Choose "pension trust" to live a relaxed retirement life

        The Ministry of the interior announced that the average life expectancy of Chinese people was 81.3 years, including 78.1 years for men and 84.7 years for women, all of which reached a new high over the years. In the face of the increasing average remaining life year by year, how to make good use of trust tools and enjoy a comfortable retirement life is an important topic for the "orange generation".

        Mr. Lin, 55, is a small supervisor in a securities company. His family has a 78 year old mother. Mrs. Lin works in a bank. Another son and daughter are studying in college. On weekdays, Mr. Lin worked hard and hoped to make his family happy. One day, he suddenly fainted in the office. Although there was no serious problem after the examination, his wife was worried about sleeping and eating. She asked Mr. Lin, "have you ever thought about when to retire and how to maintain the current quality of life?" Mr. Lin said he had never thought about this problem. Mrs. Lin said, "I often think about this problem after you fainted."

        After understanding his wife's uneasiness, Mr. Lin began to look for financial products that could help him plan his financial management after retirement. After some research, he chose to plan the "maintenance trust" for himself and his 78 year old mother for 25 and 20 years respectively.

                The last puzzle of wealth management - "maintenance trust"

        The maintenance trust is voluntary and planned personal savings and asset preservation. It has the functions of legal protection, asset protection, property and risk management. By signing a trust contract with the bank, the trustor transfers the property (including money, real estate, securities, insurance funds, etc.) to the trustee bank; The trustee bank manages and uses the entrusted property according to the will of the trustee, and pays the living and care expenses of the beneficiary with the planning of asset segmentation and special use of funds. The beneficiary can be himself, his parents, children, or a third person who wants to take care of.

        You may have been exposed to numerous financial services, including deposit, loan, investment and financial management, insurance, card payment and consumption, but as chairman Huang Tianmu of the financial supervision commission said, "trust is the most warm financial instrument". With the arrival of the elderly society, "retirement and care trust" has become the most important protective net for building social security, It is also the key to a happy future. Through the trust mechanism, customers will deliver their accumulated or existing pension to the bank, so that the pension can be used for a specific purpose, so as to avoid their troubles and concerns in managing the property. In addition, a "trust supervisor" (such as trusted relatives and friends, social welfare organizations, lawyers, accountants and other professionals) can be established in the trust contract to assist in instructing the management and application of the trust property in case of unfortunate failure It can also ensure that the pension is used for itself, which can not only avoid being cheated, but also protect the property rights, survival rights and living rights after retirement.