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Comparing Retirement/ Pension Plan with Beeinsured
Retirement or Pension plans are designed to provide financial stability during the retirement phase of life. This type of policy helps you to save and build a corpus to be used as a replacement income during retirement. Choosing the best insurance plan can be difficult sometimes due to the wide range of products available.
At Beeinsured, we strive to simply the cognitive process of buying insurance and help you to select the policy that best suits your needs.
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What is a Retirement/ Pension Plan?
Retirement/ Pension plans are a systematic way to invest and organize your finances and prepare yourself for retirement. Retirement plans creates a source of income which helps you remain independent during the golden period of your life. Considering the high rate of inflation, it is important to accumulate wealth at an early stage of life. However, Depending only on your savings through banks or other sources may not suffice your needs at the time of your retirement. It is vital to choose other financial mediums like investing in insurance to receive better returns. The right way to decide the required corpus depends on your estimates and projections along with your retirement age. The early you start saving, the better and bulkier will be the returns.
Smart Buying Tips for Retirement/ Pension Plan
Build your corpus as per your risk appetite.
Increase investments as you income grows.
Don't dip into corpus before you retire.
Create a Portfolio & manage it cheaply.
What are the different types of Pension Plan?
Accumulate wealth by paying a regular or a single premium and get a fixed amount every month after the maturity.
Your annuity or pension commences within the first year of having paid the premium.
Insurance Company shall pay a fixed sum of money to the Insured for a certain number of years.
Under this plan, an annuity is given to the Life Assured for a certain period whether or not he survives that duration.
Pension amount will be paid to the annuitant until death. If spouse is part of the plan, after the death of the annuitant, the spouse will receive the pension.
Key Factors to consider before buying a Retirement/ Pension Plan
Draw a Roadmap
Take a risk of your savings. What Assets (House, Savings, Investments) you have and how much they are worth. Keep a check every couple of years to check the progress is on track.
It is advisable to start at an early stage. However, the capacity to increase the premium and accumulate higher corpus may rise over the year as income increases. Choose plans that offer Top-ups which provides flexibility of increasing the corpus.
One of the most important factors for retirement planning is to make sure the investment you have made will beat the inflation at the right time. Inflation rates must be considered and reviewed on a timely basis to built a better corpus for the future.
How much Retirement/ Pension Plan a person should buy depends on?
Current & Retirement Age
Current & Future Lifestyle
Present Monthly Expenses
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