Kunpeng Project
How much savings do you need to support a self-sufficient pension? Insiders give the "answer".
How much savings does a person have to have to support themselves? The experts have already given the "answer"! We must recognize that retirement is a long process and saving is not a simple number. However, we can make a rational guess about how much money is needed for pension according to different age groups. According to the statistics of the National Bureau of Statistics, 2023 yuan per month can allow you to have a decent old age in your old age, provided that you are not sick, do not travel, and have no sense of security. Counting inflation, deposits, deposits, etc., it is estimated that in order to maintain the current standard of living, at least 6.36 million yuan of savings will be required. Next, we will introduce them to you one by one according to different age stages.
1. 35 years old (3 to 5 years of work experience).
At this age, most of the money is spent on buying a house and getting married. However, he doesn't need to worry too much, if he can spend wisely, then he has enough money to save. If you can save 2,000 yuan a month (24,000 a year), the interest for 20 years is 1.46 million. That's still a rough number, and in fact, no one can say what will happen in twenty years' time.
But we can use these funds to invest in some investments, so that our wealth can be accumulated slowly. At the same time, he has to prepare for his retirement plans. Normally, the social security pension is increasing year by year, as long as you can pay according to the current level of employees, then when it is time for you, you can get a good pension. In addition to this, it is also necessary to purchase the necessary business insurance, which can reduce the risk.
2. 35-50 years old (10 years of work).
At this time, the youth has laid a solid foundation in his career, and he is worth about 500,000 at this time. Now that he has a wife and children, the expenses are even greater, so he has to learn to be budget-conscious. At this time, he can invest the money in **and**.
Investing is never easy, and there will be many difficulties and obstacles on this road. It's something that everyone has to go through. We should learn to approach the market rationally, understand and control it. Before making an investment, it is best to consult an expert. You can also find interested people to form an investment group, research together, improve together, supervise each other, and motivate each other. There is a saying that "when you lose your way, the rich are making a lot of money", and we have to learn a lot from them, and at the same time look for people who are capable and willing to help you. By working together, everyone can share the pressure and reduce the danger.
3. After the age of fifty.
At his age, the wealth in his hands should have reached a considerable level. This is where you need to diversify your investments, not just savings and **, but also other financial products. It is recommended to buy some trusts, pension wealth management products of insurance companies online, etc. The profit of this financial management method is relatively high, but there is also a great risk, so you should choose carefully. In addition, you can also start investing in ** real estate, but be careful, this kind of project has some specialized knowledge and experience, otherwise it will be counterproductive. In addition, during this period, people have enough social security pensions to start investing in commercial insurance. Commercial insurance is a supplement to social security and makes life more secure in old age.
These are my opinions and opinions, and the individual situation is different, and it should be decided in combination with one's own specific situation. In addition, if you want the elderly to live a carefree life, you must also have a good attitude and healthy living habits. Okay, the next thing is suspense, have you saved enough money for retirement?
None of us know what will happen in the future, so we can only start planning and arranging today. We firmly believe that as long as we do it with our hearts, time will not let us down! Well, that's the end of our course, if you have any questions and queries, you can come and communicate with me!