Kunpeng Project
If you do not participate in social security, you can deposit 1,800 yuan in the bank every month
In our country, the elderly are an important group, and the elderly are a very important group. For many young people, social security is not their first choice after retirement, and they feel that they still have a long plan for life. However, if you don't pay social insurance, if you deposit 1,800 yuan in the bank every month, will your pension be enough after 15 years?
To answer this question, we must first have a clear understanding of our own pension requirements. The living expenses, medical expenses, and leisure and entertainment expenses of the elderly are important components of the living expenses of the elderly. The cost is different for different regions and lifestyles, so estimate it according to your specific conditions. If a young man deposits 1,800 yuan to the bank every month from the age of 25, the deposit is 21,600 yuan in one year and 324,000 yuan in 15 years. At an interest rate of 3% per annum, the sum of principal and interest after 15 years is about 400,000. However, this is only the increase in your savings, not your principal. If you want to account for the full expenditure of pensions, you should take inflation into account. Assuming an annual inflation rate of 3%, 400,000 in 15 years is about the same as 250,000 today. If it is 2,500 yuan a month and 30,000 yuan a year, it will be 450,000 yuan in 15 years. In other words, it is not enough to have savings, there are other income and expenditures. This is only a rough estimate, and the situation may change in reality. If you can still work after you retire, or if you have other income, your savings may be enough. In addition, if you can make a proper financial plan for personal finance, control expenses, and reduce living expenses, it is also beneficial to alleviate the living burden of the elderly.
In general, if a person does not pay social insurance, he or she deposits 1,800 yuan in the bank every month, and after 15 years, he may not be able to use it all for retirement. Therefore, when making plans for the future, it is necessary to consider all the factors and make a correct financial plan, so as to ensure that you can enjoy your old age in peace. In the process of investing, you should grasp your own risks and do not blindly invest or make irrational decisions.