At present, people's pension financing concept is more and more attention, many people have added pension module in the investment plan. So is Alipay problem pensions paying dividends? What is the cost of Alipay pension and pension insurance? Let's take a look with Xiaobian.
According to the product description of Alipay pension, the liability of pension insurance mainly comes from three aspects, namely:
Pension annuity - men start to receive it at the age of 60, and women start to receive it at the age of 55, with a fixed amount. For example, a 30-year-old man with a pension of 10000 yuan can receive a fixed pension of 1010 yuan every year after he is 60 years old.
Bonus: it can be received from the next month of insurance. The amount of bonus is related to the amount of insurance and the operation of the insurance company, so it is not fixed. Just now, for example, if you buy 10000 yuan insurance, you can get more than 100 yuan of bonus every year according to the median income, and it will cost more than ten yuan every month.
Death insurance benefits: if the insured user dies before receiving, the cash value of the paid premium or policy will be paid. If he dies within 20 years after receiving, the remaining uncollected pension will be paid.
What is the cost of Alipay pension and pension insurance?
There are two old age insurance products on Alipay: ·, lifetime pension, lifetime pension and the upgraded version.
The whole life pension is a kind of bonus insurance, and the income mainly comes from two aspects, one is pension, the other is dividend, in which the pension is fixed and the dividend is not fixed, which is divided into three grades: high, middle and low, starting from 1 yuan.
If you pay a lifetime pension of 1000 yuan per year, you can get a lifetime pension of 10 years, and you can get 62% - 197% of the annual premium every year.