Is traditional or participating pension insurance better?

Hello, Xinhua Insurance Company, as one of the largest insurance companies in China, has excellent strength and a wide range of products, which are trustworthy.

Generally speaking, commercial pension insurance mainly includes: traditional commercial pension insurance, participating pension insurance, universal life insurance and investment-linked insurance. For different people, the commercial pension insurance that suits you is the best.

How much pension insurance to buy is better, mainly depends on the individual's financial situation, generally speaking, the total cost of the insurance purchased should not be more than 10% of the total income of the individual or family. It is recommended that you can arrange your insurance program accordingly.

In addition, you can refer to:

If you are more conservative in investment and finance, you can choose to mandatory savings for old age as the main purpose of traditional commercial pension insurance.

If you can bear some risk, you can choose with-profits pension insurance with an agreed minimum return, and the return of this part of the dividend is also linked to the operating performance of the insurance company, with a certain degree of uncertainty

Additionally, the main feature of universal pension insurance is that there is a guaranteed rate of interest, with no ceiling, easy access, and compounding value added

Investment Links Insurance does not set a guaranteed return, the profit and loss by all customers are responsible for, the risk is higher

The above is the main types of pension insurance, you can choose according to your personal situation and needs, I hope to help you

Extension of the reading: insurance how to buy, which one is good, hand to hand to teach you to avoid the insurance of these "pits"