Is the old-age insurance on Alipay reliable? Let's talk about the people who bought it first.

Yes, the essence of this product is an endowment insurance.

When buying endowment insurance, we often fall into a cognitive trap:

1. I think my investment ability and current interest rate level will never change in the long run. From the experience of other countries in the world, political stability, economic development and encouragement of innovation and entrepreneurship, then a country's interest rate tends to zero interest rate or negative interest rate for a long time.

If a country is politically and economically unstable, there is a war or an economic crisis, and interest rates will go up indefinitely. Therefore, if you expect China to have lasting stability and sustained economic development, don't expect Yu 'ebao to be 4% for life.

2, overestimate your control, iPhone, apple watch, BMW, house.

The original intention of Yu 'ebao is to make it more convenient for everyone to buy in Taobao and Tmall, and it is more convenient for users to buy in buy buy with a little interest on funds. As a long-term financial management tool, Yu 'ebao must have strong self-control at least when going to Taobao and Alipay.

In 2065438+2004, the number of Alipay mobile payment transactions reached 65438+97 million. Alipay's steady style, advanced technology, keen market insight and high sense of social responsibility have won wide recognition from banks and other partners. At present, Alipay has established deep strategic cooperative relations with more than 80 banks at home and abroad and international organizations such as VISA and MasterCard, and has become the most trusted partner of financial institutions in the field of electronic payment.

201710/8. Xi Jinping pointed out in the report of the 19th National Congress that the social security system should be strengthened. A multi-level social security system covering the whole people, coordinating urban and rural areas, with clear rights and responsibilities, moderate protection and sustainability will be built in an all-round way. Full implementation of the national insurance plan. Improve the basic old-age insurance system for urban workers and urban and rural residents, and realize the national overall planning of old-age insurance as soon as possible.

Improve the unified basic medical insurance system and serious illness insurance system for urban and rural residents. Improve the unemployment and industrial injury insurance system. Establish a national unified social insurance service platform.