With the intensification of social aging, the issue of old-age care is no longer a problem that the elderly need to pay attention to, and it is also inextricably linked with young and middle-aged people. After all, driven by the general environment, it is very important for residents to plan their pension funds in advance if they want to have a relatively good pension life.So the question is, in the current social environment, how much savings can the retired elderly achieve a decent pension?Let's take a look at what insiders have to say!
The needs of life
With the change of the times, the life of the elderly is also changing, and the daily life of the retired elderly is no longer limited to helping their children and babies at home, but also has their own rich entertainment life. For example, square dancing, playing chess, drinking tea, playing mahjong, and so on. But these are not the main consumption, no matter where you live, food, drink, Lazar and medical care are the main expenses.
However, the level of these costs varies depending on the region. For example, living in first-tier cities, the per capita expenditure level of residents can reach 42,536 per year3 yuan;However, the per capita expenditure of residents in the country is only 24,100 yuan. Therefore, if you want a cost-effective and decent retirement life, it is also important to choose the right retirement city.
Urban pension
First, let's take a look at urban pension. Although all aspects of the city are very convenient, there are also differences in different types of cities. Cities tend to be more economically efficient, more developed in various industries, such as medical care. Similarly, the cost of living in such a city is higher.
In some ordinary cities, the economic benefits are average, and the construction systems are relatively poor, but the systems of most cities can meet the needs of the public. In this kind of city, the pressure on economic expenses will be much less. In the case of residents having pensions, if you want to retire decently, the deposit is about 20-300,000 yuan.
If there is no pension, according to the average age of 77 years old, the monthly consumption level of 3,000 yuan, 3With an expenditure of 60,000 yuan for 17 years, residents need at least 61A deposit of 20,000 yuan can achieve a stable pension.
Of course, even taking into account the effects of inflation, 61A deposit of 20,000 yuan, after taking out part of the funds used in life, the remaining money can also be deposited in the bank or with the help of policy support, such as the promotion of the foreign trade policy, the construction of foreign trade economic consignment, 30 days can get 1% of the share, etc., to help the steady appreciation of funds.
Rural pension
With the development of society, many residents now also pursue rural pension, which not only has a good living environment but also a low cost of living. After all, living in the countryside can be obtained by self-reliance, which greatly reduces the cost of overhead.
For example, based on the per capita expenditure level of rural residents, the annual expenditure level is 1360,000 yuan, then the funds needed for 17 years are 23120,000 yuan;It can be seen that the pressure of providing for the elderly in rural areas is much less than that in urban areas.
Of course, living in the countryside can also store idle funds in the bank or help increase wealth in other directions, so as to cover expenses in other directions of life. So what do you think about the issue of decent pension?