When chatting with friends, I also talked about why young people nowadays don't want to get married. The friend said, "Why not get married? Because I have read books, I am sensible and thorough. You can make your own money, entertain yourself, have friends and family, and have no worries when you are old and dead. There are too many reasons. " Now everyone is still young and has their own independent thoughts, but when they are old, their physical fitness will be poor, even if it is serious, it will be difficult to take care of themselves. At that time, how could you live a decent life in your later years without a wife and children? Let's talk about how to support the elderly:
1. How much does it cost to provide for the aged?
2. Is social security for the aged feasible?
3. How to plan for old-age care?
1. How much does it cost to provide for the aged?
How much will it cost to provide for the aged in the future? Some experts once thought that it was almost impossible without 6,543,800 yuan. Others say that in first-tier cities such as Beijing, Shanghai, Guangzhou and Shenzhen, it may not be enough to prepare a pension of 6,543,800 yuan. So how much does it cost to support the elderly?
If you want to retire at the age of 60, you will spend 2000 yuan every month after retirement. According to the average life expectancy of 80 years, it needs 2,000 yuan×12× 20 = 480,000 yuan for providing for the aged. If you are healthy and happy, and live to the age of 100, you need a pension of 2,000 yuan ×12× 40 = 960,000 yuan.
If you are in a first-tier city with high consumption, suppose the monthly living expenses are 4,000 yuan, and you need to save 20 years' pension when you retire from 60 to 80, which is 4,000 yuan × 12 months× 20 years = 960,000 yuan. If inflation is included, more pensions need to be prepared.
Second, is social security for the aged feasible?
Social security is one of the basic conditions for providing for the aged in our country, especially employee social security, which accounts for a large proportion in major companies. So is it feasible to support the elderly only by social security? It's hard.
If the social security has been paid for 15 years, the average social wage level in first-tier cities will be higher and the pension will be relatively more. However, because employees will be paid by the company, the company generally pays according to the minimum payment base to save costs. If you only pay 15 years, it is difficult to get a higher pension, mostly around 1000 yuan. If the average social wage level is low, cities may not be able to reach it. If you pay endowment insurance as a flexible employee, then the payment amount is too high, and generally you will choose a lower payment base. In the end, it is not enough to rely solely on pensions to support the elderly.
Third, how to plan for the elderly?
How should I plan my own pension?
1. First, make preparations in advance.
Planning for the elderly is a long process. Make plans for yourself as early as possible, and the earlier you prepare, the more fully you can prepare. For example, young people nowadays don't want to get married and have children, so they can prepare for their old age from now on. You can purchase commercial endowment insurance to supplement the original social endowment insurance. Double security can make life easier in old age.
2. Calculate the pension expenditure.
To calculate the cost of providing for the aged, we must first clarify three questions: How long is the life span? When will you retire? What kind of life do you enjoy after retirement? After figuring this out, you can make a rough calculation and start to reserve funds for yourself.
After that, you can pay the old-age insurance in a planned way to make full preparations for the future old-age life.
Step 3 buy a house
It is very important for the life of the elderly to have a house of their own. When you are still young, you should start trying to find a small home and a comfortable living environment for yourself. At the same time, you should plan for yourself when you are old. And for wealthy families, buying a second house has become a very important means of financial management. After buying a house, families can rent out their rich money to get rent, and even some families can borrow money to buy a second suite. This is nothing new, but to make plans for future pension while earning rental income.
4. Financial management
Common financial insurance includes dividend insurance, universal insurance and investment-linked insurance. The biggest feature of this kind of financial insurance is the coexistence of insurance financial management function and guarantee function. In other words, financial insurance not only provides protection for the insured, but also provides certain capital income for the insured.
Four. abstract
Finally, no matter whether you get married or have children in the future, you should start old-age planning as soon as possible. Think about yourself. When we are old, we can live a decent life without too much burden on our families. If you are still confused and don't know how to buy insurance, you can consult a professional and excellent insurance broker. Because professional insurance brokers will make a comprehensive evaluation and tailor the plan according to your problems and needs, Baibaojun has a professional and powerful insurance team to match the exclusive consultant that suits you best. Baidu searches for "Baibaojun" to provide you with more professional insurance.