A netizen in Beijing posted about his parents' "happy life" when they retired at home. This netizen's parents have been retired for many years, and now they have a total pension of 15,000.
Generally, retirees in the system will not be lower than this number, and netizen's parents can get 15,000, which is obviously retirement in the system. Although the old couple picked up a lot of retirement salaries, the money was not enough for the old couple who didn't like to spend money.
According to netizens, their parents' monthly living expenses are only 3,000 yuan, which is not enough for young people living in Beijing, but it is more than enough for the elderly.
According to the national average pension in recent years, the per capita pension treatment is only about 3,500 yuan. The pension of 15,000 yuan from her parents is obviously at the upper middle level, so that her financial pressure is very small, and she can also get the subsidy from her parents.
Not only that, netizens also said that the parents have spent the necessary expenses, and the life of the elderly is very healthy. They never order takeout, rarely go out to eat, only eat two meals a day, and don't eat after lunch.
Not only that, but the two old men also got up late, went to bed early, and went to bed on time and on time every day. In his spare time, he walked 20,000 steps to the small park in front of his house before returning home.
Occasionally, I will soak wolfberries in a thermos cup, and go to the suburbs for a spring outing with side dishes in a thermos bucket. I have to say that this little day is very pleasant.
However, what puzzled netizens was that parents were reluctant to spend more money. It stands to reason that in a big city like Beijing, a family spends 3,000 a month a bit low, but the old couple really don't like to spend money.
As a result, parents can save 10,000 yuan a month. Netizens did not agree with her parents' behavior, so she wanted her parents to live a good life in their old age and told them not to save money, but she didn't expect her parents to say that they had eaten what they wanted to eat and played, but they couldn't spend it.
Netizens always feel that money is something outside the body, and they don't bring it in life or death. It is very worthwhile to use money to improve the material life of parents, but parents just don't consume, which makes netizens feel a little distressed.
In fact, this situation is not unique to netizens, and many elderly people with pensions are reluctant to spend too much.
Parents who have been frugal all their lives, even if their living conditions are better now, will not go back to spending lavishly. For them, when they have surplus food in their hands, they will not panic in their hearts.
In this way, netizens can help parents plan their pensions reasonably. Since the parents said that "they have eaten everything they want to eat and played everything they want to play", it is the most important thing for parents to arrange the surplus money in their lifetime.
For netizens' parents, who have a lot of monthly pensions and some savings, how should they plan?
First of all, keep 5,000 yuan in the passbook.
Because the parents of netizens themselves have a high pension, they will have a certain amount of savings in their accounts. At this time, it is more suitable for the elderly to maintain a liquidity of 5,000 yuan in the account at any time.
Under normal circumstances, the daily expenses of netizens' parents are only more than 3,000 yuan, and the remaining 2,000 can be used as an unpreparedness.
The interest on the current passbook is not much, and the interest of 5000 is not much loss, so it is very convenient to take it at any time.
Besides, as the focus of fraudsters, the old man does not have much living money in his hands, which is also a good way to prevent the probability of the elderly being deceived.
Secondly, the remaining 60% of the savings are planned for financial management.
Many people will now help their parents get the pension to make a separate **fixed investment, and choose a currency** for financial management.
In this way, it can be separated separately as a good means of financial management, and can be distinguished from the child's index** to avoid risks.
In this way, even if the child's financial management encounters a risk and loses all the money, the pension of the elderly will not have much of a problem. It also guarantees that you can use it at any time if you need money.
Finally, be sure to have a large amount on a regular basis.
If many elderly people are not keen on financial management, they will have their own fixed deposits, just like the parents of netizens will keep 10,000 yuan every month, so that they can save a fixed deposit.
Under normal circumstances, retirees in the system have at least 100,000 or more in their hands, and they can take out about 300,000 yuan to choose a 3 to 5-year term.
In this way, you can earn interest and have funds to work with. After all, for the elderly: the stability of assets is more important than the appreciation of value.
However, I would like to remind you that as an elderly person, you can discuss with your family members that the name of your child should be written as much as possible.
This is to prevent the children from withdrawing the money immediately in case something bad happens, so that there will be no disputes at the bank because of the name.
To sum up, understanding the consumption needs of the elderly and ensuring the use of pension planning is what should be considered as children.
After all, the sunset is infinitely better, but it is just near dusk. The elderly need to plan their assets in a limited time in order to enjoy their old age without worrying about food and clothing.
List of high-quality authors