The number of retirees is increasing day by day, and many retirees are receiving pensions and have a certain amount of savings, which can be said to be not bad for money. But here I advise all retirees to take care of their pensions, even if they have more savings, don't do the following 7 foolish things. Let's see what they are
First, don't trust high-return investments.
Many retirees have a lot of money in their hands, and they already have a high pension, such as a retiree I know, a pension of more than 9,000 yuan per month, and a lifetime of savings is also considerable.
In particular, many projects under the banner of national policy support, what kind of national project, the name looks very bluffing, and the promotion of low risk, high return, these so-called high return investment projects, the usual routine is to let the old man taste a little sweetness, first make some small investment, and then give a large return, and after the old man believes that he is really hooked, he will add a large investment, and at this time the criminals will abscond with the money.
That is to say, the old man is staring at other people's interest, while others are staring at your principal, so these so-called high-return investment projects must not be believed and invested, otherwise they will lose all their money.
Second, don't blindly buy a lot of health supplements.
Every retired elderly person hopes that they will live a long and healthy life, and the demand for health is very strong, which is understandable, but don't fall into the trap of health care products and blindly buy a large number of so-called health care products.
Many criminals specifically target the psychology of the elderly who hope for longevity, and sell the so-called ancestral secret recipes, special drugs, etc. through various forms, boasting wildly, but in fact, these health care products and drugs are three-no products, and the efficacy is seriously exaggerated. However, some elderly people just listen to and believe partially, and under the deception of others, they buy a large number of health care products and medicines, which is not only harmful to the body, but also loses a lot of money, which is counterproductive.
There are also many elderly people who are addicted to buying health care products, regardless of the persuasion of their children, and pile up a lot of various health care products at home, this kind of blind consumption not only causes their own financial losses, but also exacerbates the tension between their children.
Third, don't participate in free tours, lectures, or medical check-ups.
After the retirement, the retired elderly have a lot of free time, many people have nothing to do, see that there are free tours, free lectures, free physical examinations, they will go to participate, free eggs and so on, I feel that it is free anyway, and I will not suffer losses and be fooled.
But in fact, there is no free lunch in the world, and often free things are actually the most expensive in the end. Because these free tours, lectures, and physical examinations are actually gimmicks for drainage, they will try their best to make the elderly take out their own money, and at first they feel that they don't spend anything, but after participating, there may be hundreds of thousands.
For example, to participate in free lectures, the lecturers are often experts with various high-level statuses, but in fact, they are all packaged, and they often boast of a lot of miraculous medicines and health products, so that the old people believe that they are true, so they buy them one after another. There is also a free physical examination, the elderly are obviously not in the body, but they fool you about the risk factors in your body, and then recommend relevant drugs to you, and the old man falls into the trap of being deceived.
Fourth, don't lend money to friends and relatives.
Many retired old people are relatively rich, and this old man has become a fragrant bait in the eyes of relatives and friends, and if it is not good, it has become Tang monk meat.
Some relatives and friends will ask the elderly to borrow a large amount of money after a period of inactivity, and some elderly people will lend them money due to factors such as affection. However, it is easy to ask for money when borrowing money, and these people often do not return the loan in time, find various reasons to delay, and the ultimate goal is to seize the money of the elderly for free.
Therefore, the elderly should not lend money to relatives and friends at will, unless they have to, and do not lend their pensions to them.
Fifth, don't easily believe in the so-called housing for the elderly.
Some retirees don't have much money in their hands, but they have a house, so they want to use it for the elderly.
It is worth emphasizing that the formal "housing pension" is the "housing reverse mortgage pension insurance for the elderly" implemented by the state. However, in real life, many criminals use the banner of housing pension to induce the elderly to mortgage their houses and buy high-yield financial products, but in fact, they are handling mortgage loans, and after the loan is received, the criminals will quickly embezzle the money. As a result, in the end, the house mortgaged by the old man will be forced to auction, and the principal will be gone, and then the money and house will be empty, or even on the streets.
Such cases are not uncommon, and if the elderly want to provide for the elderly with housing, they must choose a formal insurance company. Don't be lured by high profits and lose your house.
Sixth, don't trust strangers who ask for warmth.
Many retired elderly people are not around, and the need for emotional companionship is stronger. And some strangers will take advantage of the weakness to dispel the vigilance of the elderly and gain the trust of the elderly by constantly shouting and asking for warmth.
These people will chat with the elderly very diligently, accompany them, and even wash their feet, which meets the emotional needs of the elderly and their children when they are not around, and even makes the elderly feel that these strangers are closer than their own children.
At this time, these strangers began to close the net, and some people will ask the old people to help complete the performance as the reason for letting the old people buy products, and these old people buy a lot of money products, but in fact, the reason why these people are very concerned about the old people, and the final value is the old man's money, and the means is emotional deception.
Seventh, don't become a free ATM for your children.
In real life, some elderly people are not short of money, and their children are lazy and have no work, so they over-fund their children and become free ATMs for their children.
These children even took the pension of the elderly as their own and turned it into their monthly salary, becoming a living gnawing old family.
This is actually very sad, because after the death of the elderly, the pension will be stopped. If children can't support themselves, how can they live?
In addition, for the elderly, pensions are more important than deposits, the elderly have millions of savings, and some children are looking forward to the death of the elderly, and if the elderly have a high pension, the children are looking forward to the old people to live, this is human nature.