收益率最高超4%,专属商业养老保险值得入手吗?

21世纪经济报道
Feb 05

最近结算利率最高超过4%的专属商业养老保险吸引了不少投资者关注,在利率下行的当下,收益率超3%的产品难寻,超4%的稳健型产品更是凤毛麟角。   那么结算利率超4%的专属商业养老保险值得入手吗?   4%的结算利率不等于到手收益率   专属商业养老保险不是单纯的投资品种,属于养老年金保险产品,采取账户式管理模式,在你开始交保费后,保费就会进入账户进行累计增值,只要没到领取日,账户就可以一直积累收益...

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