A distant relative of his hometown, although without old-age insurance, has been working outside the home and accumulated 350 thousand before retirement. Usually, children bring their grandchildren home and give them lucky money and pocket money, which makes the family happy.
Although the children will also give money to the old couple, the old couple proudly said every time: "No, it is not easy for you to live outside. My parents still have some money, just enough. Although we are old, we never add life pressure to our children. "
Although the old couple have little culture, they are quite good at managing money. 250 thousand is used for time deposit. They call this "life-saving money" unless it is a life-saving event. Another 6,543,800 yuan, the old couple set themselves an annual limit of 20,000 yuan.
This is the plan of the 20 thousand old couple.
1. Set aside 15000 yuan for basic living (usually, you don't buy high-end clothes, and the food is just one meat, one vegetable and one soup).
2. Another 5,000 yuan is used as the travel fund for the old couple (that is, traveling with a group when playing activities).
Now many people in my hometown envy the old couple. Why? Some people have never even been to Beijing, and the old couple almost played half of China. Needless to say, they are getting better and better when traveling, and they are in a good mood every day.
Lao Zhang, a retired colleague of the company, has a pension of less than 3,000 yuan and no savings. Why? I paid a down payment for the child. Although the couple have dual jobs and both have pensions, their wives' money subsidizes their grandchildren.
The couple scrimped and saved every day. Buying an egg will save money, because the supermarket is holding activities. They got on the bus early in the morning and were once squeezed. The hospitalization alone cost a lot of money.
The grandson goes to school, and the couple are also responsible for picking up and cooking. No wonder when I retired, Lao Zhang said that I had worked all my life, working for my unit when I was young and working for my children when I was old.
In this way, the old couple are afraid of their own minor problems every day, thinking that every time they get sick, their grandchildren can't help much.
Back to the topic, whether you have a deposit of 300,000 yuan or a pension of 2,000 yuan, as an elderly person, there are several things you have to consider.
1. No matter how much money you have, you should leave some pension for yourself.
2. Having raised a child for a lifetime, it's time for the child to admit his responsibility in life and let it go.
As the saying goes, home is always a treasure, and good health means providing for the elderly.
4. Travel if you can, but go to the park if you can't. Only when you feel relaxed can you really support the elderly.
I hope my answer can help you, thank you:)
It seems that there is no need to choose this thing at all. Of course, it is more comfortable to save 300,000 yuan for the elderly.
When it comes to whether a deposit of 300,000 yuan is better or a pension of 2,000 yuan, we must first make a numerical comparison, that is, a simple value comparison.
If you have a monthly pension of 2,000 yuan, that means you have a pension of 24,000 yuan a year.
This figure looks great, but there is still a big gap compared with 300 thousand yuan. Where is the gap? About 12.5 years. How is this 12.5 year calculated? It's 300 thousand divided by 24 thousand a month
Do you think this is the end? No, if we deposit this 300,000 yuan in the bank, and it is a time deposit, the income it brings is also very considerable.
There is no need to calculate specific values. Simply put, 300,000 yuan can continue to appreciate. How to appreciate it varies from person to person.
Next, we need to talk about the non-digital comparison link, which is the emergency problem of deposits.
But understand that once you are 60 years old, you are likely to have problems of one kind or another.
Here, there is no contempt or some emotions involved. Simply talking about people's physique is easy to go to extremes after 60 years old.
There is no way. After all, before the age of 60, everyone has the capital to work hard. After the age of 60, you must pay attention to health.
For some people, they may start health care at the age of 30 and 40.
After the age of 60, if someone falls, if there is a minor illness or any serious illness, those 2,000 yuan pensions will not work.
And if you are seriously ill, this 300,000 deposit is likely to be your own life-saving money.
Comparatively speaking, we prefer to have a deposit of 300,000 yuan instead of receiving a pension of 2,000 yuan per month.
If it were me, I would choose to have a deposit of 300 thousand, which would make me live freely and actively.
Let's look at a real example first.
Grandpa used to work in Lushan Construction Company. When he retires, he faces two choices in pension:
Grandpa didn't choose to get a fixed salary like most people at that time, but got back 300 thousand at one time. For this reason, many people were puzzled by Grandpa's practice, and Grandma had a big fight with him, but he still chose to get back 300,000 yuan. After 20 years, my grandparents' lives have not been affected because they can't get a fixed salary, but they have lived a very stable and happy life. Grandpa is often very proud of his long-term vision.
4. Investment: Some people get back 300,000 yuan at one time and keep tens of thousands for themselves. Others invested in a reliable enterprise, which made Qian Shengqian earn more than 654.38+0 million in recent years! Really a big winner in life.
My uncle is 58 years old and his retirement salary is 2300 yuan in January. Aunt is 55 years old and has no pension. The old couple have been thrifty and have saved 200,000 yuan. When my uncle retired, he said that he would spend more than 90 thousand old-age insurance for his aunt at one time, and he would receive more than 800 pensions every month, increasing a little every year.
Aunt is distressed that it is not cost-effective to spend so much money at once, and this matter has been stranded. The old couple put their savings in the bank for three years and earned more than 20 thousand interest. The money just expired years ago, and the old couple haven't figured out what to plan next. Who knows that the epidemic is coming, the old couple have money in their hands and don't panic. Now my aunt wants to understand that once the epidemic is over, she will buy a one-time endowment insurance. I believe in my country, and I believe I can live another 30 years. She said that the money in her hand is getting less and less valuable, and the pension is still needed. I don't have a bottom if I don't get paid.
One or three hundred thousand savings for the elderly, money will become less and less valuable.
Since 300,000 deposits are pension money, then capital preservation is definitely the most important. It will not choose high-risk investment, and the rate of return is relatively low. 300,000 yuan will be deposited in the bank for three years. If the ordinary term is selected, according to the benchmark interest rate of 2.75% of the central bank, the interest for three years is: 300,000 * 2.75% * 3 = 24,750. Interest is more than 8 thousand a year, and now the cost of living is high. It is difficult to support a month's living expenses with interest of more than 8 thousand. If the principal is used, the money will become less and less valuable. For example, my aunt said that if her savings were only in the bank, she could now live on her uncle's pension. If my uncle left early, he would have no salary, and his savings would be less and less valuable.
Second, there will be more and more pensions of 2000 yuan in January.
A pension of 2,000 yuan in January, 24,000 yuan in one year and 240,000 yuan in ten years. After twenty or thirty years, the pension will increase a little every year, and there will be more and more money. Aunt said that even if I live for 10 years, I will get back the principal of my one-time purchase of endowment insurance in less than 10 years. The next 10 years will be the money I earned. If I can live for 30 years and my pension keeps increasing, this money can also guarantee my basic life.
To sum up, in the long run, a savings of 300,000 yuan and a monthly pension of 2,000 yuan will make you feel more secure and have a better life.
Before I put it aside, I must think that a savings of 300,000 yuan is better than a pension of 2,000 yuan per month. But after really experiencing the real people around me, I feel that it is not as good as a pension of 2,000 yuan per month.
Friends' parents and parents-in-law are like this:
His parents used to do business. After decades of struggle, I am now nearly 60 years old and should have reached the retirement age. However, because there is no retirement salary, although my children are married, they are facing various pressures such as mortgage, pension and children's education. I have worked hard all my life and only saved hundreds of thousands of pension money. To this day, I am still trying to make money and help my children reduce the pressure of life. Suddenly one day, one of the old people was seriously ill in hospital. In order to treat the disease, he spent hundreds of thousands of savings in a short time. Because of illness, the old couple can't continue to do business to make money, cut off the source of income and increase the burden of their children's old-age care.
His parents-in-law retired from a small business. When I first retired, the pension was really small, about one person 1000. Compared with his parents, business was really good at that time, earning hundreds of thousands a year, which really seemed to have no advantage. However, we should know that pensions will rise with the continuous adjustment of national policies. Up to now, although the old couple's pension has not risen much, they can earn thousands of dollars a month, which can be described as "drought and flood protection." Children get married and get a pension. In addition to social security, they saved money and bought commercial medical insurance a few years ago. Although it is not enough, it is more than enough. At least there is no stress in life, good health and security, and you can save some money to help your children. It is said that their retirement wages will continue to rise.
Judging from the previous case analysis, it is more comfortable to get a pension of several thousand yuan a month than to live with a deposit of 300 thousand.
A savings pension of 300,000 yuan and a monthly pension of 2,000 yuan are not simple numerical comparisons. In particular, many young people are calculating an account, which is more important, and how to plan for the elderly.
At present, the mainstream pension methods mainly include pension insurance, commercial insurance, personal investment and bank savings, but which one is more cost-effective, can be analyzed as follows:
If the monthly deposit is 1.500 yuan and the continuous deposit is 15 years, the total deposit is 270,000 yuan. Deposit 1500 every month and then withdraw money at a relatively fixed amount, which is a "fixed job and two conveniences". The interest rate is relatively low, so it can't outrun the price (inflation). If calculated according to the national average pension level of 2362 yuan in 2065, it will take about 9 years and 5 months to withdraw money from 438+2007.
According to the payment base of 100% of the average monthly salary of employees in Shanghai in 2065438+2008, employees need to pay 10.5% of social insurance every month, that is, 822.36 yuan, including 626.56 yuan of endowment insurance.
Assuming that the average monthly wage of employees increases by 500 yuan every year in 15 years, the average social wage after 15 years is 14832 yuan. /kloc-Accumulated payment of endowment insurance within 0/5 years:
7832 * 100% * 8% * 12+8332 * 100% * 8% * 12+...+ 14832 * 100% * 8%
Personal account pension = accumulated savings in personal account ÷ calculated months =163180.8 ÷139 =1173.96 yuan.
Basic account pension = (average monthly salary of employees in the previous year+average monthly payment salary of myself) ÷2*( 1%× payment period) = (14832+14832) ÷ 2×15% = 222.
Assuming that employees reach retirement age after paying social insurance 15 years, according to the corresponding calculation methods of basic pension and personal account pension, the monthly amount they can receive after retirement is about 3398.76 yuan.
Assuming that employees reach retirement age after paying social insurance 15 years, according to the corresponding calculation methods of basic pension and personal account pension, the monthly amount they can receive after retirement is about 3398.76 yuan.
According to the report of Statistical Bulletin on Health Development in China in 20 17 issued by the National Health Commission, the average life expectancy in Chinese mainland is 76.7 years. Let's compare the difference between bank savings and endowment insurance:
People who choose bank savings for the aged need to pay 1500 yuan every month. The payment of social insurance is 822.36 yuan, of which pension insurance is 626.56 yuan, increasing year by year; In 2005, the monthly payment was 1557.36 yuan, of which endowment insurance was 1 186.56 yuan.
If the insured (depositor) starts to provide for the aged at the age of 60, neither of them will calculate interest. Those who choose bank savings for the elderly can receive 2362 yuan per month, and the collection period is about 9 years and 5 months; People who choose social insurance receive 3398.76 yuan per month, and the receiving period is about 65438+8 months in 2006, with an annual increase of about 5%.
Bank savings pension receives account balance and interest, and cannot withdraw money after withdrawal.
Endowment insurance is compulsory by the state and protected by law, and the pension collection period ends with the death of the insured.
Nowadays, many young people don't pay attention to social security, mainly because they think it takes a long time to pay social security, and they have to pay 15 years of social security before they can get a pension. Take medical insurance for example, women need to pay for 20 years continuously, and men need to pay for 25 years continuously before they can enjoy medical insurance after retirement. But comparing the above methods, we will find that the benefits of saving money for the elderly and paying social security are obviously much higher.
However, if parents did not buy social insurance in time before, as children, they must buy some commercial savings pension plans for their parents, so as to nip in the bud, do what they can now and reduce the burden for the future. Similarly, commercial medical insurance and critical illness insurance can not be ignored. In the face of illness, these can drag down a family in minutes.
Someone asked, who is comfortable with the savings of 300,000 yuan and the retirement pension of 2,000 yuan per month? Different people will have different answers to this question. Personally, I think that if you want to live comfortably, you can't just care about economic conditions, you need more important things.
1. Comparison of two pension schemes: 300,000 savings pension and 2,000 yuan monthly retirement pension.
It is certainly unrealistic for people of this age to do financial management or investment. They can only deposit 300 thousand in the bank. According to the uncertain interest rate of certificates of deposit, the interest is about 36,000 yuan, and the monthly interest rate is 1000 yuan, which is obviously a little less. If the principal is used, according to the minimum living standard of 2000 yuan, the principal of 300,000 yuan can be maintained for 15 years. If you use the principal, there will be no guarantee for your future life.
2,000 yuan retirement pension, although a little less, will not be interrupted, as long as alive, the country will have pension protection; Comparing the two pension schemes, I am still willing to choose the latter, which costs 2,000 yuan per month, because it is practical and stable, and I don't worry about eating and drinking.
Second, with 300,000 old-age savings and 2,000 yuan monthly retirement pension, which one lives comfortably?
(1) What is the comfort we seek? Comfort is what we often say. This is a feeling, a sense of belonging that can be satisfied and practical; The main pursuit is psychological or spiritual needs, a state of mind or a natural state of our lives, and a psychological satisfaction.
(2) Different people have different answers to comfort. Some people are rich and still can't live a comfortable life. Some people feel that life is comfortable, everything goes well, and living and working in peace and contentment is comfortable; Others feel comfortable having a house, a car, a wife, children, savings, eating, drinking and traveling every year. Therefore, the pursuit of the highest level of comfort should be contented and carefree.
(3) Who can live comfortably with a savings of 300,000 yuan or a retirement pension of 2,000 yuan per month? If you only choose either of the two pension schemes economically, you will not be very comfortable, because this little money can only maintain a basic life. If these two pension schemes are combined into one, one person can probably cope with the pension.
How can a person live comfortably in his later years? Eating and drinking is only one aspect, and more importantly:
(1) Have your own life, do what you like, do what you want, read, write, play chess and dance;
(2) Family life is happy, children are filial, and children and grandchildren are full;
(3) Have a healthy body, be able to travel, broaden your horizons and support yourself;
(4) Happiness is the most important thing, peace of mind, and living comfortably with little money.
The above is the answer to which one lives comfortably: a 300,000-yuan savings pension or a 2,000-yuan monthly retirement pension. It seems that this group has certain universality; To live a comfortable life, we can't just talk about economic conditions. More importantly, we can live happily every day, and we can live comfortably even if we don't have enough material life!
You can eat empty mountains when saving for the aged, and the pension is endless. Of course, you choose to support the elderly.
If the monthly expenditure is 2,000 yuan, a year is 24,000 yuan, then the principal of 300,000 yuan can last less than 13 years. That is to say, when you are almost 73 years old, you will face the problem that you have no ability to make money, but your pension is gone. This kind of life should not be considered comfortable.
300 thousand, if you say more, you mean less. If it is not managed reasonably enough, there may be some other problems. For example, unplanned consumption, loans, or other uncertain things happen and spend the money, which means that there is no pension and you need to continue working to support yourself. I don't think it will be very comfortable.
2000 yuan is not much for many people, but its advantage is that as long as people are alive, there is a sum of money waiting for you to spend every once in a while every month. It doesn't matter even if it takes a month. There is still a sum of money waiting for you next month, don't worry at all. This kind of life should be more comfortable, after all, there is no psychological pressure.
It is recommended to buy social security pension or other pension products to supplement your pension. You have food in your hand, don't panic!
I have a relative who was laid off and became a laid-off worker five years ago because of poor unit efficiency. Because they all worked in a company before, the company paid social security to employees in full. After being laid off, he stopped paying social security because he had no money to continue because of life difficulties.
I set up a stall in the market, opened a small shop and started a small business. After earning some money for several years, I was asked to help the Social Security Bureau pay the old-age insurance and receive the basic pension after retirement. I asked her: "More than 300,000 banks are not allowed to pay interest, and what kind of endowment insurance can they pay? They can only get 2,000 yuan a month." She said, "Now the bank interest is not high, and it is difficult to support a month's living expenses by interest alone. If you take out the principal, then use less, save money and pay endowment insurance. You can't earn money when you are old, but you can get at least a basic pension every month to ensure a basic life. You don't have to worry about how long you can live. "
It can be seen that a monthly pension of 2,000 yuan will be more comfortable than a savings pension of 300,000 yuan for three main reasons.
First of all, from the perspective of daily life.
For most people, after retirement, the social circle is reduced, the consumption of human feelings in all aspects is greatly reduced, and children can work and stand on their own feet. It's just that their daily living expenses are not very high, and their monthly living expenses are only 1000 yuan.
And after retirement, many people are in good health and can't be idle. They all found jobs within their power and earned extra income. Plus their monthly pension of 2000 yuan, they can still have some savings. When you are too old to work, the life of saving for the aged will not be very comfortable, and the more you live, the more cost-effective.
However, if you save 300,000 yuan for retirement, plus the annual interest income is about12,000 yuan, you can spend about10,000 yuan of interest every month, barely maintaining your living expenses. With the savings of 300,000 yuan, it is obviously not enough to rely on interest alone, but also to consume the principal, so the principal will be less and less, and the interest will be less and less. It can be calculated that the actual monthly expenditure simply does not reach 2000 yuan. Taking the average life expectancy of 77 years in China as a reference, by the tenth year, the deposit of 300,000 yuan will only be about100,000, which is only enough for five years. It can be said that there is no money around the age of 75, and there is no guarantee for future life.
Second, physical condition.
With the growth of age, people's physical function has declined, and the physical quality of the elderly is not as good as before, so it is inevitable to get sick. Obviously, the medical expenses in our country are very high now. However, employee medical insurance can reimburse 70-80%, which can minimize your expenses and relieve your own pressure.
If you deposit 300,000 yuan, you must bear all the expenses yourself. Originally, they struggled to maintain their daily life, but later they spent half of their savings to treat diseases. What can you take in the second half to ensure your survival? Why do people often say "Don't get sick if you have anything"? Now the hospital simply can't afford to live, and it costs a lot of money.
Third, there is room for appreciation.
Pensions are guaranteed by the state and paid regularly every month. With the dynamic adjustment of prices, pensions will increase every year, and more and more money will be collected every month. Receiving a pension, enjoying perfect social and medical security, and other welfare benefits such as the right to funeral expenses issued by the state can solve the worries of retired workers, reduce the burden on their children and solve the basic living problems of the other half.
If you choose to save 300,000 yuan for the elderly, the money will be less and less, and the risks brought by old age will be borne by yourself. If you die of illness, your wife's support will also become a problem.
To sum up, from all aspects, a monthly pension of 2,000 yuan will be more comfortable than a savings pension of 300,000 yuan.