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When it comes to pension planning, some people have to frown:
I'm so young, what do I want to do for the long term? 】
But! Be! It is really recommended to arrange the pension early!
Let's take a look at this set of data:
The average life expectancy in 2000 was 7173 years old, 77 years old in 20227 years old.
And the development of medicine will make this number longer and longer.
If you don't save money when you're young, longevity becomes a risk.
You can refer to this pension idea:
After 15 years of social security, Meimei receives a pension.
The sooner you start saving money when you're young, the better.
Rational allocation of steady + enterprising with money management to achieve spiral upward growth.
Supplement commercial endowment insurance and social security, together with life, receive money for life, with a monthly income of more than 10,000 yuan
So the question is, how much money do you have to prepare?
What are some practical methods? Where is it more stable?
Learn the next 3 tricks to help you develop a feasible retirement plan.
The first trick: master the 4% rule.
Proposed by Willian Bengen, a scholar at the Massachusetts Institute of Technology.
When a year's expenses = 4% of your savings, and you receive no less than 4% of your income, you can retire early.
4% can also be turned into % according to the actual situation, and 3 chestnuts are lifted.
If you want to spend 4000 per month (to meet daily expenses) = 480,000 a year, if you want to retire, you have to save enough for 48 4% = 1.2 million.
If it is a monthly flower of 6,000, you have to save enough 12 4% = 3 million.
If you don't get 4% or 3% a year, in the same case, you have to save enough for 48 3% = 1.6 million.
The second trick: learn the 8 ways to save money.
The essence is on the map, take the 365 savings method as an example, you can save 66,795 yuan a year.
The third trick is to distribute income in the short, medium and long term.
Short-term: The money to be used within 1 year, such as food expenses and vehicle insurance premiums, should be considered to be put into common payment instruments or bank H deposit certificates, which are about 2% a year.
Medium-term: 3-5 years to use the money, responsible for personal planning, such as buying a house and a car, consider putting in a fixed deposit, national zhai, there is about 2% 3%, want to be aggressive, and then carefully consider the stable type of jijin.
Long-term: more than 5 years, specifically responsible for pension planning, consider putting in 5 10-year certificates of deposit + pension insurance, and make good use of the 12 certificate of deposit method, which can not only have money for flexible emergencies every year, but also receive money for life, and supplement social security.
Investment is risky, at your own risk, the specific fee business rate and policy amount are subject to the actual situation.
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