the baby-boom generation! fuyaseru to anywhere in the guarantee of principal?

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As for the financial products which the retirement generation has utilized

(Inc.) “nodule generation the investigation regarding the retirement age” of macro mil was drawn up on the basis of (515 man office worker government employees of 2007 March 6th – 7 day nodule generation reply).

Restructuring early the rough seas of retirement advice it dived and when the people of the baby boom generation it comes out, being retirement age retirement it received.With saying, the road where also after of 60 years old continues to work it was enforced with the “amendment senior citizen stabilization of employment law” is opened in 2006, really of the employee resigned on reaching retirement age of major enterprise the people of 50% or more continue to work truly with continuation employment.It is thought that with the person who deviates from the pattern of “60 year old = retirement age retirement = complete ritaia” increases with the meaning which is said, after the baby boom generation “if you desire, in 60 years old can retire change”, and occurs even in modus operandi of the retirement lump sum grant.

As for the retirement age retirement lump sum grant (temporarily gold + annuity field value) of the nodule generation, labor administrative laboratory according to “retirement lump sum grant annuity circumstance” 2007 edition (investigation timewise 2006 September 25th – December 8th), as for large graduating from school approximately 20,000, n/a ,000,000 Yen, high school soldier/finishing at approximately 14,000, n/a ,000,000 Yen, has received approximately approximately 20,000,000 Yen.in, people who have already retired, instead they are using or what financial products, what am i doing and thinking you want to use any financial products, such as the congo.

(strain) dentsu made in the internet survey survey on the retirement of the baby boomer generation (2006years12month9day~11day survey: the baby-boom generation55~59men and women aged408name retirement generation60~69men and women aged412name) according to the

(strain) internet survey of dentsu survey on the retirement of the baby boomer generation was created based on.

currently the vast majority operate in a principal guarantee deposits and savings deposits, followed by operation in the fixed-amount postal savings and stock. distributed beautifully and see the future but want to own financial products, deposits and equity is37%before and after top, fixed-amount postal savings, bond, investment trusts25%degree has been antagonized by. operation of the retirement funds, take a risk in the surplus funds to harden the feet of guarantee of principal products, excellent sense of balance that should be apparent.

insurance products on the next page, government bonds, local government bonds>>>>>>

60years of age or older2person households monthly living expenses5.4lack million yen

heisei18years family income and expenditure survey (ministry of internal affairs and communications) according to the, elderly unemployed households (is head of the household60over the age2households of people unemployed) balance of the, real income224,753spending, including tax and social insurance against the yen278,848yen, 54,000is a deficit of ¥. this deficit minute, – would be appropriated from that fund reversal of old age, when choosing financial products to operate as well as investment income facts indicate you must also choose to consider.

ministry of internal affairs and communications family income and expenditure survey heisei18was created based on years.

life assurance funds in the financial products of the principal

following retirement funds3two funds, plan to use funds and life funds (reserve fund) the surplus funds classified as. precious thing is money of funds is no longer life would no longer be living in this. this is suited to operate in the financial products of guarantee of principal is wise. the principal guarantee of financial products,

  • time deposit
  • fixed deposit
  • government bonds for individuals
  • government bonds
  • municipal bonds
  • periodic pension insurance and private pension insurance (determinate)
  • endowment insurance

include.

insurance products attractive thin

endowment is, in the current expected rate of interest is thin still attractive even considering the tax benefits of surface. also, personal pension insurance, as a means to get time to ensure that no shortfall in the cost of living is the perfect product, interest rates will still imaichi. also, there is also the issue during the period that it takes higher pension expenses as well as during the operational period of. checkpoint is more important! it income tax return to declare in is.

income tax and inhabitants tax will also charge up the national health insurance, long-term care insurance as well as income increases. as a result, it is also possible to obtain the real take-home pay of private pension becomes a loss of principal. and look ahead to the aging society with fewer children, increased burden of taxes and social insurance premiums can not be avoided. unexpected kawazan’yo of raccoon dog taken for and is not, asked to estimate the amount of years in the insurance company before they are allowed to join the private pension insurance, to check the relationship between the social insurance premiums, taxes, it is important.


of municipal bonds5year bonds are attractive

municipal bonds issued by local government, municipal bonds nationwide public offering market what type of investor can buy general, participatory municipal bond offering what local residents can buy (municipal bond offering mini) this is called. face value1million yen, fixed interest rate, interest will be paid every six months. 10is the mainstream-year bonds5year bonds, 3there is also a-year government bonds, etc.. there is no need to increase the principal. you want to use the interest allowance this item is set to retire and think of much use in the same way as government bonds.

type of municipal bond market public offering of current national10year bonds, is a situation that pales than the bank’s structured deposits. for example, kanagawa prefecture2007years12month27issued on10surface-year bonds is the interest rate1.67% (applicants yield1.674%) , on the other hand structured deposits of shinsei bank (10years) the annual average1.86%, aozora bank1.76%will be

on the other hand, 3year bonds and5there are many on-year bonds an attractive interest rate that will be presented. for example, 2007years12month25nagano prefecture issued on5year bonds, coupon1.23%applicants yield de-1.232%is. it is this interest rate exceeds the, of orix trust and bankingedirect deposit only, it also300if you have deposited is more than ten thousand yen. face value1this yield is a surprise in the ten thousand yen.

conditions for the issuance of local bonds here

government bonds for individuals10years (variable interest rate) is popular

government bonds are bonds issued by countries, government bonds for individuals (5-years10years) interest-bearing medium-term government bond and (2-years5years) , long-term interest-bearing government bonds (10years) include.

in financial products of guarantee of principal the operational period10i can i use financial products of the year…… products and is seem, government bonds for individuals10years (variable interest rate) it is said that. the reason for attention, because the interest rate financial products it up depending on future interest rate rises and interest rates are reviewed every six months so! other government bonds, a yield of about the same or slightly lower net bank deposits and.

  • 2government bonds with annual interest (of263time) yield0.7%
  • 5government bonds with annual interest (of68time) yield0.95%

the way, sony bank2year time deposit interest rates (10more than ten thousand yen100less than ten thousand yen) is0.841%, 5year0.971%is.

government bonds for individuals, financial institutions have engaged in a fierce sales competition. if they are the same even if the where to buy, has been decided to better many bonus. when you purchase gift gift certificate it is recommended to compare the campaigns such as.

existing bonds are interesting

interest-bearing securities such as government bonds and municipal bonds are traded in the market. it is referred to as existing bonds, there are things that the duration of high-yield to maturity is short, hit. for example, existing bonds in nikko cordial securities inc. has been handled is

  • the first kyoto4kyoto future debt (2011years8month4sun redemption) the face value10million yen, residual3.6yield to subscribers in the year0.94%
  • of68time5government bonds with annual interest (2012years12month20sun redemption) the face value5million yen, residual4.98yield to subscribers in the year0.97%

existing bonds are securities that the conditions vary from company to company handled, a good bond condition would also sold directly. check back often the information, you must be ready to act immediately.

nikko cordial securities inc. for already-issued municipal bonds is here
for interest-bearing government bonds are already-issued here

will combine the net bank deposits

elderly unemployed households (is head of the household60over the age2households of people unemployed) in approximately monthly5.4million yen (year about65million yen) there is the context in which the reversal of financial assets is insufficient. life of retirement funds, will be required to select the financial products to use to cash in on the assumption that the amount needed each year while the long-term investment.

era, such as ultra-low interest rates currently avoid long-term fixed-rate financial products , also time deposit early withdrawal does not according to the principle of, that will be best suited to operate mainly in bank deposits of net. 2007years12in the campaign of the month bonus1there were many banks that have set higher interest rates on time deposits years. for example, stbSBInet bank1.2%is.

net bank interest rates of time deposits, 2year time deposit0.841%~0.95%, 3year time deposit0.939%~1.1%, 5deposits in the year0.971%~1.1%is. of municipal bonds in this3year bonds and5year bonds, the combination of existing bonds or bond1%you will be able to secure the interest rate of about. minutes until the last minute to cash shortage appropriation monthly living expenses1months-3months-6deposits using a combination of months, let her have the money to work without waste until the end of the last.

the wake of high oil prices2008year rise in prices seems inevitable. looking at the past, when inflation was rising interest rates and savings accordingly inch. also, it is also possible the development of new financial products for the elderly overwhelmingly a lot of financial assets. if, while the future operate in a short operational period of financial products maybe a big favorite is.