pensionfund养老金介绍

养老金中文介绍

养老金中文介绍

Introduction of The Pension FundMost of the pension funds are a compulsory saving behavior, from which you can’t withdraw your money back as the due time doesn’t arrive. Moreover, your compensation can’t be obtained immediately according to the efficiency of the insurance company and their policies.

养老金中文介绍

Introduction of Bank Deposit It is more convenient and flexible for the customers to choose the way of deposit. Advantage:you can get your money back any time you want if you choose current account/ checking account( 活期存款账户) Disadvantage: the interests may loose when you withdraw your money back if you choose fixed saving account.

养老金中文介绍

Question: which is better?

养老金中文介绍

Compare The Differences

养老金中文介绍

1.The functions are Different:Pension fund places more emphasis on the guarantee. Bank deposit focus more on the persity of the investment when you choose different currencies.Euro Franc Mark Pound Ruble Dollars Yen RMB

养老金中文介绍

2.The befenits you get are different: Pension fund=the money you devote for yourself +the money others pay the insurance for you Bank deposit=capital+interest

养老金中文介绍

The behavior is differeent is different1.Bank deposit is the personal behavior,what we could depend on is only ourselves if there was any risk. 2.Pension fund deposit includeetwo kinds.

养老金中文介绍

. Pension fund deposit includeetwo kinds. The first kind is defined-contributiion (确定的缴纳方 案) which is combined of employer's and employee's regular contributions.

养老金中文介绍

And the second kind is defined-benefit(明确收 益) pension.The employee's pension benefit is determined by a formula that takes into account years of service to the employer and, in most cases,wages and salary.A typical formula would be 1% of average retirement salary for each year of service

养老金中文介绍

The right is differentBank deposit is more convenient compared with pension fund deposit in the right to dispose the funds.We can draw money in every country where there is a bank.However,we can't get our money unless we have made contributions to our pension fund for a certain years.

养老金中文介绍

Difference between their risksThe risk of bank deposit: In the case of inflation, the price level is sohigh that reduces the purchasing power of money. So the income of the bank savings interest is few.

The risk of pension fund deposit:The risk is very low because it israised and managed by the country ,and it is an essential part of our social security system. However, if you are unlucky to live a long life, the money paid will not be handed back.

养老金中文介绍

Differences between their policies The policy of bank:It may go bankrupt and once it happens, you will lose all your money. The policy of pension fund: according to the Insurance Law of People‘s Republic of China(中华人 民共和国保险法),the insurance company operating the life business should be dissolved and the premiums need to be paid at the predetermined time.

养老金中文介绍

The difference between their Stabilities

The i

nterest of bank deposit is variable and not high. The guarantee of pension fund will not be changed by external factors. And the interest of it is higher than that of bank.

养老金中文介绍

The services are different.Banks set service points to provide serve to the public, the public need to go to the banks personally to deposit or withdraw deposit. Instead, the insurance companies have lots of professional teams to provide door-to-door services most of the time. And they pay regular returns and warm services to customers.

养老金中文介绍

The tax is differentCompared to insurance, banks levy a tax on the public in many ways, for example, interest tax ,gift tax, inheritance tax. And the tax is relatively high, which may up to fifty-five per cent. In contrast, insurance is free of tax.