[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025060617375373487":3,"related-JP2025060617375373487":29},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"articleTitle":11,"coverImage":12,"listImage":13,"introduction":14,"description":15,"nonVipDescription":16,"postTime":17,"viewTime":17,"sortNumber":18,"isFree":19,"isShowList":7,"isRecommend":19,"linkType":7,"isOriginal":6,"hasMiniUrl":19,"hasAdvertising":19,"createBy":20,"updateBy":20,"createTime":21,"visitCount":19,"isLiked":19,"realSearch":22,"isRead":19,"productId":23,"isCollected":19,"collectCount":19,"vipExclusive":19,"allowComment":7,"style":24,"likeCount":19,"seoKeywords":16,"articleModuleVoList":25,"extendContentList":26,"noteCount":19,"categoryList":27,"dailyKeywordList":28},10,7221,"1",1,"JP2025060617375373487","1041018",3,"用1笔「稳定现金流」，轻松度过30年","https:\u002F\u002Fimage.jane7.com\u002F3375725c-d389-414b-8026-187a459f2892.png","https:\u002F\u002Fjane7-prod.oss-cn-hangzhou.aliyuncs.com\u002Fmanager\u002Farticle_default_img.png","如何解决「养老问题」","\u003Cdiv>\n \u003Csection style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">大家好，我是简保君。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">前段时间看到一个新闻，说一位老人手上有700万元，却还是面临无人养老的窘境。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F55c324b2-570f-41d3-a3cd-164f12955cd8.jpg\">\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;text-align: center;\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;\">图源：上海静安法院\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">事情是这样的——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">2021年，82岁的程阿婆得到一份房屋的征收赔偿款，总计超过700万元。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">她最终做出了决定：\u003Cstrong>小儿子400万、大儿子200万、两个女儿50多万元。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">这个差异极大的分配方案，其实已经埋下了隐患。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cstrong style=\"font-size: var(--articleFontsize);text-indent: 0em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;text-align: center;letter-spacing: 2px;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F6cd3acaf-6905-457d-b2b3-4e7bb03b9780.jpg\">\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 17px;\">\u003Cstrong>\u003Cspan style=\"font-size: 17px;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);\">01\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">程阿婆的初衷是希望孩子们各自能够过上幸福的生活，并且轮流在子女家中居住以养老。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">然而，这看似慷慨的分钱行为，却引发了家庭纷争。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">分配的不均引发了家庭矛盾，大儿子和两个女儿都不愿意赡养老人，轮流养老的计划泡汤，最终阿婆只能和小儿子一起居住。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">没想到由于经济纠纷，小儿子的房产被拍卖，而他背负了沉重的债务。程阿婆和小儿子一起租房居住，却难以负担租金、日常开支和医疗费用，最终落得一个与子女对簿公堂的结局，不禁令人唏嘘。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">最终法院判决，四位子女每人每月支付800元，为母亲养老。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">不谈案件本身的是非对错，这是我第一次意识到：\u003Cstrong>与其手里有一大笔钱，不如有稳定的现金流。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cstrong style=\"text-indent: 0em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: var(--articleFontsize);text-align: center;color: rgb(214, 168, 65);letter-spacing: 2px;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fbdd6f5c0-c6ff-4d35-8d33-1fb7a5a13b37.jpg\">\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 17px;\">\u003Cstrong>\u003Cspan style=\"font-size: 17px;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);\">02\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cstrong>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-indent: 0em;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);\">如果，阿婆的这700万，换成一笔现金流，会怎么样？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);text-indent: 0em;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);text-indent: 0em;\">在700万元没有任何投资收益的情况下，\u003Cstrong>每个月2万元，阿婆可以用29年\u003C\u002Fstrong>；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);text-indent: 0em;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);text-indent: 0em;\">按照法院的判决，\u003Cstrong>阿婆每月生活费在3000元左右，那么阿婆可以每个月拿出5000块给自己用，剩下的1.5万元，住在哪个子女家，就给哪个子女\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);text-indent: 0em;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);text-indent: 0em;\">每月1.5万元的生活费，到月就领，会大大促进子女的养老动力。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);text-indent: 0em;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);text-indent: 0em;\">钱还是那些钱，区别在于：一大笔固定的钱和稳定的现金流，带给人们心理冲击不同。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);text-indent: 0em;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);text-indent: 0em;\">直白一点说，很多老年人被视作家庭资源的消耗者。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);text-indent: 0em;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);text-indent: 0em;\">而如果这个老人有按月就领的养老金，不仅能顾好自己，甚至能富余一点给孙辈交个学费、包个压岁钱；那么这位老人，则是家庭资源的创造者。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cstrong style=\"text-indent: 0em;font-size: var(--articleFontsize);text-align: center;letter-spacing: 2px;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F11e411e0-02a0-4947-9e42-9066755bc720.jpg\">\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 17px;\">\u003Cstrong>\u003Cspan style=\"font-size: 17px;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);\">03\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);text-indent: 0em;\">相信大家都听过一句话「久病床前无孝子」。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);text-indent: 0em;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">尤其是一些失能瘫痪的情况下，长期的照护，的确会很累，家庭矛盾会更容易出现。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">我外公是在退休不久后，确诊了老年痴呆症。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">一开始是走失，后来逐渐失去了语言能力，表达能力，自理能力。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">从第四年开始，外公长期躺在床上，按摩、擦洗、吃喝拉撒全靠人照顾；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">可能一天要洗三次床单，喂一顿饭要一个小时，每年还要有两个月住院。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">这样的生活大概持续了13年。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">直到最后，医生也不断劝慰家人说「你们已经尽力了」。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">外公从确诊到去世，大概花费了80万元；由于外公退休前是中学教师，每个月有7000多元的退休金。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">正是有了这笔稳定现金流，子女只需要承担时间、体力上的消耗，不需要考虑医疗费用；即便如此，长期照顾失能老人依然是非常辛苦的事情。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cstrong style=\"font-size: var(--articleFontsize);text-indent: 0em;text-wrap: wrap;text-align: center;letter-spacing: 2px;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F6d68520e-e8a1-4993-89fe-0aa15d7526d3.jpg\">\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 17px;\">\u003Cstrong>\u003Cspan style=\"font-size: 17px;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);\">04\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">我之前写过「如何用储蓄险安排养老」，当时从收益率、领取金额、灵活性等许多层面做了理性分析；来比较增额寿和养老年金，到底哪个更好。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">现在，看过更多案例后，我觉得养老年金「稳定现金流」的设计，更符合养老的实际情况。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">因为收益率在人性面前，不堪一击。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">年金险最大的特点，就是可以每个月都收到一笔确定的养老金。不管外部市场环境的如何变化，只要还有一口气，就会源源不断地能领钱。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">讲的不好听一些，有一份年金险，别人希望你可以活得越久越好；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">有了稳定的现金流，就是「自己养自己的老」，子女出力了还能给点辛苦费。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">如果换成一份增额寿，那别人想的可能就是快点得到这笔钱\u003C\u002Fspan>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;color: rgb(136, 136, 136);font-size: 14px;\">（遗产）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">举个例子：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">50岁的老张打算给自己买个100万的养老年金；设置为60岁领取。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">在现有产品里，比较好的养老年金能做到，\u003C\u002Fspan>\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">年领7.8万元\u003C\u002Fspan>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;color: rgb(136, 136, 136);font-size: 14px;\">（每个月6500元）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">，活多久领多久\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: center;margin: 0px 16px;text-indent: 0em;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F6fe8e684-8562-4be1-88c4-bfe7fa1387c7.jpg\">\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">在老张85岁时，已经总共领取了202.8万元\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">，相当于本金翻一倍。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">在老张90岁时，还能一次性领取11.7万元祝寿金；总共领取253.5万元。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">当然了，这款产品的特点就是每年领取的金额特别高。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">如果对自己的长寿预期没有那么有信心，也可以选择60岁开始领取，80岁领取结束的方案；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">同样\u003Cstrong>100万本金，在50岁时投保，60岁时领取，80岁时就能领回来234.5万元了\u003C\u002Fstrong>；不过，之后保单结束，领取结束。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">关于养老产品，大的方向是这笔「源源不断的现金流」会直接影响我们的生活质量。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">往细了看，是想每年多领钱，还是想做大总领取额度，又或者是想在多种需求中均衡；就得看我们的具体情况了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">由于年金险对我们的陪伴是以几十年为单位的，一份适合自己的产品，属于好钢用在刀刃上；\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">而一份与自己情况相悖的产品，也会带来许多麻烦。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">因此，建议大家在做\u003Cstrong>养老规划&储蓄规划\u003C\u002Fstrong>时，一定要先盘清楚自己的情况；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">我们刚刚更新了一版储蓄险\u003C\u002Fspan>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;color: rgb(136, 136, 136);font-size: 14px;\">（养老年金）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">学习课程，本期会重点讲解 「如何筛选优质养老年金」「 养老年金适合哪些人群」「养老年金产品清单」等知识点。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">席位有限，感兴趣的朋友可以提前扫码入群~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: center;margin: 0px 16px;text-indent: 0em;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F009d5856-12cf-4ba5-99aa-37fd2d99d567.jpg\">\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: center;margin: 0px 16px;text-indent: 0em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em;text-align: justify;margin: 0px 16px;text-indent: 0em;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);margin: 0px;padding: 0px;\">晚安🌹\u003C\u002Fspan>\u003Cbr>\u003C\u002Fp>\n\u003C\u002Fdiv>","","2023-12-13 22:12:00",100,0,"renqiang@jane7.com","2025-06-06 17:37:53",false,17283,"1038002",[],[],[],[],[30,42],{"pageSize":4,"articleWikiId":31,"wikiName":32,"articleCode":33,"locationType":34,"sortNumber":35,"articleTitle":36,"introduction":37,"coverImage":38,"likeCount":19,"realSearch":22,"createTime":39,"seoUrl":40,"seoKeywords":41},95,"保险知识","JP2020061918353644287",2,20200619,"用1000万保单，顶30万彩礼，这能行吗？","这1000万的保障，到底对女方有什么实在的好处？一起来聊聊~","https:\u002F\u002Fimage.jane7.com\u002F07d4fcb3-81ee-42b5-9a58-410c74054eda.png","2020-06-19 18:35:36","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020061918353644287-95.html","保险",{"pageSize":4,"articleWikiId":31,"wikiName":32,"articleCode":43,"locationType":34,"sortNumber":35,"articleTitle":44,"introduction":45,"coverImage":46,"likeCount":19,"realSearch":22,"createTime":47,"seoUrl":48,"seoKeywords":41},"JP2020061918403878913","买完保险后，有哪些注意事项？这1点不能忽视","投保后非常关键的一件事，就是进行保单管理！一起来看看~","https:\u002F\u002Fimage.jane7.com\u002F45eb7c4f-fc09-4aff-81b2-b379c8cd63d4.png","2020-06-19 18:40:38","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020061918403878913-95.html"]