Many people hope that they can rely on their old age, and for this reason, many people will start to prepare from a young age, such as paying social security, so that they can get a stable and sustainable pension later, such as actively saving money. These are all things that a person relies on to live a decent life in his old age. But how much savings and pensions should I have? If a person retires, has a monthly pension of 3,000 yuan and a deposit of 200,000 yuan, can he enjoy his old age in peace?
One, for many people, enough.
In fact, a monthly pension of 3,000 yuan and a deposit of 200,000 yuan have exceeded many people. There are still many people who don't even have a pension at all, or the pension is only more than 1,000 yuan, and the savings have not reached 200,000 yuan, and they are still enjoying their old age.
Data show that last year, the per capita consumption expenditure of urban residents in China was 30,391 yuan, and the monthly pension was 3,000 yuan, and the annual pension was 36,000 yuan. In comparison, it can be seen that in many urban areas in China, there is a pension of 3,000 yuan that can basically cover living expenses, and even have a balance.
If a person is in good health after retirement, the monthly pension cannot be spent, and the 200,000 savings in his hand can even be slowly increased.
Second, for some, it's not enough.
But for some people, it is not enough to rely on the above-mentioned monthly pension of 3,000 yuan and 200,000 yuan in savings. Because in some areas, the cost of living is indeed larger. For example, the data shows that in 2020, the per capita consumption expenditure of residents in Beijing and Shanghai was 38,9033 yuan and 425363 yuan, both more than 36,000 yuan.
If the person is relatively healthy and has a relatively low consumption level, then the interest brought by the deposit of 200,000 yuan can be used to subsidize living expenses. However, if a person's health is worried, sometimes only 200,000 yuan cannot support the whole process and rehabilitation costs.
Moreover, as time goes by, the 200,000 yuan may also depreciate more and more. In addition, the deposit interest rate is currently relatively low, and there will continue to be a downward trend in the future, and the interest on deposits received in the future may become less and less.
3. How to do it.
What should we do in such a situation?
First, in old age, the medical expenses corresponding to healthy and unhealthy people may be very different. Elderly people who are in good health may rarely get sick, and even if they have an occasional fever, they can just take medicine for a few days. However, the elderly who are not in good health may be frequent visitors to the hospital, and they need to take a lot of medicine to control the indicators all year round, and sometimes they even need to do various expensive examinations, or be hospitalized for surgery.
Therefore, it is important to make sure that you are in good health and start exercising and maintaining your health early. Even if you are already sick, trying to improve your physical fitness through diet, exercise, etc., can make a person more resilient in the face of illness.
Second, if you have retired and live in a city where the level of expenses is relatively high, you can move to other cities or rural areas with relatively low expenses, and try to limit your monthly expenses to 3,000 yuan. If it is really less than 3,000 yuan, then the excess can be made up by reemployment, try not to use the 200,000 yuan deposit, but use it as medical funds or emergency funds.
Third, it is necessary to properly manage these deposits, try to find a way with a higher rate of return, which can be managed with the help of bank deposits, etc., or with the help of some bank change financial management or the general trend of foreign trade and economic consignment, 200,000 yuan per month to get 2,000 yuan of profits, and then can also be managed with the help of savings and treasury bonds.
In short, after retirement, if you have a monthly pension of 3,000 yuan and a deposit of 200,000 yuan, for some people, you can enjoy your old age in peace, but for others, it is not necessarily, and you still need to continue to work hard.