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[退休係咪一定要買年金?!]政府呢兩年成日推公共年金，但公共年金係咪真係咁著數？其實年金係一個一直燒緊你本金的產品，首先你要將你一生人辛辛苦苦儲的錢交俾年金公司，然後就好好聽咁每個月俾返幾千蚊，但實質上係政府怕你大洗，洗曬D錢。咁成個過程你...
14/05/2019

[退休係咪一定要買年金?!]

政府呢兩年成日推公共年金，但公共年金係咪真係咁著數？其實年金係一個一直燒緊你本金的產品，首先你要將你一生人辛辛苦苦儲的錢交俾年金公司，然後就好好聽咁每個月俾返幾千蚊，但實質上係政府怕你大洗，洗曬D錢。咁成個過程你有咩得益？有的，就係佢會俾返幾個百份點的回報你當Bonus，同埋15年後繼續俾幾千蚊你。我自問我未必有咁長命，所以對我唔會有太大的得益。

好多朋友問我，咁唔買年金可以點？買股票又驚風險高，買香港樓收租又唔夠錢，咁係咪即係冇計？

緊係唔係啦！如果我話俾你知有一個方法係年年派錢俾你，仲要派得俾年金多，到期的時候仲會俾返個本金你。你覺得有冇得諗？

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14/05/2019

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