As time goes by, people born in the 70s gradually enter middle age and face retirement problems.
The important question for them is how much money they have saved for a decent retirement.
1. Mr. Wang: Deposit 1 million and plan retirement in advance.
Mr. Wang is a post-70s generation and has been engaged in the financial industry for many years.
He said he started planning for retirement early on. In order to ensure the quality of life in the future, I worked hard, saved money, and saved 1 million yen.
Mr. Wang believes that the following preparations need to be made for retirement.
Medical contingency costs: Medical expenses are a non-negligible part of the elderly care process.
In order to cope with possible health problems, Ms. Wang set aside some of her savings as medical reserves.
This money can be used to pay for medical bills and medicines, among other things.
Pension Savings: In order to protect his future living expenses, Mr. Wang has accumulated a pension through fixed deposits and wealth management products.
He believes that the annual rate of return of pension should be controlled within a reasonable range to ensure stable income and avoid excessive risks.
Contingency reserves: In addition to medical reserves and pension reserves, Mr. Wang has also set aside a portion as contingency reserves.
This money can be used to respond to emergencies such as unemployment or natural disasters.
Mr. Wang said that with 1 million savings, he will be able to maintain a relatively comfortable standard of living after retirement.
He plans to continue working for a while after retirement to increase his future pension savings.
2. Mr. Li: Save 500,000 yuan and pay attention to the quality of life.
Ms. Li is a teacher born in the 70s of the 20th century. I believe that with 500,000 yuan in savings, I will be able to live a decent retirement.
Unlike Mr. Wang, Mr. Li is more focused on quality of life and believes that money should be spent wisely.
Mr. Lee's retirement plan is as follows:
Housing Readiness: Mr. Lee owns his own home and plans to continue living there after retirement.
She is responsible for the repair and maintenance of the house on a daily basis to keep the home comfortable.
Reserve for living expenses: Mr. Li plans to save a certain amount of reserve for living expenses through wealth management products such as fixed deposits.
The money can be used for daily living expenses, social activities and other expenses, she said.
Health Reserve: Mr. Li exercises regularly to maintain a healthy lifestyle.
At the same time, you will also have medical insurance and critical illness insurance to cover any health issues that may arise.
Emergency Reserve: Ms. Li deposited a portion of the funds into the Emergency Reserve.
This money can be used to respond to emergencies and emergencies.
Mr. Li believes that with his savings of 500,000 yuan, he will be able to live a relatively comfortable life after retirement.
She plans to continue working and volunteering part-time after retirement to increase her retirement savings.
3. Mr. Zhang: Deposit of 300,000 yuan, relying on social security and child support.
Mr. Zhang is a worker born in the 70s of the 20th century. I believe that with a deposit of $300,000, I will be able to live a decent retirement.
Unlike the previous two respondents, Ms. Zhang's future retirement is more dependent on social security and child support.
Mr. Zhang's pension plan is as follows:
Social Security Pension: Ms. Zhang said that she has been contributing to the social security pension for many years and will rely on it to maintain her future lifestyle.
He learned that the social security pension will provide him with a fixed monthly pension after retirement, bringing him a certain amount of security.
Support for children: Mr. Zhang believes that children are the most reliable support for parents.
He plans to rely on his children's financial assistance to improve the quality of life in retirement.
He said the children already have a family and some financial resources to support their parents' retirement.
Medical Reserve: Mr. Zhang will also set aside a portion of the funds as a medical reserve.
He said the money could be used for **, medicines and other expenses.
At the same time, you will also have medical insurance and critical illness insurance to cover any health issues that may arise.
Contingency Reserve: Mr. Zhang withdraws a portion of the funds as an emergency reserve.
This money can be used to respond to emergencies and emergencies.
He said it was reassuring to have emergency reserves.