Retirement Plan

什么是退休计划?

Retirement planning是设定退休收入目标的过程,以及实现这些目标所需的行动和决定。退休计划包括确定收入来源、调整支出、实施储蓄计划以及管理资产和风险。

退休计划的类型

Employment based Retirement Plans

When you're in employment, some part of your salary is deducted and deposited every month in a government scheme called EPS (Employees Pension Scheme). The employer also contributes to the employee's EPS account.

政府退休计划

The central government has created a dedicated body called PFRDA(Pension Fund Regulatory and Development Authority) to administer a country-wide pension scheme, called NPS(National Pension Scheme). It gives you a higher real rate of return indirectly.

Insurance based Retirement Plans

基于保险的退休计划是养老金收入和死亡抚恤金的结合。这些计划由多家保险公司提供,个人可以直接使用。因此,他们也被称为个人养老金计划。

退休计划的福利:

However, this planning involves a lot of calculations. Listed here are some benefits of retirement planning to help you make the right investment choices:

为意外开支做准备
复利的力量
Peace of mind
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          为退休存钱与“活在当下”竞争。起初,它可能意味着消费品和繁忙的社会生活。一段时间后,它可能是一个新家或孩子。作为退休计划顾问,我们的工作是帮助您在退休储蓄和其他收入竞争需求之间取得平衡。
          我们的退休计划收入预测工具将帮助你衡量你的支出,以确保你不会在死前花光钱。
          年金是一种为你的收入提供终身保险的保险产品。如果你有其他有保障的收入来源,比如社会保障和养老金,而这些来源涵盖了你退休时的大部分生活费用,那么你可能不需要为额外收入投保。
          Retirement income planning should be done while you are still working and still able to influence your future financial situation. Our Retirement Planning are useful in determining when you can plan to retire. We assist with lump-sum distributions and retirement plan rollovers when you actually reach your retirement date.

          退休收入预测工具也有助于证明一个人是否有足够的现有资产来确保安全的退休,以及是否应该实施遗产减少措施,以最大限度地向下一代转移财富。

          Some people spend more once retired. They travel or engage more in hobbies such as golf, skiing, or boating. To determine how much you might spend in retirement, sit down and examine your current spending. Then, estimate which items may increase or decrease, to come up with a retirement budget.

          你还有什么问题需要解决吗?

          For any inquiries feel free to speak to me personally by call us during business hours.

          Head office address:

          70 Deta Park Blvd Unit # 11, Brampton, ON L6T5E7

          呼救:

          +1-647-527-5109
          +1-416-846-5109

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