There is a joke on the Internet: After every child, we were scolded for our poor grades in school; After starting a family, we are scolded for our children's poor grades; After we retire with the baby, our grandson's bad grades are estimated to be scolded by us....
Although it is a joke, in fact, the reality is that our life is really too stressful.
We have reached the age of 30+, and our parents' generation is basically from a farmer's background. Now I have reached the retirement age of 60+, but I don't have a pension.
Basically, the maintenance problem every month is given to us, and the child-rearing problem is also pressed on us.
Only after deeply experiencing this pressure, I really don't want to be a burden to my children in 30 years.
The most perfect life in old age is: rich and free!
In order to be able to fulfill this vision of old age, I have made 4 retirement preparations for myself.
1. Social security account.
Generally, when employees are employed, the unit will pay five insurances in accordance with the law, and the most important of the five insurances include pension insurance and medical insurance. Alternatively, flexible workers can also pay social security for flexible employment. It's basically the same.
In 24 years, the lowest pension in our city (after 15 years) can be paid about 2,300 a month, and my teammates and I have been social security for 10 years, and it is no problem to pay at least 15 years.
As long as the medical insurance account has been paid for 20 years (the current policy is that it can be made up at one time after 15 years), 2000+ medical insurance funds will be issued to the account every year for daily use.
Therefore, this channel account is expected to be able to distribute 4600+ (excluding inflation) with teammates
2. Commercial insurance.
Since the beginning of 21, I have supplemented myself and my teammates with return-type critical illness insurance, with an annual payment of 15w, paid for 20 years.
If the full premium is returned after 30 years, it is expected that the small 400,000 yuan can be recovered. Let's say our average age is 80 years old, which is equivalent to spending 1. per year5w, 1650 yuan a month.
3. Dividend-bearing stock account.
This account is planned from this year, and it is expected to buy 2k of dividend-paying stocks + 1k fixed investment every month, 36w.There are still 27 years to retire at the age of 60, so at least 100W. According to the dividend yield of 4%, it is estimated that the dividend will be 3,350 yuan a month.
4. ** Account.
This is the icing on the cake account and has not yet been launched. In the past, we disdained it, but now we can't afford it.
My plan is to meet the needs of the first three accounts, and if I have a slight balance, I will buy some dips and save up. Or you can save 20g a year
Maybe in my old age, I'll be able to save a solid gold trinket, which I can use as a family heirloom. It's so exciting to think about!
The second to fourth accounts above are all saved with income from side hustles. This is also the motivation for me to work hard to develop a side hustle income every year.
Of course, I hope that the motherland will be prosperous as always. We can always be safe and happy!