| dc.description.abstract | In recent years, the issue of retirement has been attracting more and more attention. In the domestic pension system, civil servants have the best benefits and less stress preparing for retirement. However, the largest number of the labor class is generally facing the problems of inadequate retirement preparation. The main purpose of this study is to go through the investment-oriented insurance, which is at present the most popular type, and use the actual sales of the two variable universal investment-oriented insurance of an insurance company and the demand analysis method to explore whether the investment-oriented policy can be used as a retirement financial planning tool.
This paper will first describe the definition, current status, characteristics, type, investment link target and risk of Investment-Oriented Insurance; and then further explore the aging and birth rate declination society structure, income replacement rate, pension, pension system of civil servants and laborers, and the future retirement variables and challenges. In addition, this paper also uses two labor cases to show that the investment-oriented policy really can resolve the problem of insufficient labor pension, and provides situational analysis.
Investment-Oriented Insurance has insurance and investment finance functions, the policy holders can decide their own investment target and proportion. The study result found that an investment-oriented policy that uses the systematic investment plan with the accumulated long-term assets will be able to meet the different stages of life demands, such as: children’s education, insurance, and retirement pension. Making financial plans with Investment-Oriented Insurance must grasp the principle of early investment and perseverance systematic investment plan; the earlier the plan is made, the earlier the financial goals can be achieved through accumulated time and compound interest. | en_US |