With the passage of time, the post-70s generation gradually entered middle age and faced the problem of pension.
For them, how much savings they have to achieve a decent retirement is a crucial question.
1. Mr. Wang: Deposit 1 million yuan, plan for retirement in advance.
Mr. Wang is a post-70s generation who has been engaged in the financial industry for many years.
He said that he began to plan for retirement very early, and in order to ensure the quality of life in the future, he worked hard, saved expenses, and accumulated a deposit of 1 million.
Mr. Wang believes that the following preparations need to be made for the elderly:
Medical reserves: In the process of pension, medical expenses are a part that cannot be ignored.
In order to cope with possible health problems, Mr. Wang set aside a portion of his savings as a medical reserve.
This money can be used to pay for medical treatment, medication, etc.
Pension reserves: In order to ensure future living expenses, Mr. Wang has accumulated pensions through fixed deposits, wealth management products, etc.
He believes that the annualized rate of return of pensions should be controlled within a reasonable range, not only to ensure the stability of income, but also to avoid excessive risk.
Emergency reserves: In addition to medical reserves and pension reserves, Mr. Wang has also set aside a portion as an emergency reserve.
This money can be used to deal with emergencies such as unemployment, natural disasters, etc.
Mr. Wang said that having a deposit of 1 million yuan can allow him to maintain a relatively comfortable standard of living after retirement.
He plans to continue working for a while after retirement to increase his retirement savings in the future.
2. Ms. Li: Deposit 500,000 yuan, pay attention to the quality of life.
Ms. Li is a post-70s teacher, and she believes that having a deposit of 500,000 yuan can enable her to achieve a decent retirement.
Unlike Mr. Wang, Ms. Li is more focused on quality of life and believes that money should be spent wisely.
Ms. Li's retirement plan is as follows:
Housing Readiness: Ms. Li owns a home of her own, which she plans to continue living in after retirement.
In order to maintain the comfort of the house, she will pay attention to the repair and maintenance of the house on a regular basis.
Living cost reserves: Ms. Li plans to accumulate a certain amount of living expenses reserves through time deposits, wealth management products, etc.
She said the money could be used to cover daily living expenses, social activities and more.
Health Reserve: Ms. Li will pay attention to exercise and maintain a healthy lifestyle.
At the same time, she also takes out medical insurance and critical illness insurance to cover possible health problems.
Emergency reserves: Ms. Li set aside some money as an emergency reserve.
This money can be used to respond to emergencies and emergencies.
Ms. Li believes that having a deposit of 500,000 yuan can allow her to live a relatively comfortable life after retirement.
She plans to continue to work part-time or volunteer after retirement to increase her retirement savings.
3. Mr. Zhang: With a deposit of 300,000 yuan, he relies on social security and children.
Mr. Zhang, a post-70s worker, believes that having a deposit of 300,000 yuan will allow him to achieve a decent retirement.
Unlike the previous two respondents, Mr. Zhang is more dependent on social security and the support of his children for his future retirement.
Mr. Zhang's pension plan is as follows:
Social security pension: Mr. Zhang said that he has paid social security pension for many years and will rely on social security pension to maintain his life in the future.
He learned that the social security pension can receive a certain pension on a monthly basis after retirement, which can provide him with a certain amount of living security.
Child support: Mr. Zhang believes that children are the most reliable support for parents.
He plans to improve his quality of life by relying on the financial support of his children after retirement.
He said that his children have already started a family and have a certain financial ability to support their parents' retirement life.
Medical reserves: Mr. Zhang will also set aside a portion of the money as a medical reserve.
He said that the money could be used to pay for medical treatment, medicine and other expenses.
At the same time, he will also purchase medical insurance and critical illness insurance to deal with possible health problems.
Emergency reserves: Mr. Zhang set aside some money as an emergency reserve.
This money can be used to respond to emergencies and emergencies.
He said the contingency reserve could provide him with some security.