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Multi Year Guaranteed Annuity

"Guaranteed Interest for the Contract Years"

확정금리 보장형 연금플랜

​확정 금리 보장형 단기 연금 플랜

최근의 경제 환경은 은행이 제공하는 CD나 저축상품은 과거에 비해 현저히 낮은 이자율을 제공할 수 밖에 없는 환경입니다. 
소비자 물가지수의 급격한 상승에 따른 인플레이션 리스크로 화폐의 가치는 하락하고 있지만, 주식시장에 익숙하지 않는 일반 소비자는 자산을 안전하게 보관할 적합한 곳을 찾기는 더욱 더 어려워지는 상황이 계속 되고 있습니다. 

Multi Year Guaranteed Annuity는 보험회사에서 제공하는 저축상품이며 회사에 따라 최단기 2년에서 10년까지 계약기간에 따른 다양한 이자율을 제공하는 상품들을 출시해 두고 있습니다.

상품의 특성

  • 확정이자 제공: 계약 기간 동일한 이자 제공

  • 이자소득에 대한 세금이 인출시 까지 유예되어 복리 효과

  • 은행이자 보다 높은 이자 제공 

  • ​계약 기간에 따라 2% ~ 3%대의 이자제공

유의 사항

  • 단기 계약 상품에 따른 중도 해지 해약금이 부과 될 수 있음. 

  • 연금 상품의 한 종류이기 때문에 59.5 이전에 인출 할 경우                                          이자에 대한 10% 벌과금 부과

  • 계약 만료 후 인출하지 않을 경우 자동 계약 연장됨

  • ​회사별 이자율이 지속 변동하기 때문에 가입시 보험사별 이자 비교는 필수 !

 

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