s**y
发帖数: 3070 | 1 突然觉得年级大了，一个人在美国，万一出点啥子事情，国内父母咋个办？
想买点life insurance 留给他们, 童学门有啥子推荐不？多谢了哈 | A****i
发帖数: 5546 | 2 边妹儿我正在研究这个跟养老保险....我们互通消息哈... | s**y
发帖数: 3070 | 3 要的，瑞典妹儿
我在看美国这边metlife的，这个算是大公司了瓦
我还打算在国内的账户，每年存点钱，你看人民币升值好快啊，最近，说是到1：5的时
候很快就要来了
美元不值钱啊，可惜我回国的可能性基本很小了
【在 A****i 的大作中提到】
: 边妹儿我正在研究这个跟养老保险....我们互通消息哈...
| A****i
发帖数: 5546 | 4 边妹儿,美帝的东西我有点搞不清除哈....不好意思...
我准备买额外的养老基金,每个月往里头存钱,如果有天彻底回国脱离这边的福利体系..
.另外人寿保险,主要考虑父母,以及以后的家人,如果我有幸有家的话.
其他的,还没有考虑好.炒股票有点不敢下手.
我准备大起胆子回国看哈,做最坏的打算...
【在 s**y 的大作中提到】
: 要的，瑞典妹儿
: 我在看美国这边metlife的，这个算是大公司了瓦
: 我还打算在国内的账户，每年存点钱，你看人民币升值好快啊，最近，说是到1：5的时
: 候很快就要来了
: 美元不值钱啊，可惜我回国的可能性基本很小了
| s**y
发帖数: 3070 | 5 额外的?
好像美国这边50岁以下的每年最多5000美元啊，最多公司给你match
你们不是瓦
..
【在 A****i 的大作中提到】
: 边妹儿,美帝的东西我有点搞不清除哈....不好意思...
: 我准备买额外的养老基金,每个月往里头存钱,如果有天彻底回国脱离这边的福利体系..
: .另外人寿保险,主要考虑父母,以及以后的家人,如果我有幸有家的话.
: 其他的,还没有考虑好.炒股票有点不敢下手.
: 我准备大起胆子回国看哈,做最坏的打算...
| A****i
发帖数: 5546 | 6 我们这边是不管收入多少,按照法律规定,自己缴纳一部分,公司缴纳另外一部分.比例是
每年执政党反对党干架定的.所以谁也逃不掉,但是要多交,就只有私人的养老基金跟养
老保险了.因为大锅饭人越来越少,就只有自己买额外的补充.
【在 s**y 的大作中提到】
: 额外的?
: 好像美国这边50岁以下的每年最多5000美元啊，最多公司给你match
: 你们不是瓦
:
: ..
| s****r
发帖数: 2386 | 7 I only bought what the company offered, nothing extra. I think you can just
buy some whole life insurance policies if you like, don't buy term
insurance. Once I was working on some project of securitise life insurance
policies, but it did not go anywhere... | A****i
发帖数: 5546 | 8 鼠哥能不能展开说说?
为啥子养老基金不可靠?谢谢
just
insurance
【在 s****r 的大作中提到】
: I only bought what the company offered, nothing extra. I think you can just
: buy some whole life insurance policies if you like, don't buy term
: insurance. Once I was working on some project of securitise life insurance
: policies, but it did not go anywhere...
| s****r
发帖数: 2386 | 9 It has happened that some local goverment entities in US have went bankrupt,
due to spending/bad management, some of the retiree's pension got voided.
Just saying that pension is not as trust worthy as it is, since people
manage the country/pennsion fund might not be as competent as you'd think. | A****i
发帖数: 5546 | 10 就是阿..现在土豆洲就已经是入不敷出了...
但是不能不交.至少比银行里头放着划算,银行那点利息,抵过通货膨胀就不错了.
bankrupt,
【在 s****r 的大作中提到】
: It has happened that some local goverment entities in US have went bankrupt,
: due to spending/bad management, some of the retiree's pension got voided.
: Just saying that pension is not as trust worthy as it is, since people
: manage the country/pennsion fund might not be as competent as you'd think.
| | | s****r
发帖数: 2386 | 11 Big pension fund should be ok, what they do is they try to buy some
inflation product to beat inflation ( I think there's some regulation on
this in UK/Europe, I have heard some ridiculous trade on inflation due to
the regulation change). If you have energy, you could manage this yourself,
buy some commodity fund, things like that. The key thing here is, goverment
aren't trustworthy, people managing the fund might be just some douchebags. | A****i
发帖数: 5546 | | A****i
发帖数: 5546 | 13 谢谢指点....
养老基金好像是把钱投资在不同的领域.但是具体在那些领域,我还没有查到.
至于其他基金,还没有看过...专家有莫的啥子推荐的?
反正我觉得政府,不管天朝还是土豆洲的,都信不过.
,
goverment
【在 s****r 的大作中提到】
: Big pension fund should be ok, what they do is they try to buy some
: inflation product to beat inflation ( I think there's some regulation on
: this in UK/Europe, I have heard some ridiculous trade on inflation due to
: the regulation change). If you have energy, you could manage this yourself,
: buy some commodity fund, things like that. The key thing here is, goverment
: aren't trustworthy, people managing the fund might be just some douchebags.
| s**y
发帖数: 3070 | 14 谢谢妹妹，我回且考古以哈
【在 A****i 的大作中提到】
: http://www.mitbbs.com/bbsdoc3/life.faq/Money/insurance/5
: 边妹儿可以先考古哈投资理财的精华区.里头有些基本介绍哈.
| y**a
发帖数: 2546 | 15 我觉得这个情况就买term
【在 s**y 的大作中提到】
: 突然觉得年级大了，一个人在美国，万一出点啥子事情，国内父母咋个办？
: 想买点life insurance 留给他们, 童学门有啥子推荐不？多谢了哈
| A****i
发帖数: 5546 | 16 发哥搞这个的哇?
能不能简单介绍哈嘛?
【在 y**a 的大作中提到】
: 我觉得这个情况就买term
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