Preparation of defined benefit retirement funds? a defined contribution?

How it does? Preparation of reserve for old age

If reserve for old age should have been prepared “with some method?”With this sight, the method of preparing, from various angles such as preparation method classified by age and the preparation method of thinking with the married couple was guided so far.This time, burden (premium) with presentation (receipt of annuity) from angle annuity

• The decision presentation type where presentation amount has been decided
• The decision contribution type where the latch has been decided

Dividing, it will keep seeing the preparation method of reserve for old age.Furthermore, it guides also the point which would like to know to each classification receipt of annuity and the case of preparation.

• As for method of receiving the annuity?
• As for preparation of the reserve for old age which are by your?

Preparation methodological of reserve for old age – decision presentation type

“Annuity of decision presentation type” presentation amount (future annuity amount) is annuity of the type which has been decided.The latch which the member bears it is used as the revenue source of annuity.

Because as for annuity of decision presentation type future receipt amount beforehand has been decided, the case where of preparation of reserve for old age is thought it can think of the amount which is prepared for the shortage of public pension plan target amount.company employee pension funds and pension funds, public welfare can be self-employed or freelance to join in any enterprise to join in units, such as defined-benefit corporate pension plans are defined-benefit pension.

if the national pension fund, future benefit payments can be determined by choosing the number of units, unless you change the amount of pension premiums receive age-appropriate at the time of subscription, principle from the subscriber when60will continue to pay up to the age of (more years to increase the amount of your own! national pension fund reference) .

defined-benefit corporate pension plans and employee pension fund is a corporate pension, the company and its employees will bear the insurance premium each (the presence or absence of the burden of employee defined-benefit corporate pension plans will vary by company) , will be operational in order to ensure a predetermined benefit amount. but, underfunded when the operation does not go according to plan is meant to be borne by company.

also, there are also a variety of items defined-benefit pension insurance to private individuals can join anyone. defined-benefit private pension insurance are various types of fixed private pension this product is sold as a. as the main advantages and disadvantages of fixed private pension, such points are likely to be:.

defined-benefit pension is, because a fixed amount for future years, pension product selection is tailored to the amount of goals and objectives that can be.

a defined contribution is on the next page

how to prepare for retirement funds~a defined contribution

type of defined contribution pension and is, burden as well as the type and amount of the defined benefit (insurance premiums and premium) yet been determined, but, point is the pension amount will differ depending on future years receive different operational. the financial resources to pay a flat rate pension, operate in a variety of financial products, amount of future years will have changed depending on the operational performance of. because a certain amount of burden, you can decide a reasonable amount from the cash flow burden of household.

as a defined contribution pension, japan version401k there is a defined contribution pension plans sometimes called. defined contribution pension plan is a pension and public pension uwanose, is implemented as a corporate pension enterprise-type defined contribution pension plan of the national pension is a self-employed or freelance and1of working in companies without pension plans insured person or company2insured person can join at any type individual defined contribution pension plan of2there are two (more company pension plans are doing, 401kwhat is? see) .

enterprise-type defined contribution pension plan
enterprise-type defined contribution pension plan is to pay the full amount of the premium the company, allocation of premium products and to operate is selected by the employee who is a subscriber.
type individual defined contribution pension plan
individual type defined contribution pension plan subscribers will pay the full amount of the premium, determined by the distribution of their premium products and to operate.

defined contribution pension plan is, receive pensions in the future investment performance that also determines the type type companies and individuals. defined contribution pension plan is2001years10is the new pension system started in may, the subscriber has increased every year2007years8at the end of, subscribers about the type of company249everybody, about the type of individual subscribers8ten thousand6you climb a thousand.

also, as a defined contribution pension is open to everyone, there is a strange amount of private pension insurance. variable annuity amount, to invest in stocks and bonds of domestic and international contributions, amount of products a year with the results of operations fluctuate, of private pension fund management and2type of pension investment is one with the nature of the.

1in one product, more than one investment (such as stocks and bonds at home and abroad) set the, for each investment special account the provided. in the special account for each investment, premium will be operational, amount will vary depending on years of contributions to investment performance as shown in the figure below. burden of premiums is how to type and reserve type of collective pay in full upon subscription2there are.

as the main advantages and disadvantages of private pension amount changes, such points are likely to be:.

variable annuity in the amount, because some of the minimum guaranteed pension amount is attached, let’s check at the time of joining firm.

how to receive pension? (next page)

how to receive pension?

personal pension insurance, can be distinguished as follows receipt of a pension from more.

• fixed-term pension, fixed pension
  type of pension will be paid only if the insured is alive to receive the pension during the period (fixed-term pension) the duration of pension receipt and, type of pension will be paid regardless of the life and death of the insured (fixed pension) have. also, certain period of time even in the fixed-term annuity, some type of warranty period are provided
• life annuity
  type of pension will be paid as long as the insured is alive. but, some type of warranty is provided over a period of time
• husband and wife pension
  insured as a couple, type of pension will be paid as long as either is alive

personal pension insurance, can be freely selected start and age of receipt, 65people age pension is not paid until the age of (showa men36years4month2after the date of birth, showa women41years4month2after the date of birth) the only basic pension for the elderly and people will be provided is, 65you can also fill in the blanks of public pension funds up to the age of retirement.

preparing for retirement funds were in his?

for pension become uwanose of public pension, some subscribers have pre-determined conditions.

for example, if a company employee, place of employment by the company pension scheme has been introduced, defined-benefit system is to join (defined-benefit corporate pension plans, pension funds, etc.) why a defined contribution (enterprise-type defined contribution pension plan) why is determined.

also, of1self-employed or freelance, who is insured is, and national pension fund is a defined benefit type at any, you can subscribe to individual defined contribution pension plan is a defined contribution type. but, if you want to join the system of both, 1upper limit of the contributions of months in the sum of the two systems68,000the yen has been decided until.

conditions, such as corporate pension and national pension fund, such as subscription is more than has already been decided, close to public pension benefits (such as preferential tax treatment of pension insurance premiums and) so many, their system is available, you may want to utilize the first priority in preparation for retirement funds.

risk tolerance given the
if you want to join the defined contribution pension plans are, regardless of company type and individual type, you will choose your own investment products, in the investment products are also included for various risk products. low-risk type of principal protection products (and time depositsGICsuch as) if you have a choice as a choice of investment products also, the case also considered low-risk products would not reach the target amount.

there, i want to know is if you want to select the product by yourself, own risk tolerance is. and risk tolerance, what is a standard that can own up to how much risk to take.

risk tolerance is your age and family structure, asset situation, investment experience, we will examine policy from operational (more 40preparation of generation retirement funds~point of selection of investment products reference) .

typically, it has been said, and lower risk tolerance with age. this is, are young, even if the operation is unsuccessful the event, although you can cover the loss over time, this is because with age can cover a shorter period. that is, when we consider asset retirement preparation, if young people, because plenty of time for up to old age, in general, can be actively managed to take a risk to some extent. but, since risk tolerance will also depend on other factors, such as the state of the assets, if you think your risk tolerance, you should be able to select products without unreasonable.

also, if you want to use private individual annuity insurance products to choose freely, select a product rather than just the amount of future goals, you will need to select the product in consideration of the investment risk and often the burden of insurance premiums. for example, i put pressure on the household or the burden of expensive insurance premium to receive the amount of private pension insurance year and the target amount of future, in some cases, retirement funds can not be prepared depending on the results of operations then get ready for the old age with only high-risk products aimed at high returns.

diversified investment is a well-balanced
there, point where you want to try to balance the burden and risk is not unreasonable, combine different types of products diversified investment is the concept of.
for example, will also adopt such a distributed way of actively managed products in the defined contribution type of principal protection product in the defined benefit type. proportion and combinations thereof, in consideration of the risk tolerance of their own, you must decide for yourself.

retirement funds is needed funds will come someday when anyone. let’s prepared in a manner appropriate to their own firm.

related links
arekore personal pension. to what type?
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shortfall to do? consider the personal pension!