Author midge elder sister
"Often depend on somewhat, often raise somewhat " the direction that is social effort all the time.
As China's aged aggravate, the youth also begins to fear his provide for the aged lives it seems that.
As economic development, the pension after a lot of people think a few years cannot make offerings to oneself, begin to choose to buy a place difficult of access of commerce provide for the aged so.
This not, planned 10 year, eventually the duty of be born is delayed model danger of provide for the aged eventually be born.
Who comes to our provide for the aged buy sheet
Annuities closes sooner or later probably not low
Countrywide the aged does to ever released data presentation, the amount of old person of 60 years old of above of our country already was amounted to 215 million, 15.76% what occupy total population about, arrive from 2015 between 2035, old people mouth will add 418 million person, our country will enter quickness aged level.
Respecting provide for the aged, people can think of immediately " annuities " . Actually, we now the endowment insurance of every month capture, do not have good gracious lie in pension account to wait for our Laoshi to enjoy, use however made offerings to present emeritus old person. After social security system begins to execute, there is the company staff of pay social security before, old-age pension can be gotten after retire.
From where does this part annuities come? Come in the endowment insurance that nature is the person pay that working from now.
Monetary inflation, pay is low before, of endowment insurance pay little also, but the growth as prices, the pension of town retiree has grown 10% every year 11 years continuously, if the yield of social security fund the word under this speed, appear sooner or later probably be in debt.
According to this logic, etc we are old, the child pay annuities that is us will make offerings to we. But, at present Chinese children is occupied about 300 million, 17% what occupy total population only, far under the world average level of 27% . That is to say, human fertility is in drop, do not have now enough much children, won't have in the future enough much youth will make offerings to you.
According to however according to world economy forum (WEF) analysis, the whole world annuities deposit breach had exceeded system of 8 main economy 2015 70 trillion dollar. Annuities deficit is growing with the speed of every 24 hours of 2.8 billion dollar, if did not take step of keep within limits, to 2050, deficit will be as high as 400 trillion dollar, be equivalent to at present of global economy dimensions 5 times the left and right sides. Predict 2050, chinese retiree will exceed 600 million, at the appointed time annuities breach will expand quickly.
So, beginning a problem of provide for the aged to carry program probably should be a well-advised decision.
Had social security to still be bought do not buy a place difficult of access of commercial provide for the aged?
A lot of people can ask had us is now every month buys social security, want 15 years to be handed in ceaselessly only, can take annuity. But after 15 years, probably 1000 yuan not worth 1000 yuan.
As aged of the society closer and closer, the society henceforth will present a " 3 tall the characteristic of one low " . Life of average per capita rate of longer and longer, old people medical treatment cost is taller and taller, higher and higher also. And as people income increasing, those who invest channel is wider and wider, bank deposit interest rate will maintain inferior level continuously. Because this is very much the person is earlier now be in prepare for provide for the aged, besides social endowment insurance of the country, a lot of people can choose to buy commercial endowment insurance. The national policy of institution of provide for the aged of our country is dedicated to compose building and 3 big pillar include perfect live out one's life in retirement: Annuity of the endowment insurance in social insurance, enterprise or annuity of mechanism institution profession and commercial endowment insurance.
Provide for the aged carries program ahead of schedule how should be we done
Since May 1, 2018, in Shanghai, Fujian Province (the retail sales that contain mansion) with area of Suzhou industry garden executive individual taxation is given delay model commercial endowment insurance is pilot. Pilot time is provisional a year.
3 kinds of products are changed neatly lifelong get
Duty delays endowment insurance product to include accrual to finalize the design truly, accrual keeps a copy model, accrual float 3 kinds, 4 products.
1. is accrual finalizes the design truly product (A kind) , point to accumulating period offer affirmatory yield (year compound interest) product;
2. is accrual keeps bottom product (B kind) , point to accumulating period offer the yield that keep a copy (year compound interest) , can offer the product of extra income according to investing a circumstance at the same time, but the product that fractionize is accrual of every months of settle accounts (B1 money) the product with accrual of every quarter settle accounts (B2 money) ; 3. It is accrual float product (C kind) , point to accumulating period the product according to accrual of settle accounts of real investment circumstance.
And no matter join,live how long, its oneself or the fund that accumulates in account of the individual when its heir can retire his is gotten; The capital amount that if joined the money that keeps a person to get to had exceeded account of the individual when its are emeritus,accumulates, want its to still live only, the fixed standard that insurance company still can agree according to insurance contract gives to its pay provide for the aged pension, till its die.
This, can saying is very human nature is changed.
The dot is asked for to amount to since duty " 4500 "
Duty delays model danger of provide for the aged: It is to show the policy holder that allows to buy commercial endowment insurance is in a duty front row raise insurance cost, when when getting insurance gold in the future again pay duty.
Actually, this is the commercial endowment insurance that a kind of country offers pay of defer of policy-holder income tax favourable policy.
Common for, buy endowment insurance of this kind of business, can defer pays tax, insurance cost can be deducted before the duty inside certain level, when individual income tax is imposed again when the individual gets commercial old-age pension. As a result of the income after retiring normally considerably under before retiring, the tax payment that the policy-holder when meaning gold of the insurance that get should make becomes little, reduced the duty Wu burden with current policy holder at the same time.
Lunar capture 1000 yuan 2764 yuan are gotten after 60 years old
The announcement is clear, obtain the individual of gains of pay of pay pay, successional service, the insurance cost allow of its pay is being declared deduct computation should give limitation is occupied when specified amount of pay taxes income that month solid deduct, deduct limitation according to when income of pay of monthly wages pay, successional service 6% with 1000 yuan of what small measure decides. That is to say, the deduction of every month the forehead cannot exceed 1000 yuan. For instance, salary 6000 yuan can deduct 360 yuan, and salary 20000 yuan those who deduct is not 1200 yuan, deduct 1000 yuan at most however.
Assume you begin to buy a duty to give from 30 years old extend commercial endowment insurance, take out 1000 yuan every months to cast protect, the product makes sure yield is compound interest 3.5% , when waiting 60 years old to retire, gross pay insurance cost 360 thousand yuan, but account value became 618 thousand yuan. Calculate through essence of life, a month can get 2746 yuan.
Who to suit to buy?
How-to and clear, every above of 16 one full year of life, did not achieve a country to set emeritus age, and accord with " delay about beginning individual taxation to give model the announcement with commercial pilot endowment insurance " formulary individual, all can join protect duty to delay endowment insurance product.
Theoretic, as long as year full it is OK that 16 one full year of lives had not retired.
The pattern that duty extends endowment insurance to adopt is capture take time deduct before duty, the mode of duty is buckled when getting, taxation privilege extent and wage income are direct link up with, accordingly, not be everybody suits to participate in.
Still need not meet the person of a duty at present for instance, also do not talk about pay taxes to accept privilege, do not suggest to buy of course. Because the social security capture of each district expends scale to differ, this lowest line is so diverse also.
If come down integratedly, the tax rate that tax rate should be more than a duty that you buy safe this part money to hand in to get old-age pension finally only 7.5% , can buy! Specific how much be, related to a lot of element, besides income (hand in insurance cost) , return and hand in insurance cost period to count () of birthday, sexual distinction, emeritus age, account category, a lot of element such as the means that get is associated.
The place on put together is narrated, small make up think, to having the person of economic capacity for, it is to be worth to buy.
1.Policy is sound still, maneuverability is strong.
2.Need not the unit is cast protect, it is OK that the individual wants recapture middleman and guarantor to believe the evidence that platform provides to deduct tax to the unit only.
3.Yield does not deduct tax, this can is big head in a few endless years; The 3rd tax rate when getting is simple, actual it is a 7.5% price.
4.25 years old of youths all the time capture arrives 60 emeritus, by 5.5% years all accrual, get 15 years, can get every months 5500 the left and right sides. Can get every months 5500 the left and right sides..
