With age, everyone is increasingly think about their future pension. Unfortunately, the realities of our country, such thoughts are not always joyful. And the experience of Western European countries shows that, sooner or later have begun talk of a possible increase in the retirement age will end completely predictable result – the moment of the well-deserved rest for the working youth now will move to the next few years. Yes, and most the state pension will be enough unless on a very modest consumer basket, but not at full life. Under these circumstances, to take care of their future pensions should be today. Many do it, deferring certain amount each month into a bank deposit or arrange life insurance with an annuity.
But these options have their drawbacks. The accumulation of funds in the bank deposit is not ensures a quiet and comfortable old age. On the contrary, will always be present fears: "Do not burn my blood in case of default?"; "How reliable is the bank that holds my retirement savings?" etc. In addition to it is necessary to consider another nuance – it is very difficult to make themselves not 'running hand' in retirement savings at every opportunity. Practice shows that such incidents happen during the life of plenty: you add money to purchase a new machine for repair, vacation, children's education, etc. In the end, 'retirement' bank account not only increases but also inevitably melts like spring snow. Not the best solution in terms of pensions – life insurance with an annuity.