Retirement Investment Plan Options
The traditional concept of raising children in the past has gradually out dated. The parents and elders of the family, including the younger generation, expecting that early retirement planning is the best way to benefit to their future.
In the United States, the two most important parts of old age, one is medical care, and the other is post-retirement income. In addition to working in the youth while saving, choose their own investment and financial plan can achieve more with less effect, some schemes even combined long-term insurance, life insurance and investment and other multi-integration utility, so that the funds invested can return the highest comprehensive results.
Common retirement investment options
- Long-term critical care: Based on long-term care insurance, this type of retirement investment plan can pay for a lump sum of medical care for terminal illnesses, chronic diseases (inability to bathe, dress, eat, go to the toilet or move on their own), major illnesses (heart disease, stroke, cancer, kidney failure, paralysis, etc.) and critical injuries (coma, paralysis, traumatic brain injury, etc.), and can be paid in one lump sum when diagnosed with a terminal illness or a terminal health condition. Example: Mr. Mayer, 38, has a known physical condition, has a single daughter, understands that the cost of elderly care in the United States costs nearly $6,000 to $10,000 per month, and that Medicare only provides three months of chronic illness claims, does not want to burden his daughter in the future, so buy such long-term care insurance, both investment functions, and is tax-exempt.
- Fixed Lifetime Income If you worry that government retirement benefits alone will not be enough to support living expenses, this scheme has a substantial fixed income after retirement, because with its investment function, the average return is conservatively estimated at at least 5% to 6% to live to old age. For example: 45-year-old Mrs. Lee chose this "fixed lifetime income" type of investment program, investment of 200,000 per year, a total investment of 5 years, from the beginning of the 6th year can receive 65,000 tax-free income per year, a lifetime, capital gains of 2 million, far higher than the real estate investment income. Assuming Mrs. Lee lived to the age of 80, she would have invested 1 million (200,000 x 5 years) and would have been 80 years old from the age of 46, bringing back a total of 2.275 million and completely tax-free.
- Combined with the above two types of fixed lifetime income and long-term care and death benefits, this type of index annuity in addition to providing the principal of the account dividend, there are 3%-10% fixed lifetime income terms, the income can be taken away once, but also slowly back, look at the investor's plan.
This type of investment scheme features:
The use of funds is not limited, unlike the head of a medical user who can only be used for medical purposes
Consider a variety of health conditions at once, without having to buy investment targets separately. In most cases, the amount received is not subject to tax The earlier you invest, the more cost-effective it is, related to the age at which you start your investment.
Guaranteed life-long
All can break even, even in the most extreme situation of investment zero-reward income, investors will not lose
