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老年人在完善保障缺口后,还要对现有资产进行合理配置,实现保值增值。无风险的产品应作为养老金的最基本保障,其中银行储蓄又应作为首选。明天如何养老?截至2011年,中国60岁及以上人口占比达13.26%,已成为全球人口老龄化程度最高的国家。老年人更容易面临各种意外风险、医药费用开支等,因此保险专家建议中老年人应尽早为自己购买养老、医疗、意外等方面的保障。在拥有社保或农村合作医疗等最基本保障基础上,还应选择商业保险加以补充,可利用20%-30%的资金
The elderly in improving the protection of the gap, but also the rational allocation of existing assets, to achieve the preservation and appreciation. Risk-free products should be the most basic guarantee for pensions, of which bank savings should be the first choice. How to Get an End to Tomorrow? As of 2011, China’s population aged 60 and over accounted for 13.26% of the total population. China has become the country with the highest population aging in the world. Elderly people are more likely to face a variety of unexpected risks, medical expenses and other expenses, so insurance experts suggest that the elderly should buy their own pension, medical care, accident and other aspects of the protection as soon as possible. On the basis of having the most basic guarantee such as social security or rural cooperative medical care, commercial insurance should also be supplemented, and 20% -30% of the funds can be used