【好命退休懶人包】以房養老?還是安養信託? 如何規劃才能退休無煩惱

from 商周Bar · host 商業周刊

本集來賓：第一銀行信託處處長/莊淑娟、中華民國退休基金協會好命退休聰明理財平台召集人/王儷玲主持人：商業周刊總經理朱紀中在面對高齡化和少子化的趨勢下，傳統的「養兒防老」理念已經不再切實適用，特別是對於那些年輕時已經擁有房產、即將迎接退休的人來說，或許「房產比子女更可靠」。近年來，主管機關積極推動「信託2.0」，重新定義全方位的信託服務，使得高齡族群能夠依靠自己，享受豐富的退休生活。中華民國退休基金協會好命退休聰明理財平台召集人王儷玲指出，社會價值觀已經發生轉變，高齡族群生活財源逐漸不再依賴子女或孫子女。如果在年輕時將資金投入房產，退休後手邊現金儲備較低的情況下，房產實際上是一項極佳的資產變現工具。目前已有15家銀行提供以房養老貸款，貸款年限可選擇從20年至35年不等。安養信託是在信託公會和金融監督管理委員會積極推動下，自2020年開始取得超過5倍的成長。由於安養信託可以提前安排未來可能出現的照護需求，並且與醫療、社福、安養機構進行跨界合作，若進一步與以房養老結合，更有助於高齡族群提前部署自己的退休生活，享受美好的晚年。完整文章 ▶️https://www.businessweekly.com.tw/business/indep/1003953 第一銀行｜及早安排，樂享退休人生 ▶️https://www.firstbank.com.tw/sites/fcb/touch/zh_TW/1565687633477 -- Hosting provided by SoundOn

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【好命退休懶人包】以房養老?還是安養信託? 如何規劃才能退休無煩惱

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