| Summary: | 碩士 === 輔仁大學 === 金融與國際企業學系金融碩士班 === 100 === While the long-held belief that raising children to provide support against the old changes, the tendency of aging population and low birthrate continues. In turn, living expenses after retirement will be a huge cost both to government and enterprises. We cannot meet the need by financial aid only from government, enterprises, or family. If we do not prepare in advance, most young people cannot afford the life in the old.This study aims to highlight the superiority of annuity insurance and saving insurance to other financial products in providing support of life after retirement. The study will draw samples from one domestic life insurance company’s insurance products to interpret the utilities in retirement planning based on customers’ individual age and need. In addition, we look forward to the tax cut in annuity insurance, and thus citizens are more willing to buy it.The study is divided into six chapters: introduction, theory and literature review, need after retirement and planning, financial products: saving insurance and annuity insurance, other insurance products and retirement planning, conclusion and suggestion. The study is subject to the samples selected.The study simulates individual case numbers to indicate the gap of retirement pension and commercial insurance is then used to fill up the gap. The first key point of preparing for retirement is planning in advance. It’s never too late to begin, yet never do it. We will enjoy the happiness and abundance after retirement due to early planning by compound interest effect. Let’s just do it right now.
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