The desire of seniors to be independent and free is more than ever it was. They want to live your life there is a path free of any responsibility to care for. Is scheduled for retirement in terms of sustaining life, vacation, leisure and even a new business. Families living with your spouse and children after retirement are disappearing. In this scenario, it makes sense to have a pension plan to support independence.
Pension plans to ensure the financial independence of self after retirement. They are unlike life insurance plans to be implemented to ensure the financial security of dependents if you die the policy term.
But what is a pension scheme offer?
Help to create a retirement corpus
As an investment plan, retirement plans allows you to save a systematic way to build your retirement corpus. To invest a certain amount systematically over the years. This addition systematic and disciplined at an early age reduces the load at a later stage. You can choose the amount you may need in the form of pensions. Premiums are based on the corpus of retirement you want and the duration of premium payments
Built insurance
Until some time ago, the customer had an option to purchase "top" or "discovered" by the plan. Now, any pension plan from an insurance company incorporated insurance. This ensures that if something happens you have to collect the sum insured and generated the corpus. If you die after the accumulation phase is complete, the body given to his office in the annuity option you choose.
Mandatory pension
A typical plan has two phases: the accumulation phase, where you invest to generate the body and the annuity phase, when you buy an annuity. You can choose to purchase or retirement. When you reach the age of vesting, it is compulsory to purchase an annuity as generated corpus. You may deduct up to 1/3rd of the corpus. This ensures that there is some source of income during your retirement.
Elected for a term annuity
You can choose the time you want to receive an annuity. Months rent is calculated by the amount and duration of the pension corpus generated. You can choose a lifetime annuity, fixed annuity or a life annuity certain and their variations.
Immediate Annuity Option
If you have already reached retirement age or already retired, you have the option to purchase an immediate annuity. In this case, you can purchase the capital gains you may have received from other sources. As soon as you receive a pension. In this case, the annuity will depend on the single payment you have made and the duration of the annuity. All options are available annuity.
You can place a pension plan to pay you an income of age. You can use this to remain financially independent for life. First floor and buy wisely. Pension plans are financially secure and happy retirement years.
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