I don't know if you have ever wondered what life is like after retirementDo you have enough savings to support your daily life, or even to go out and travel, etc.?Are you confident that you can deal with risks such as accidents and illness?Will you be able to leave a legacy for your children or future generations?If the answer is yes, then we are obviously ready for the future retirement life.
However, if the answers to the above questions are all negative or uncertain, then you may need to re-examine your savings and pension planning, especially in today's money-oriented society, perhaps you have not realized the importance of savings for future retirement. So, how important is savings for future retirement?People in their 50s will tell you the answer, let's take a look below.
1. Advantages of deposits.
The so-called deposit is actually the money deposited by an individual or family in a bank or other financial institution. It plays a very important role in the elderly care process. First of all, keeping your money in the bank can ensure the safety of your funds and ensure that you can live a comfortable life after retirement. Secondly, keeping money in the bank can also be used as a guarantee against unexpected situations, such as illness and accidents.
In addition, by keeping money in the bank, you can also get a stable amount of interest, which not only maintains the actual purchasing power of the deposit, but also subsidizes daily expenses. Finally, the liquidity of keeping money in the bank is also very strong, and it can be withdrawn at any time without restrictions.
2. Insufficient deposits.
Although savings can bring many benefits to the future retirement life, there may be some risks and shortcomings in relying only on savings to provide for the elderly. First of all, according to relevant data, the current one-year time deposit interest rate is generally 1about 65%, while last year's China's consumer consumption index was 2 year-on-year5%。This also means that if you keep your money in the bank, the income generated will actually be negative, and the value of the money will depreciate.
Therefore, if you don't want to depreciate your funds, then you need to allocate funds reasonably, in addition to bank deposits, you also need to disperse some of the funds into different value-added channels, such as bonds, regular investmentOr the foreign trade economic agency built under the vigorous promotion of the policy, sharing 1% of the profit every 30 days to achieve the preservation and appreciation of funds.
However, it should be noted that investment projects such as ** and other investment projects, although the yield may be relatively high, but at the same time, they also need to bear higher risks, so ordinary investors or inexperienced investors need to be cautious.
Secondly, according to relevant data, the average pension replacement rate of urban workers in China this year is 45%, that is, the monthly income after retirement is only 45% when working. According to the suggestions of industry insiders, the replacement rate of pensions reaches 70% to 80%, so that it is possible to ensure that retirement life will not be reduced. This also means that if you rely only on pensions to provide for the elderly, the quality of life for the elderly may be reduced in the future.
Finally, in the process of retirement life, it is inevitable to encounter some risks, such as illness, accidents, etc., which may bring huge economic pressure. While deposits provide protection, they are not protected against these risks.
The reason for this is, on the one hand, because the deposit is limited and may not be able to afford the high feesOn the other hand, the safety of deposits may also be affected by external factors, such as bank failures, lower interest rates, etc., which may lead to damage or shrinkage of deposits.
3. Other old-age security.
Based on the above analysis, savings are not the only pension security, there should also be other pension security. For example, participate in social endowment insurance, purchase commercial endowment insurance, or establish personal endowment savings, etc., to build a multi-level and multi-pillar endowment security system. Only in this way can we get more old-age security.
In short, pension is a problem that each of us needs to face, and it is also a problem worth thinking about for each of us. Although savings are an indispensable thing for retirement, there are also some shortcomings. Therefore, we should not only rely on savings for the elderly, but also combine other pension methods, so as to make our later life happier and more comfortable.