Case Study Of Retirement Planning

China has already entered an aging society,a large number of aging populations brought about more and heavier pension burden to our government.To solve this problem effectively is related to social harmony and stability.From the perspective of personal financial planning,the ultimate goal of wealth management is to achieve financial freedom,and the life of pension is an important part of it.In other words,if someone wants to enjoy a quality and dignity life in old age,he should make a adequate preparation for his retirement pension,or he has to confront the situation of “No Country for Old Man”.Therefore,retirement planning is a very important step to pension goals.It is a vital planning to arrange the pension funds for everyone's retirement.To achieve the goal of retirement pension plan,in essence,is to get an adequate pension funds for retirement.With the experiences of developed countries,there must be many ways to get the pension fund.One of it is to encourage people to purchase commercial endowment insurance.In order to attain this object,government often gives individuals a preferential tax policy.It can be called Tax-Deferred pension insurance.Tax-Deferred pension insurance,an insurance that government allows individuals don't need to pay taxes in the period of purchase commercial endowment insurance,until pay this taxes after many years later.This policy,not only can increase individuals' consumption level and life quality after retirement,but also can reduce the pressure for pension financial burden.Therefore,this paper selects the relevant topic,uses the case study method,and bases on the perspective of Tax-Deferred pension insurance,to discuss how to solve the problem of pension shortage.Through the study of theories about Tax-Deferred pension insurance and retirement planning,the topic gives some advices to individuals,and has some theoretical and practical references value.