6 financial products to save in retirement

6 financial products to save in retirement

Saving for the future is increasingly necessary. Pension plans, savings insurance, investment plans and deposits linked to the Stock Exchange are just some of the ways to complete the retirement pension. In this article, 6 financial products are collected to save on retirement. The pension plan, savings insurance or mixed investment funds are some of the products that can be hired for retirement and serve as a complement to public pensions.

1. Guaranteed pension plan:

The pension plan is the most effective and safest way to go saving also in retirement, provided it is guaranteed. It offers more attractive profitability than those generated from other products intended for savings, between 2% and 5% on average, making it the ideal complement for retirement. Some plans allow you to participate in your benefits and with better tax treatment than usual.

2. Savings and investment insurance:

In addition to knowing the tricks for a profitable investment, savings and investment insurance are a savings option. The advantage of this proposal for retirement is that, if the savings are maintained for the minimum time established by law, the returns will be exempt from any kind of taxation.

3. Individual savings plans:

The most characteristic model of this trend is the individual systematic savings plans. Its amount depends on the contributions made regularly. On the other hand, they offer better tax benefits for saving.

4. Deposits linked to the Stock Exchange:

Apart from being intended for the long term, it is a way to enter the equities without exposing oneself in the least. These financial assets can generate a return close to 5% and, in the worst case, always guarantee a minimum interest, although below the expectations presented by other financial products with greater exposure to the markets.

5. Mixed funds:

The combination of several financial assets through an investment fund is one of the keys to preserve the heritage and, at the same time, ensure at least a minimum return. We will have to choose the most defensive models, where the risks of depreciating the savings market are lower. You can find very appropriate designs for retirees who provide an annual return of around 5%, without risking a lot in investments.

6. Dividends:

Although the variable income is not one of the more indicated alternatives in these occasions, an exception can be made with the values ​​that distribute dividends among its shareholders. This option makes it possible to charge a fixed and guaranteed subscription every year, regardless of how the securities are listed.

Third age and health in travel

Third age and health in travel

We want to offer some advice to seniors who want to travel safely. Following some small items we can make our escapades are perfect and avoid unexpected health:

1. Go to the doctor:

If you have not had a medical check for a long time, we recommend you do it before you travel. Explain your travel plans so you can evaluate if there are risks and can make a correct diagnosis and send the appropriate medication, if necessary.

2. Medication:

In the event that you take medication regularly or have been prescribed by your doctor, you should not forget to take your medication and travel it in your hand luggage if you are going to fly. We recommend not taking the exact dose of medication, but more for possible unforeseen circumstances that may arise. If you do not need medication, it is also advisable to bring a small emergency kit with the common medications you may need (pills for dizziness, headache, laxatives, etc.) If you are going to travel outside our borders, it would be advisable that you bring a medical report written in English, where you specify the need for treatment and carry the medicines in their original boxes.

3. Vaccines:

Even though seniors do not usually travel so far, need 2019 BCBS Medicare Advantage Plans found here www.medicareadvantage2019.org/bcbs-medicare-advantage-plans-for-2019 international travel should be advised on the need for vaccinations or other medications to avoid catching diseases in the area you are visiting.

4. during the trip:

If you are going to travel by plane and the journey takes more than two hours, it is important to get up and walk down the aisle and move your joints to avoid the appearance of clots in the legs or possible muscle contractures. If you are going to travel by bus or car, it is recommended to get out of the vehicle and walk a little every two hours.

5. Food:

In general, older people tend to follow a balanced diet based on foods that their stomach digests well. When traveling, new cultures are known, but also new foods. To avoid feeling bad because of indigestion, our advice is to moderate with the foods that are new.

6. Health documentation:

We remind you that the precise documentation necessary to travel, whether near or far, is:

  • Individual health card or insurance: To be able to be attended in any emergency center of the public system.
  • Travel insurance policy: It is interesting to request it when traveling outside of your country. In the travel agency, they will answer your questions.

Third age and health in travel

Third age and health in travel

We want to offer some advice to seniors who want to travel safely. Following some small items we can make our escapades are perfect and avoid unexpected health

1. Go to the doctor:

If you have time learn more about AARP medicare advantage plans 2019 at www.medicareadvantageplans2019.org/aarp-medicare-advantage-plans-for-2019/ since we recommend you do it before you travel. Explain your travel plans so you can evaluate if there are risks and can make a correct diagnosis and send the appropriate medication, if necessary.

2. Medication:

In the event that you take medication regularly or have been prescribed by your doctor, you should not forget to take your medication and travel it in your hand luggage if you are going to fly. We recommend not taking the exact dose of medication, but more for possible unforeseen circumstances that may arise. If you do not need medication, it is also advisable to bring a small emergency kit with the common medications you may need (pills for dizziness, headache, laxatives, etc.) If you are going to travel outside our borders, it would be advisable that you bring a medical report written in English, where you specify the need for treatment and carry the medicines in their original boxes.

3. Vaccines:

Even though seniors do not usually travel so far, international travel should be advised on the need for vaccinations or other medications to avoid catching diseases in the area you are visiting.

4. during the trip:

If you are going to travel by plane and the journey takes more than two hours, it is important to get up and walk down the aisle and move your joints to avoid the appearance of clots in the legs or possible muscle contractures. If you are going to travel by bus or car, it is recommended to get out of the vehicle and walk a little every two hours.

5. Food:

In general, older people tend to follow a balanced diet based on foods that their stomach digests well. When traveling, new cultures are known, but also new foods. To avoid feeling bad because of indigestion, our advice is to moderate with the foods that are new.

6. Health documentation:

We remind you that the precise documentation necessary to travel, whether near or far, is: Individual health card or insurance: To be able to be attended in any emergency center of the public system. Travel insurance policy: It is interesting to request it when traveling outside of your country. In the travel agency, they will answer your questions.

Take advantage of retirement to travel

Take advantage of retirement to travel

Many advantages for retirees who want to see the country enjoying each region at a smooth and gentle pace. Pleasant weather, magnificent landscapes, efficient transport network, exquisite cuisine, economic advantages, medical guarantees, there is no reason to deprive yourself. These are some elements that you have to take into account to enjoy a trip to when you are retired.

When to leave travel?

Retirees do not have the limitations of holiday periods imposed by school rhythm. In particular, the months of July and August in are periods of great affluence in which crowded tourist sites are less pleasant, and accommodation rates are very high. To avoid these inconveniences and enjoy the weather, the months of May, June, September and sometimes October are very appropriate. In the coldest times, the southernmost regions are quite pleasant. It is also possible to leave in the middle of winter and find the warmth of the sun in the overseas departments.

A destiny adapted to your health:

However, depending on the health of each one, some destinations are more convenient than others. Older people who require urgent care should avoid traveling alone to isolated regions. In this type of situation, it is better to be accompanied or stay in a place that is close to basic services. For those suffering from arthritis or gout problems. The temperatures are more benign, and the density of doctors is higher. You also have to be careful with altitude, areas of high heat and cold periods. You have to prepare well by carrying in your suitcase appropriate clothes, as well as some medicines that could be useful. When you are in treatment, it is preferable to travel with the prescriptions, and ask the doctor for a complete treatment for the entire trip, so as not to become depleted.

Travel rate:

Regardless of age, an older person must learn to cope if they want to make the most of their stay. You do not enjoy a trip when you are constantly fatigued. The quiet hotels are essential to rest at night. If necessary, inform yourself beforehand of the existence of an elevator or parking in the establishment, or of specific equipment. Lack of time is not usually a problem for retirees. Small days, with one or two visits, are pleasant for most. You have to enjoy the moments. If you want to make crossings in high areas or sports activities, it is preferable to consult the doctor before leaving on a trip. It may also be convenient to have a complete review to calm down on the state of health.