| dc.description.abstract | According to the National Development Council (NDC), Taiwan is expected to enter a super-aged society by 2025. In recent years, banks are committed to developing wealth management, and financial planners are gradually transforming to meet customers′ needs and enhance their satisfaction with total asset planning, so that customers and banks can improve their assets in the future.
This study uses literature research and case studies to find specific cases for detailed and comprehensive research. From the many cases encountered in practice, three types of groups are identified for case studies based on the amount of funds available for retirement and whether or not the available retirement funds will continue to increase. The study found that even if the same insurance products are used for retirement planning, different effects are created depending on the age, family background, asset size, and current goals of the case.
From the above case study analysis, for high asset and fast increasing asset customers, the priority of retirement insurance planning is to reserve tax sources; for middle and high asset groups, besides considering their own retirement planning, they also need to consider the issue of inheritance due to the profit of revenue and increase in assets; for general mortgage holders and those who only have a pension to use, they should first consider the cost of retirement to calculate whether their pension is sufficient and plan early to avoid The longevity crisis and the risk of inflation. The earlier you start accumulating your pension, the better. Whether it is for inheritance, tax reserves, gifts or annuity accumulation, you can get better results by lengthening the period. Only with differentiated services can we stand out in the market competition. | en_US |