As China's society continues to age, more and more elderly people are beginning to care about their own pension issues.
Saving is one of the most important aspects of retirement life. So, how much do you need to save for retirement after age 60?
1. Mr. Wang: 300,000.
Mr. Wong is 62 years old and has been retired for many years.
When he was young, he worked in a state-owned enterprise and received a monthly pension of 3,000 yuan after retirement.
Mr. Wang's wife passed away a few years ago, and he has two children, both of whom are married and started their own businesses.
Mr. Wang believes that his savings of 300,000 yuan are enough for him to retire.
He said: "I have my own house, my monthly pension is enough to live, and my savings can be used as an emergency** to deal with emergencies." ”
2. Mr. Li: 500,000.
Aged 63, Mr. Lee was a medical doctor before his retirement.
Her pension is relatively high, with 5,000 yuan per month.
Lee has a son and a daughter, both of whom are already working.
Her husband died a few years ago and she now lives with her daughter.
Mr. Li thought he needed a deposit of $500,000 for himself.
"My monthly pension is relatively high, but as I get older, the medical expenses gradually increase," she said. The savings of 500,000 yuan can be used as a medical reserve to deal with possible health problems. ”
3.Mr. Chen said. ：800,000
Mr. Chen, aged 65, was a senior engineer before his retirement.
His pension is relatively high, 7,000 yuan per month.
Mr. Chan has a married daughter.
The wife is still working and earns 3,000 yuan a month.
Mr. Chen believes that the deposit of 800,000 yuan is not enough for him and his wife.
He said: "Our monthly income is relatively high, but our daily expenses for travel, entertainment, and social interaction are also huge. In addition, it is necessary to consider future medical and pension issues, and it is possible to deposit 800,000 yen. "Only part of our needs are met. ”
The above three cases illustrate that different people have different views on deposits.
But in general, saving is very important for older people.
So, how much do you need to save for retirement after age 60?
It depends on the individual's actual situation.
In general, older adults should consider the following:
Daily living expenses: Seniors need to calculate their daily living expenses, including food, housing, transportation, entertainment, etc.
Under normal circumstances, the monthly living expenses should not be less than 1,000 yuan.
Poor health means more medical expenses.
Emergency reserves: In the lives of the elderly, it is necessary to have an emergency reserve fund in case of emergencies such as illness and falls.
Medical costs: As the elderly age, their health conditions gradually deteriorate, and the medical expenses gradually increase.
Therefore, the elderly should take precautions and maintain a certain amount of medical reserves to meet the needs of medical expenses.
Retirement costs: Seniors need to consider their own pension issues, including the cost of nursing homes, care centers, and long-term care insurance.
You may need to save some money to cover these expenses.
Considering the above aspects, the elderly generally need to have enough savings to take care of future pension and medical problems.
The exact amount of deposit required depends on the individual's actual situation and lifestyle.
If the elderly can plan their finances wisely, save and invest actively, they will be able to better protect their retirement life.