 205);box-sizing: border-box;"></section><section style="flex: 0 1 auto;box-sizing: border-box;"><section opera-tn-ra-cell="_$.pages:0.layers:0.comps:15.col1" style="padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><section style="text-align: center;margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 22px;height: 13px;vertical-align: top;overflow: hidden;line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 119.9 66.1" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" width="100%"><path style="box-sizing: border-box;" d="M4.4,65.4L4.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L23.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L14.3,61.7C12.6,65.4,8.2,67.1,4.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M45.4,65.4L45.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L64.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L55.3,61.7C53.6,65.4,49.2,67.1,45.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M86.4,65.4L86.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9l22.9-51.1c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L96.3,61.7C94.6,65.4,90.2,67.1,86.4,65.4z" fill="rgb(246, 233, 205)"></path></svg></section></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);box-sizing: border-box;"><section class="horizontal-tb" style="text-align: justify;color: rgb(101, 32, 10);font-size: 18px;padding-right: 10px;padding-left: 10px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;">盘点三：太早准备没必要？</strong></p></section></section><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 22px;height: 13px;vertical-align: top;overflow: hidden;line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 119.9 66.1" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" width="100%"><path style="box-sizing: border-box;" d="M4.4,65.4L4.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L23.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L14.3,61.7C12.6,65.4,8.2,67.1,4.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M45.4,65.4L45.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L64.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L55.3,61.7C53.6,65.4,49.2,67.1,45.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M86.4,65.4L86.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9l22.9-51.1c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L96.3,61.7C94.6,65.4,90.2,67.1,86.4,65.4z" fill="rgb(246, 233, 205)"></path></svg></section></section></section></section></section></section></section></section><section style="flex: 1 1 auto;height: 1px;transform: matrix(-1, 0, 0, 1, 0, 0);-webkit-transform: matrix(-1, 0, 0, 1, 0, 0);-moz-transform: matrix(-1, 0, 0, 1, 0, 0);-o-transform: matrix(-1, 0, 0, 1, 0, 0);background-color: rgb(246, 233, 205);box-sizing: border-box;"></section></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">现在应该过更好的生活，至于老年问题以后再说——很大一部分的年轻人可能都有这样的想法。面对庞大的医疗费支出、庞大的生活成本，年轻人要不要考虑养老？</p><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="margin: -24px 0% 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section class="horizontal-tb" style="display: inline-block;border-width: 2px;border-style: solid;border-color: rgb(2, 77, 69);padding: 0.1em 0.3em;background-color: rgb(255, 255, 255);color: rgb(2, 77, 69);box-sizing: border-box;"><p style="box-sizing: border-box;">1、养老像爬坡，早了压力小</p></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">专业登山队员爬珠穆朗玛峰的时候，一般会选择南坡，因为南坡坡度很小，而且风景秀丽。其实，养老如同爬山，如果我们选择在20岁爬60岁的山，这个坡度我们走路就可以过去，我们需要的只是时间而已；如果到55岁，甚至60岁的时候再考虑爬60岁的山，这时我们需要扶梯才能上山，甚至还需要专业的登山工具。爬山就是一个过程，而选择什么时候来爬，从什么地方开始爬，就会有呈现出不同的效果。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="margin: -24px 0% 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section class="horizontal-tb" style="display: inline-block;border-width: 2px;border-style: solid;border-color: rgb(2, 77, 69);padding: 0.1em 0.3em;background-color: rgb(255, 255, 255);color: rgb(2, 77, 69);box-sizing: border-box;"><p style="box-sizing: border-box;">2、超过30岁，你要准备养老了</p></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">理财绩效包含三大因素：第一是本金；第二是时间；第三是报酬率。时间越长，在相同的报酬率和本金的情况下，可能获利越大。在养老规划里面，时间就是财富。曾经有位经济大咖讲过一句话：每年存一笔钱，给出一定的报酬率，几十年的时间，每个人都会成为千万富翁。因为时间长，我们就有很长的获利空间，最后就可以轻松地积累财富。如果你今天超过30岁，你要开始准备养老金了。</p></section><section style="margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;align-items: center;box-sizing: border-box;"><section style="flex: 1 1 auto;height: 1px;background-color: rgb(246, 233, 205);box-sizing: border-box;"></section><section style="flex: 0 1 auto;box-sizing: border-box;"><section opera-tn-ra-cell="_$.pages:0.layers:0.comps:21.col1" style="padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><section style="text-align: center;margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 22px;height: 13px;vertical-align: top;overflow: hidden;line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 119.9 66.1" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" width="100%"><path style="box-sizing: border-box;" d="M4.4,65.4L4.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L23.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L14.3,61.7C12.6,65.4,8.2,67.1,4.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M45.4,65.4L45.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L64.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L55.3,61.7C53.6,65.4,49.2,67.1,45.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M86.4,65.4L86.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9l22.9-51.1c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L96.3,61.7C94.6,65.4,90.2,67.1,86.4,65.4z" fill="rgb(246, 233, 205)"></path></svg></section></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);box-sizing: border-box;"><section class="horizontal-tb" style="text-align: justify;color: rgb(101, 32, 10);font-size: 18px;padding-right: 10px;padding-left: 10px;box-sizing: border-box;" powered-by="xiumi.us"><p style="margin-top: 0pt;text-align: left;direction: ltr;unicode-bidi: embed;word-break: normal;white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;">盘点四：船到桥头自然直</strong></p></section></section><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 22px;height: 13px;vertical-align: top;overflow: hidden;line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 119.9 66.1" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" width="100%"><path style="box-sizing: border-box;" d="M4.4,65.4L4.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L23.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L14.3,61.7C12.6,65.4,8.2,67.1,4.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M45.4,65.4L45.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L64.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L55.3,61.7C53.6,65.4,49.2,67.1,45.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M86.4,65.4L86.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9l22.9-51.1c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L96.3,61.7C94.6,65.4,90.2,67.1,86.4,65.4z" fill="rgb(246, 233, 205)"></path></svg></section></section></section></section></section></section></section></section><section style="flex: 1 1 auto;height: 1px;transform: matrix(-1, 0, 0, 1, 0, 0);-webkit-transform: matrix(-1, 0, 0, 1, 0, 0);-moz-transform: matrix(-1, 0, 0, 1, 0, 0);-o-transform: matrix(-1, 0, 0, 1, 0, 0);background-color: rgb(246, 233, 205);box-sizing: border-box;"></section></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">很多人会说：现在的生活有太多压力：每月要还房贷、车贷，还要抚养子女等等，所以，养老的问题现在根本没有办法考虑，船到桥头自然直，到时候再说吧。还有不少人认为：现在我还没有养老规划，一代一代人不都是这么过来的嘛，到时候我也会有自己的办法。</p><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="margin: -24px 0% 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section class="horizontal-tb" style="display: inline-block;border-width: 2px;border-style: solid;border-color: rgb(2, 77, 69);padding: 0.1em 0.3em;background-color: rgb(255, 255, 255);color: rgb(2, 77, 69);box-sizing: border-box;"><p style="box-sizing: border-box;">1、年轻有压力</p></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">年轻时有压力不可怕，可怕的是到了老的时候没有力气、没有能力、没有办法。年轻苦不怕，怕的是老来苦、老来凄惨。所以，年轻的时候就要做好准备。每个月哪怕存100元、200元、300元，省下来一些不必要的开支和应酬，放到养老的储备里面，然后1年、5年、10年、30年日积月累下来，也会变成一笔财富。所以，如果你今天感觉有压力，你更应该为未来去做好准备。</p><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="margin: -24px 0% 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section class="horizontal-tb" style="display: inline-block;border-width: 2px;border-style: solid;border-color: rgb(2, 77, 69);padding: 0.1em 0.3em;background-color: rgb(255, 255, 255);color: rgb(2, 77, 69);box-sizing: border-box;"><p style="box-sizing: border-box;">2、怨自己没有早点准备</p></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">中国人经常有一种心态，碰到人生重大难题时，比方说面临疾病困扰或者面临破产的时候，我们往往会自我安慰：没办法，我的命不好。我们总会找一个看似很好的理由来安慰自己。有一句话叫做“三分天注定，七分靠打拼”。命也是靠自己争取的，我们如果希望自己未来的命好的话，就要有好的思维和好的行动。命运其实掌握在自己的手中！</p></section><section style="margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;align-items: center;box-sizing: border-box;"><section style="flex: 1 1 auto;height: 1px;background-color: rgb(246, 233, 205);box-sizing: border-box;"></section><section style="flex: 0 1 auto;box-sizing: border-box;"><section opera-tn-ra-cell="_$.pages:0.layers:0.comps:27.col1" style="padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><section style="text-align: center;margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 22px;height: 13px;vertical-align: top;overflow: hidden;line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 119.9 66.1" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" width="100%"><path style="box-sizing: border-box;" d="M4.4,65.4L4.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L23.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L14.3,61.7C12.6,65.4,8.2,67.1,4.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M45.4,65.4L45.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L64.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L55.3,61.7C53.6,65.4,49.2,67.1,45.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M86.4,65.4L86.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9l22.9-51.1c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L96.3,61.7C94.6,65.4,90.2,67.1,86.4,65.4z" fill="rgb(246, 233, 205)"></path></svg></section></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);box-sizing: border-box;"><section class="horizontal-tb" style="text-align: justify;color: rgb(101, 32, 10);font-size: 18px;padding-right: 10px;padding-left: 10px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;">盘点五：我会赚钱，不怕养老</strong></p></section></section><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 22px;height: 13px;vertical-align: top;overflow: hidden;line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 119.9 66.1" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" width="100%"><path style="box-sizing: border-box;" d="M4.4,65.4L4.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L23.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L14.3,61.7C12.6,65.4,8.2,67.1,4.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M45.4,65.4L45.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L64.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L55.3,61.7C53.6,65.4,49.2,67.1,45.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M86.4,65.4L86.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9l22.9-51.1c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L96.3,61.7C94.6,65.4,90.2,67.1,86.4,65.4z" fill="rgb(246, 233, 205)"></path></svg></section></section></section></section></section></section></section></section><section style="flex: 1 1 auto;height: 1px;transform: matrix(-1, 0, 0, 1, 0, 0);-webkit-transform: matrix(-1, 0, 0, 1, 0, 0);-moz-transform: matrix(-1, 0, 0, 1, 0, 0);-o-transform: matrix(-1, 0, 0, 1, 0, 0);background-color: rgb(246, 233, 205);box-sizing: border-box;"></section></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">现在会赚钱是赚今天的钱，不是将来有钱。就算再会赚钱的人也不能保证不发生意外，这也是为什么养老金需要专款专用地来准备。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="margin: -24px 0% 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section class="horizontal-tb" style="display: inline-block;border-width: 2px;border-style: solid;border-color: rgb(2, 77, 69);padding: 0.1em 0.3em;background-color: rgb(255, 255, 255);color: rgb(2, 77, 69);box-sizing: border-box;"><p style="box-sizing: border-box;">1、现在有钱不代表将来有钱</p></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">现在投资渠道多，银行理财产品丰富，很多人现在并不缺钱，也可能会赚取很高的回报。但要知道，今天的财富是今天的，不一定属于未来。科学理财的实质是：如何把今天的钱放到未来，要选择更好的方法，这就需要科学的技巧。</p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="margin: -24px 0% 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section class="horizontal-tb" style="display: inline-block;border-width: 2px;border-style: solid;border-color: rgb(2, 77, 69);padding: 0.1em 0.3em;background-color: rgb(255, 255, 255);color: rgb(2, 77, 69);box-sizing: border-box;"><p style="box-sizing: border-box;">2、今天请准备明天的钱</p></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">今天有钱，不代表明天有钱。养老钱是明天的钱，把你今天的钱如何搬到未来，确实是一个技术问题。人生如棋，要走一步看三步，学会运筹帷幄。当有钱时，就要开始准备养老金，让我们不但能现在有钱，未来也有钱。所以，有钱更需要做科学合理的规划。</p><p style="white-space: normal;box-sizing: border-box;"> 想在晚年依然“有钱花”，生活有品质，仅靠社保的力量是绝不可能实现的！从现在开始，就着手准备一笔商业养老险，靠自己的力量许一个美好未来，则是很一件靠谱的事！</p></section><section style="margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;align-items: center;box-sizing: border-box;"><section style="flex: 1 1 auto;height: 1px;background-color: rgb(246, 233, 205);box-sizing: border-box;"></section><section style="flex: 0 1 auto;box-sizing: border-box;"><section opera-tn-ra-cell="_$.pages:0.layers:0.comps:33.col1" style="padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><section style="text-align: center;margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 22px;height: 13px;vertical-align: top;overflow: hidden;line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 119.9 66.1" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" width="100%"><path style="box-sizing: border-box;" d="M4.4,65.4L4.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L23.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L14.3,61.7C12.6,65.4,8.2,67.1,4.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M45.4,65.4L45.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L64.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L55.3,61.7C53.6,65.4,49.2,67.1,45.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M86.4,65.4L86.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9l22.9-51.1c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L96.3,61.7C94.6,65.4,90.2,67.1,86.4,65.4z" fill="rgb(246, 233, 205)"></path></svg></section></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);box-sizing: border-box;"><section class="horizontal-tb" style="text-align: justify;color: rgb(101, 32, 10);font-size: 18px;padding-right: 10px;padding-left: 10px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;">商业养老保险优势多</strong></p></section></section><section style="display: inline-block;vertical-align: middle;width: auto;background-color: rgba(255, 255, 255, 0);line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 22px;height: 13px;vertical-align: top;overflow: hidden;line-height: 0;letter-spacing: 0px;box-sizing: border-box;"><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 119.9 66.1" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" width="100%"><path style="box-sizing: border-box;" d="M4.4,65.4L4.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L23.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L14.3,61.7C12.6,65.4,8.2,67.1,4.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M45.4,65.4L45.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9L64.6,4.4c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L55.3,61.7C53.6,65.4,49.2,67.1,45.4,65.4z" fill="rgb(246, 233, 205)"></path><path style="box-sizing: border-box;" d="M86.4,65.4L86.4,65.4c-3.8-1.7-5.5-6.1-3.8-9.9l22.9-51.1c1.7-3.8,6.1-5.5,9.9-3.8l0,0c3.8,1.7,5.5,6.1,3.8,9.9L96.3,61.7C94.6,65.4,90.2,67.1,86.4,65.4z" fill="rgb(246, 233, 205)"></path></svg></section></section></section></section></section></section></section></section><section style="flex: 1 1 auto;height: 1px;transform: matrix(-1, 0, 0, 1, 0, 0);-webkit-transform: matrix(-1, 0, 0, 1, 0, 0);-moz-transform: matrix(-1, 0, 0, 1, 0, 0);-o-transform: matrix(-1, 0, 0, 1, 0, 0);background-color: rgb(246, 233, 205);box-sizing: border-box;"></section></section></section><section style="margin-top: 10px;margin-bottom: 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: middle;border-right: 2px solid rgb(52, 86, 74);padding-right: 2px;border-top-color: rgb(52, 86, 74);border-bottom-color: rgb(52, 86, 74);border-left-color: rgb(52, 86, 74);box-sizing: border-box;"><section style="border-right: 3px solid rgb(52, 86, 74);padding-right: 3px;border-top-color: rgb(52, 86, 74);border-bottom-color: rgb(52, 86, 74);border-left-color: rgb(52, 86, 74);box-sizing: border-box;"><section class="horizontal-tb" style="background-color: rgb(52, 86, 74);padding-left: 5px;padding-right: 5px;color: rgb(255, 255, 255);box-sizing: border-box;"><p style="box-sizing: border-box;">养老方便靠谱</p></section></section></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">和其他投资工具相比，商业保险位于金字塔的基础位置，不像股市、基金、做生意等赚钱快，但它风险低，总体稳定可靠。而其他的财富管理工具，理论上有可能获得的收益与回报比较高，但存在一定的风险性，实际收益有可能没有预定理想。</p></section><section style="margin-top: 10px;margin-bottom: 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: middle;border-right: 2px solid rgb(52, 86, 74);padding-right: 2px;border-top-color: rgb(52, 86, 74);border-bottom-color: rgb(52, 86, 74);border-left-color: rgb(52, 86, 74);box-sizing: border-box;"><section style="border-right: 3px solid rgb(52, 86, 74);padding-right: 3px;border-top-color: rgb(52, 86, 74);border-bottom-color: rgb(52, 86, 74);border-left-color: rgb(52, 86, 74);box-sizing: border-box;"><section class="horizontal-tb" style="background-color: rgb(52, 86, 74);padding-left: 5px;padding-right: 5px;color: rgb(255, 255, 255);box-sizing: border-box;"><p style="box-sizing: border-box;">养老回报明确</p></section></section></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">只要确定自己希望在退休后每月从保险公司领到多少养老金作为补充，就可以让保险销售人员帮助规划并计算出自己需要购买的保险金额和缴费时间，到了约定的时间就可以开始按时领取了。</p></section><section style="margin-top: 10px;margin-bottom: 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: middle;border-right: 2px solid rgb(52, 86, 74);padding-right: 2px;border-top-color: rgb(52, 86, 74);border-bottom-color: rgb(52, 86, 74);border-left-color: rgb(52, 86, 74);box-sizing: border-box;"><section style="border-right: 3px solid rgb(52, 86, 74);padding-right: 3px;border-top-color: rgb(52, 86, 74);border-bottom-color: rgb(52, 86, 74);border-left-color: rgb(52, 86, 74);box-sizing: border-box;"><section class="horizontal-tb" style="background-color: rgb(52, 86, 74);padding-left: 5px;padding-right: 5px;color: rgb(255, 255, 255);box-sizing: border-box;"><p style="box-sizing: border-box;">有强制储蓄功能</p></section></section></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">现在有许多年轻人是“月光族”，月月挣钱月月花光。如果不要求自己为将来的养老而预先做准备，那么钱在不经意间就花掉了，而老年生活没有了保障。</p><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">商业养老保险恰恰是有强制储蓄功能，要求投保人必须按时定量交保费，如此以来，远期的养老安排就有了计划。另外，由于退保会有损失，因此人们会慎重考虑退保的问题，从而更增强了资金使用的专项性和强制性。</p></section><section style="margin-top: 10px;margin-bottom: 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: middle;border-right: 2px solid rgb(52, 86, 74);padding-right: 2px;border-top-color: rgb(52, 86, 74);border-bottom-color: rgb(52, 86, 74);border-left-color: rgb(52, 86, 74);box-sizing: border-box;"><section style="border-right: 3px solid rgb(52, 86, 74);padding-right: 3px;border-top-color: rgb(52, 86, 74);border-bottom-color: rgb(52, 86, 74);border-left-color: rgb(52, 86, 74);box-sizing: border-box;"><section class="horizontal-tb" style="background-color: rgb(52, 86, 74);padding-left: 5px;padding-right: 5px;color: rgb(255, 255, 255);box-sizing: border-box;"><p style="box-sizing: border-box;">复利的魔力</p></section></section></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">通过复利计算收益的分红型养老保险，时间越久，获得的收益越高，能有效地实现养老目标。</p><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">一方面，“复利的魔力”通过分红型保险可以得到明显的体现。可以转化为养老金，增加领取的保险金额；另一方面，终身型的养老险能够让人活得越久、领得越多，可以部分解决退休后的经济压力，这一特点是其他任何财富管理工具都无法替代的。</p></section><section style="margin-top: 10px;margin-bottom: 10px;text-align: left;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: middle;border-right: 2px solid rgb(52, 86, 74);padding-right: 2px;border-top-color: rgb(52, 86, 74);border-bottom-color: rgb(52, 86, 74);border-left-color: rgb(52, 86, 74);box-sizing: border-box;"><section style="border-right: 3px solid rgb(52, 86, 74);padding-right: 3px;border-top-color: rgb(52, 86, 74);border-bottom-color: rgb(52, 86, 74);border-left-color: rgb(52, 86, 74);box-sizing: border-box;"><section class="horizontal-tb" style="background-color: rgb(52, 86, 74);padding-left: 5px;padding-right: 5px;color: rgb(255, 255, 255);box-sizing: border-box;"><p style="box-sizing: border-box;">抵御通货膨胀</p></section></section></section></section><section class="horizontal-tb" style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">对养老资金来说，最基本的要求是追求资金安全、有保证利益、抵御通胀，这与一般投资追求高收益的原则有所区别。</p><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">商业保险养老有着无可取代的好处。活得越久、领得越多，生活品质还有保障，让人完全不必担心老无所依和拖累子女的问题！</p><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">所以，如果你今天感觉有压力，更应该为未来去做好准备，<strong style="box-sizing: border-box;"><span style="color: rgb(125, 19, 19);box-sizing: border-box;">养老就是存储今天的财富，应对未来30年的生活！</span></strong></p><p style="text-align: right;white-space: normal;box-sizing: border-box;"><span style="font-size: 14px;color: rgb(102, 102, 102);box-sizing: border-box;">资料来源：保险论坛、财商教育、金莞家</span></p><p style="text-align: right;white-space: normal;box-sizing: border-box;"><span style="font-size: 14px;color: rgb(102, 102, 102);box-sizing: border-box;">撰稿人：黑龙江分公司 张秀华</span></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section>
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