养老保险VS储蓄养老保险作为一种长期稳健的投资,它遵循的是安全性原则,能确保在退休后养老时能达到预期收益,给老年生活以保证。与养老保险相比,储蓄较灵活,存取方便自由,储蓄一般都是单利计息,须征利息税,利率不保证,而养老保险是强制性储蓄,免征利息,保证收益。养老保险还享有分红等益处,但储蓄并不具备。 Pension Insurance VS Savings Pension is a long-term, sound investment that follows the principle of safety and ensures that the expected benefits are rewarded for retirement with the guarantee of senior citizenship. Compared with the old-age insurance, the savings are more flexible and convenient to access. The savings are generally interest-bearing interest rates, interest tax and interest rates are not guaranteed, while pension insurance is compulsory savings, interest-free, guaranteed income. Endowment insurance also enjoys the benefits of dividends, but savings do not have.