The poor are poor, the rich are rich

Chapter 69 1 Plan ahead, don't count on retirement

Chapter 15 Entering old age - who will pay for you in retirement

Chapter 151 Plan ahead, don't count on retirement

At the age of 30, you seem to feel that the word retirement is still far away.Maybe you think you are still so healthy; maybe you are still joking with your friends and have not considered getting married; maybe you don’t have to bear the shackles of the family; maybe you and your lover at the age of 30 can choose not to have children and become a DINK family, but we No one can erase the traces of the years, and no one can avoid the issue of pensions.In a blink of an eye, you will be 60 years old.

There was such an interesting scene on TV: On the golf course, the 110-year-old Mrs. Mai swung the club, but she couldn’t find the ball. Finally, she found that she had made a hole in one stroke, which broke the relationship between herself and others. A 101-year-old record for a hole-in-one!Looking at the old lady's bright smile and dark and healthy skin on TV, the audience will probably feel envious. How can she live such a leisurely life? After all, golf has always been an aristocratic sport. Maybe she has a lot of real estate and is now collecting money. Living on rent, maybe she prepared a lifetime of wealth in advance when she was young, maybe inheritance... Actually these are not important, what is important is how our generation will provide for the elderly, and what kind of retirement life do we expect?What can we do to ensure that we have a stable old age life?
To give an example: Mr. Chang’s family’s monthly income after tax is 1.3 yuan. Both husband and wife are 30 years old. About 5000 yuan), the necessary expenses for the normal life of the two (including necessary expenses such as food, drink, transportation, clothing, communication, water, electricity and gas at home) is 6000% of the monthly net income, and the monthly balance is 8000 yuan.

Assuming that both parties retire at the age of 60, they need to maintain 25 years of retirement life.In order to ensure the current standard of living, the expenses in retirement should be at least 70% of the current ones, so he needs 159037 yuan a year and the total living expenses for 25 years after retirement is 5798361.Inflation increases at 3% per year, and wages before retirement also increase at 3%, so the total annual balance at retirement is: 3057767 yuan. If you want to spend 25 years of retirement with peace of mind, the gap will reach 274 million!Of course you will say, we still have social security.But can social security really fill the gap?Even if social security can make up for this gap, have you ever thought about whether meeting your own necessary expenses is the good life we ​​want?We want to go to see the scenery at home and abroad, and we also need entertainment and other expenses to improve the quality of life. Moreover, we may be sick, and we may be unemployed at a certain period before retirement, and the monthly balance becomes unrealistic.Therefore, we must reserve enough funds for retirement in advance!Here are six shortcuts you can use to achieve a life of leisure like Mrs.

1.Pension insurance in social security

Still like Mr. Chang’s family above, according to the trial social security system in Beijing in 2006 (Guo Fa [2005] No. 38 document), if the minimum payment period is 15 years, the payment will start from working in 1999, and the pension will be received when he retires. Mrs. Jiang made an appointment 2600 yuan, about 3700 yuan for Mr. Chang, and about 6300 yuan for the two of them when they retired.

From the formula for receiving pensions at retirement, compared with the current monthly expenditure of 7800 yuan plus 3%/year inflation, social security pensions alone are not enough.

2.company annuity

At present in our country, the "Enterprise Annuity" system, which is a standardized enterprise supplementary pension insurance plan, was implemented on May 2004, 5.Before this, many enterprises, especially large and medium-sized state-owned enterprises like State Power Corporation, had already established such a system. In 1, Lenovo Group obtained the enterprise annuity batch number No. 2006.Specifically, when an enterprise annuity council is established in an enterprise, and the unit and individual sign an individual contract, the enterprise annuity should be paid to employees who have worked for 0001 or more than 5 years.For example, according to the standard of 10 yuan for ordinary employees and 500 yuan for executives after retirement, and during the working period, the unit and the individual pay the fee at a ratio of 1000:1, or the unit and the individual negotiate the payment ratio.Enterprise annuity seems like a "pie falling from the sky", but the necessary prerequisite is that you work in a company that is willing to pay enterprise annuity for you, and you must work for a certain number of years.This free pie is not available to everyone. If you work in a company with good performance and are an executive, this kind of pie will hit you. After all, "enterprise annuity" is a way to motivate company employees Way.However, there may be loopholes in the supervision mechanism of this kind of pension insurance plan. When the enterprise fails to operate or closes down, the pension insurance funds may still be lost.

3.business insurance

With the increasing diversification of insurance products, we can not only choose a kind of commercial insurance to assist retirement, but also use a variety of commercial insurance combinations to purchase.At present, there are many types of insurance under the banner of pension insurance. There are four main categories, namely, traditional pension insurance, dividend pension insurance, universal pension insurance, and investment-linked insurance.So, how do we choose?
In practice, the above insurance combination scheme can be used to meet the individual needs of different customers.For different customers, risk attitudes and actual risk tolerance are different, and the combination of endowment insurance schemes is also different.

For example, in the family of Mr. Chang, who is 30 years old, both parties have stable careers, have a positive attitude towards the risk of the financial management portfolio, and have a strong actual risk tolerance. If the pension insurance portfolio is used to prepare for the pension, the suggested allocation of funds is as follows: Invest Investment-linked insurance funds account for 70% of the monthly balance (for example, more than 60% of active accounts invested in stock funds, decreasing with age; 40% of stable accounts invested in bonds, increasing with age), The other 30% is invested in dividends or pure pension insurance.In this way, while supplementing endowment insurance, you can enjoy certain family protection, such as main insurance life insurance or additional accident insurance.

People who use insurance for retirement must first agree with the concept of insurance.Insurance can play a role in compulsive savings for those who do not have the habit of saving. For example, investing a bonus at the end of the year in universal insurance, which can be withdrawn flexibly, is also a good financial management method.

4.Invest in financial assets

At present, in my country, there are many financial products that can be invested, including fixed-income deposits, capital preservation funds, and government bonds, as well as products whose risks and returns are proportional, such as stocks, funds, warrants, futures, and so on.In the face of complicated products, it is not easy to choose a financial tool that suits you. Here, we only focus on funds to explain how fund portfolios are suitable for investors with different risk tolerance.

The fund has the advantages of "expert financial management and risk diversification", and is suitable for the following types of people: people who have money but no time; people who have money but no investment knowledge and technology; people who do not want to spend time and energy researching investment; Investors who can only have a balance of [-] yuan (such as regular fixed investment).According to the different risk preferences and risk tolerance of customers, the portfolios of alternative investment funds are also different. In the specific operation, we should also pay attention to the capital ratio of different funds.

In Mr. Chang’s family as above, if a certain fund portfolio can be allocated, the pension gap of 274 million can be supplemented under the condition of taking appropriate risks.Assuming that the average annual rate of return is 30% in the 5 years before retirement, then at least 4.12 yuan should be invested every year, and an average of 3500 yuan a month should be invested in funds; and if the investment return can reach 30%, then at least 8 yuan should be invested every year, and an average of 2.42 yuan a month should be invested in funds.Therefore, the focus of pension investment is to make plans early, and the rate of return should be as high as possible, so as to complete the "golf" style leisure pension.

5.buy real estate
With housing prices soaring, many people are busy borrowing money to buy houses for investment, hoping to make a fortune by reselling them. It was not until the 5.5% business tax was introduced that the real estate speculators refrained a little.However, housing for the elderly is also a good way. A woman bought a one-bedroom apartment near her community ten years ago to take care of her parents. A few years ago, her parents passed away. She wanted to sell the house but couldn’t find a suitable buyer. She later rented it out. Because it is close to the subway, the rental income can reach 2000 yuan per month, and tens of thousands of income in a year.She herself said, maybe it was my parents who wished me that this house could also be used as a pension in the future, and there would be a lot of income from selling and renting it.

6.Collection of artwork, antique calligraphy and painting, porcelain, stamps, ancient coins, tea, etc.
In May 2006 in Beijing, at the Badachu Spring Tea Boutique Auction, 5 grams of white tea paste from Beijing Wutong Guild Hall sold for a sky-high price of 100 yuan.Tea paste is a tea-making technique of the Song Dynasty, known as Yuchan paste. The tea-making process of the Song Dynasty has only recently been deciphered. White tea is used as a raw material to make brown, soft tea paste. At present, this technology is the first in China.There are many types of tea involved in this auction, including Dahongpao, Puer tea, Lu'an Guapian, Taiping Houkui and so on.Those bidders and tourists who love tea culture can drink tea and enjoy life at the same time, and at the same time, have an additional tool for the elderly, why not do it?

(End of this chapter)