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养老为啥一定要配备一份终身年金险

为啥一定要配一份终身年金险养老

一说起年金险这种储蓄类保险，大家的第一反应就是收益率太低。这么大一笔钱，交付给保险公司这么多年，才1点几或者2点几的收益率，怎么看怎么不划算。实在是有点看不上这样一种养老资金的准备方式。好多朋友可能都会想自己投资一点股票、基金或者说找专业理财机构帮我做投资规划，怎么样都会跑赢养老年金险那一点点收益的。

今天我跟大家聊聊这个问题，大家参考一下，看看自己是否需要配一份终身的年金险，尤其是自雇人士或者全职妈妈。

终身年金险是指的投保人在投保终身年金险后，从约定的年龄开始，直到死亡为止可以一直按月或者按年领取年金的保险。

虽说终身年金险可以得到一辈子的保障，但是如果投保人在刚开始领取年金的时候意外死亡，剩余的年金是不是就领不了了呢?其实并不是这样的，保险公司为了投保人的权益，防止因为投保人过早死亡而领取年金总额过少的情况，设立了保底年金，在投保人死亡时会支付给保单受益人的，所以不必担心这种问题。

其实我自己以前对于年金险也不是很感兴趣，但是最近发生在我身边的一件事，让我再从另外一个角度仔细思考了一下年金险，从而改变了我的看法。

这件事情简单来说就是我一个朋友的父母被一个漏洞百出的电话诈骗了，而且还是被骗着转了两次钱。这个事情是过去了，但是我就在想一个问题，因为这朋友的父母我很了解，他们年轻时绝对是心智上乘，社会的中流砥柱，否则也挣不下上千万的身家，但是随着年龄的增长，为什么在我们看来一个漏洞百出的骗局却让他们上了当？那我就会想，当我自己老了之后是否也会这样上当？我越想越觉得可怕。因为老了之后心智、体能都会退化，这是一个客观规律，如果碰上骗子，骗去了我所有的养老金，怎么办？子女伸手要一点，怎么办？或者说亲戚朋友问我借一大笔钱，我怎么应对？我能想象自己70岁还在打理自己的股票投资账户吗？我在70岁还能自己去收租吗或者跟房屋中介打交道吗? 怎样去解决这样一个心智和体能退化的问题呢? 一句话总结就是“我信不过年老的自己”

年金险这个时候就出场了。它主打的一个稳定的现金流，只要我们活着，不论如何，每个月都有一笔固定的资金到账。就算我这个月的钱被骗了，下个月我还有一笔钱到账。就算我这个月钱被借走了，下个月还有一笔钱到账。不用去管理投资账户，不用跟房屋中介再打交道，只需要负责游山玩水，刷刷手机，每个月都会有固定的收入到账，这样的生活，它不香吗？

还有一点就是现在寿命越来越长，谁知道自己能活多久呢？万一自己是被偏爱的那一个呢。那活多久不确定，我们就需要确定的保证活多久都能够有钱领，对吗？终身年金险就提供这种活多久，领多久的现金流。

所以想到这里，我就觉得很有必要为自己配备一份年金险了。关键是什么时间买这份年金险，这里有两个建议。1. 如果你觉得自己对投资有兴趣，能够自律，也有这个能力可以每年轻松搞定超过3%的收益，那么你人生前半段可以自己投资，等到了人生后半段再购买年金险，购买那种可以马上领钱的年金险。2.如果你觉得术业有专攻，想把时间用在自己更感兴趣的事情上时，那你可以在人生上半段，早早的购买年金险，让保险公司来帮你打理养老金。那你就需要早早的购买一份几十年后领取的年金险，这个时间是越早越好，因为复利奇迹的前提就是时间要足够长。

好了，希望这篇文章能够从另外一个角度让您对年金险有所了解和帮助。

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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After 20 years of living in London, I chose Singapore, this vibrant city, to settle down and be an independent financial consultant.

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在伦敦生活20年之后，选择了定居新加坡，转行成为一名独立理财顾问。虽然自己以前也从事金融行业，自诩对金融业不陌生，但转行之后才惊觉理财是一门单独的学问。

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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策