80后最佳黄金投资品种推荐保险哪些品种，最佳黄金投资品种推荐组合是什么

来源：蜘蛛抓取(WebSpider) 时间：2016-12-12 09:43 标签： 梦幻西游5开最佳组合
几个保险品种的简要分析
五险一金，这里单讲养老保险和医疗保险。养老保险主要有以下几种：职工养老保险、城乡居民养老保险（城镇和农村居民养老保险今年合并了）和商业养老保险。医疗保险主要有以下几种：职工医疗保险、城镇居民医疗保险、新农合（城乡尚未合并）和商业医疗保险。在笔者看来，养老保险理论上能够抵抗通货膨胀而已，对于没有理财技能的普通民众而言，或许有些诱惑力，但是从国内外经验来看，养老基金对专业运作能力要求高，而道德风险却不小，从几个细分种类看，职工养老保险所在单位补贴力度很大、领取金额大，城乡居民养老保险国家补贴力度较小、领取金额小（追求广覆盖，下岗工人可在此列），商业养老保险要看品种和保险公司。总体看来，养老保险类似于鸡肋。医疗保险则一定要买，这才是真正意义上的保险，职工医疗保险费用、补贴比例、保障上限都高于城镇居民医疗保险（后者每年缴费200元左右，补贴比例50%左右，保障上限8万元左右，很少年龄限制），下岗工人购买城镇居民医疗保险相对划算（灵活就业人员社会医疗保险太坑人，大部分商业医疗保险性价比不高且限制性条款太多，商业险是否视为补充要视情况而定）。实事求是地讲，国家这几年大力推广社会医疗保险，绝对是功德无量的事情。80后年轻人压力大，一定要视情况为家庭所有成员（子女、自己、配偶、父母甚至爷爷奶奶等）都配置好医疗保险，这样才可以防备人生的黑天鹅，严格控制好家庭财务风险。
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