The first question we should consider is, how much money can we save?
(1) savings income. At the age of 50, I began to prepare for retirement and saved 1 10,000 every year. Suppose you are 65 years old and you have accumulated150,000. According to the compound interest of 4% of annual income, after 15, the principal and interest are about 200,000 yuan. At the age of 65, it is quite remarkable to have such huge wealth.
200,000 yuan, calculated according to the interest rate of 4% generally given by banks and national debt, can bring us about 8,000 yuan in income almost every year. When you are old, it is not recommended to invest in high-risk and high-yield products. Once the investment fails, the pension will be gone.
(2) Pension benefits. If we don't start preparing for retirement until we are 50 years old, it means that we didn't participate in employee pension insurance. Although we have not paid the employee pension insurance, at present, as long as the elderly of school age are included in the pension insurance for urban and rural residents, the payment grade is very flexible. From 100 yuan to several thousand yuan, this is not the standard of monthly payment, but the annual payment of 100 yuan, I believe that almost everyone can afford it. In order to prevent low-income families from being unable to pay, the state directly pays the lowest-grade endowment insurance for urban and rural residents for low-income families.
According to the data released by the rural social insurance department of Ministry of Human Resources and Social Security, the per capita pension benefits of urban and rural residents' insurance in July 20 19 were per month 162 yuan. Of course, the basic pension standard of residents' old-age insurance in each region is different. For example, the standard in Beijing is 800 yuan every month, and the standard in Shanghai is 10 10 yuan every month. Suppose/kloc-can be doubled in 0/5 years, reaching about 324 yuan per month, which is 3888 yuan a year.
If it is two old people, this part of the treatment is 7776 yuan.
(3) child support. In fact, it is generally difficult for parents to ask for alimony from their children. However, in the environment of China, children should really take the initiative to provide certain alimony for parents who have no pension benefits. Money is not necessarily much. Suppose a year is about 10000 yuan. I believe many parents will be very satisfied.
These three parts of treatment can add up to about 26 thousand yuan, with an average of 6.5438+0.3 thousand yuan for each elderly person.
Pension expenditure
First, living expenses. Living expenses are daily. For the elderly, there is no problem with the daily expenses of 1 1,000 yuan. For example, food, tobacco and alcohol consumption, clothing consumption, property water, electricity and heating costs, transportation and communication costs. To tell the truth, there is absolutely no problem with the budget of 2000 yuan for the two old people. However, some interpersonal relationships are difficult to budget.
The second is emergency expenses such as medical security. These expenses are uncertain. Generally speaking, the reserve fund of 200,000 can cope.
Pension dilemma
Generally speaking, the above scheme is very good, but it will encounter a series of pension problems.
First, unexpected expenses. A netizen said that the medical expenses of people in this life are spent in the last few years. It's true. With the growth of age, there will be more and more cases of illness among the elderly. When the elderly are hospitalized, it ranges from 1.2 million to 1.2 million. And in many cases, people leave after spending a lot of money. The money has been spent. What about the rest? If you spend a lot of medical expenses, the interest income will be greatly reduced. Maybe you can only rely on your children to help you.
Second, the pressure of depreciation. Now we look like 200 thousand yuan is a lot. No one can say how much the money will be worth in twenty or thirty years. The 200,000 in 2000 is completely different from the 200,000 now. With the increase of people's income, the purchasing power of money decreases. Many times, everyone's income growth rate is between 8% and 10%, which will depreciate continuously compared with our savings.
Third, children's risks. The child is fine, and I will give you a certain amount of alimony every month. What if the child doesn't deserve it? Some children even care about the old people's pension. When they are old, some old people are easily confused and can't manage their savings well. Some old people will advance their pensions to their children. In this way, when the old people really need money, their children will start to care about each other. This is also a risk.
What is the solution?
The best solution is to participate in employee pension insurance. At present, according to the minimum payment base, almost eight or nine thousand yuan is paid every year. If you retire at the age of 65, you can receive 12% of the average social salary of the previous year, plus a certain amount of personal account pension.
This is actually calculated according to the following national unified basic pension calculation formula, basic pension+personal account pension.
According to the current social wage level, you can also get 800~ 1000 yuan per month. If the social wage increases in the future, the pension will also increase, and it is possible to get 1500~2000 yuan per month.
A netizen said well, as long as there is a pension, even if all our money is cheated, the living expenses for next month will be paid to your account on time. This is the most stable performance of pension.
In order to ensure the living standard of retirees, the state will adjust the pension every year according to economic development, average social wage growth and price changes. People who used to receive a pension of three or four hundred yuan can even receive three or four thousand yuan now. This is beyond many people's imagination.
If you pay insurance, you will generally save 5000 ~ 65438+ ten thousand yuan in medical emergency expenses, which can guarantee a very good old age and basically won't have children.
It can't be said that it is not good for individuals to save money for the elderly, and I have no intention to refute this idea and practice here. However, I think you must understand and understand, what are the three pillars of old-age care advocated by the state?
The first pillar is the country's basic old-age insurance, the second pillar is enterprise annuity and occupational annuity, and the third pillar is personal pension savings plan.
Among these three pillars, the national basic old-age insurance is the most important, which can provide the insured with the most basic living security when they are old, and it is the national social welfare system.
According to a large number of historical data, a normal worker can receive 40~45% of social security salary if he has participated in social security payment for 35 years and the payment base is based on the social security salary level. Now it averages 2000 ~ 2700 yuan per month. This pension level should meet the basic needs of the elderly and not be lower than the social average.
Moreover, from an economic point of view, the average annual rate of return from participating in the basic old-age insurance can exceed 6~ 1 1%, far exceeding the income from ordinary people's investment and financial management.
Therefore, social insurance should be the first choice for individuals to consider a reasonable way of providing for the aged. On the premise of obtaining the basic national security, we will improve the security level through annuities, savings and commercial insurance.
For example, when I was 50 years old, I began to think about providing for the aged, saving 1 10,000 every year. Even if I saved 1000 yuan in10, I can't meet the needs of 15 ~ 20 years.
According to the National Bureau of Statistics—
This means that after 10 years, a person's average annual consumption level may be 30,000-40,000 yuan, or more, and it may increase year by year during the period of 60-80 years. From this perspective, it will take three to five years to save 654.38+10,000 yuan.
If the subject starts to participate in the basic old-age insurance for urban and rural residents at the age of 50, he will pay 6.5438+0.5 million yuan at the age of 60, and the pension may reach 6.5438+0.5 million yuan, and he can receive 6.5438+0.8 million yuan every year until his death. Only in this way can the basic life be guaranteed, and there will be no dilemma of "people are still there and have no money".
Hello, landlord. I began to prepare for retirement at the age of 50. Is it enough to save 65,438+0,000 yuan every year? Can you cope with providing for the aged? I think that saving only 10000 yuan every year to prepare for retirement at the age of 50 is not enough to guarantee the most basic protection for retirement in old age, because we all know that the old-age insurance has to be paid at least 15 years, and the pension benefits can not be received normally until the legal retirement age, so it is obvious that you start to prepare for retirement at the age of 50, and in fact the basic payment period of old-age insurance cannot be reached.
Therefore, for the problem of providing for the aged, we should make plans early, that is to say. Before the statutory retirement age 15, you should set up your own basic old-age insurance account, so in this case. When you reach the legal retirement age, you can retire normally and enjoy pension benefits. Therefore, it is more appropriate to plan the pension in advance 15 years. If you plan your pension at the age of 50, it's actually quite late.
And there is another important problem, that is, it is obviously unrealistic for you to replace social security with savings. Because it earns less interest from your own deposit, in fact, your deposit is in a state of depreciation for you personally. If you rely solely on savings to provide for the elderly, it is impossible, because after all, there will be less and less savings in the future, which is not enough to protect your later life, so you still need to buy social security.
Thanks for reading, please add my attention.
At the age of 50, I began to prepare for retirement. Can you save 10 thousand yuan a year to meet the needs of old-age care? The answer is in the video.
Passerby ant: Talk about social security, commercial insurance, finance and economics, and answer questions professionally. Thank you for your attention.
/kloc-Pension starts at the age of 0/50, which is the legal retirement age for women and 60 for men. At this age, if social security is not involved, there will be no basic social security pension reserve, and men will be eligible for retirement pension if they buy social security pension insurance after 50 years old. If you don't reserve social security pension, it is ok to save for the aged, but social security is compulsory savings and deposits are flexible savings.
The first principle of pension planning is to provide for the elderly first, and then save for the elderly. If you don't do a good job in basic health protection planning, such as basic residents' medical insurance planning, critical illness insurance planning, or medical insurance planning, accident and critical illness insurance planning of commercial insurance, when faced with huge property losses caused by diseases and accidents, no amount of savings is meaningless, because deposits will be consumed.
In the case of basic guarantee, there is no greater risk of financial loss and financial stability. If you save 1 10,000 every year and retire at the age of 60, you can also save 6,543,800+as a retirement pension. If you spend 1000 a month and 12000 a year, you can probably solve the problem of providing for the aged for 10 years. There is no old-age security after the age of 70, but if this savings is turned into social security old-age insurance, then this 654.38+ million will not only increase in value every year. And after the age of 70, you can continue to receive pensions until you die. This is the difference between saving your own money and participating in the social welfare security system.
If you don't pay social security, you will only accumulate 10 thousand in one year in the first ten years of retirement, so it is difficult to cope with the old-age care.
Save 1 10,000 a year at the age of 50, and enter the old-age life at the age of 60, only110,000; If you save 10,000 yuan a year and keep working until you are 70 years old, it will be 200,000 yuan, which is a little capital for providing for the aged, but by the age of 70, you will lose the traditional ease of providing for the aged.
With a pension, I can live a leisurely and focused life in my later years, which is the ancient way of China. Under this method, there must be social security first, that is, pension and medical insurance after retirement; Secondly, it is necessary to have disposable assets as a supplement to old-age care, or children are worth relying on; Third, only when there is no way can you spend the rest of your life in a nursing home. Of course, most people in China don't want to go to nursing homes, which is different from the yearning for nursing homes for some elderly people abroad. This difference sometimes comes from the underdevelopment of providing for the aged, and sometimes from their conceptual exclusion.
China is accelerating its entry into an aging society. Some people who participate in the basic old-age insurance occasionally worry about whether the pension will be stable in the future. China's neighbor, Japan, entered an aging society earlier. There are some things in the life of the elderly in this country that are actually worth thinking about.
The retirement age of the elderly in Japan is about 70 years old. Due to the serious aging and the lack of labor force, the elderly in Japan can often find jobs they can do after retirement. This has three advantages: first, to maintain enthusiasm for life, second, to maintain more contact with society, and third, to maintain a stable source of income.
The Japanese are famous for their thinness and longevity, and the oldest men and women in the world are often kept by the Japanese. Retirement without quitting labor may also be one of the main reasons for longevity.
Of course, old people retire later, and they can find another job after retirement, which requires social knowledge. Because China has a large population, there is no such retirement mode. Many industries are not so easy to find jobs after 40 years old, and they can still have stable jobs after 60 years old.
So whether you save money or not after 50, it is important to participate in social security. At present, the minimum payment period of endowment insurance is 15 years. Even if you didn't pay social security before the age of 50, you can still get a pension by continuing to pay until you are 65. Only in this way can there be a fundamental aspect of providing for the aged. Without fundamentals, doing anything will face great risks.
Hello, I'm 50 years old, and I save 10,000 yuan a year. 100% is not enough to support the elderly.
Even if you can save until you are 65 years old, you can save 6.5438+0.5 million yuan. It takes 500 yuan a month, and it costs 6000 yuan a year. Within five years, all kinds of consumption will not be so obvious. In the next ten years, the interest you deposit in the bank will not be as low as the price increase. I remember that in 2009, it was only 40 thousand to buy a pension at one time. I asked my mother to buy it, and she said, I have it.
It's only ten years now. What did forty thousand dollars buy? At that time, people who bought 40 thousand yuan for old-age care already had the capital and regretted not buying it. Ten years later, when you are 75, you will live to be 85 and 90. This money is really too small.
At the age of 50, many people have thought about preparing for retirement. Including me. It should be no problem to save100000 a year. After all, pension insurance is safer. After buying insurance, wait for your retirement insurance to be paid to your account on time every month. It is also a guarantee for one's life.
Probably not, unless you are in a remote rural area.
At present, the average monthly living expenses in cities are more than 2,000 yuan, 3,000 yuan in big cities and 4,000 yuan in developed cities.
So even in small and medium-sized cities, if you don't have 2000 yuan, you have to spend at least 1500 every month to ensure the expenses needed for basic living. You save 65,438+10,000 a year, and you only save 65,438+10,000 when you retire at the age of 60. It takes 240 months to live to 80 years old, 654.38+ 10,000 divided by 240 months, only 465.438+06 yuan per month, and the average daily living expenses are 654.38+03.8 yuan. How do we provide for the aged?
If you grow vegetables and raise chickens, ducks and geese in a remote rural area, you are self-sufficient, and you can barely live on four or five hundred yuan a month. But in the city, the monthly water, electricity, gas and telephone bills are at least 100 yuan. Unless you reach retirement age, you can still save 10000 every year.
But from a practical point of view, saving money for the elderly means that there is no pension, and you can't pay medical insurance without paying old-age insurance. You can only go to community medical insurance, and the reimbursement rate of community medical insurance is generally 50%, which has many restrictions on hospitals and diseases. But if you are old and have some problems and need to be hospitalized, you have to pay 5000 yuan yourself even if you reimburse half. The living expenses for the past six months are gone. How to live in the future?
No, please save 10,000 yuan for old-age care every year since you are 50 years old. The money is definitely not enough.
According to the retirement age of 50 for women and 60 for men. There is no pension for women to retire, and the principal and interest of men are less than 200,000. Judging from the current average life expectancy of 76 years in China, unless there is a very generous pension, the money is far from enough.
Preparing for retirement should not start at 50, but at a young age. Buy social security and appropriate commercial insurance when you are young, and plan your own direction for old-age care; When you are young, you should also exercise more to keep in good shape for your future; When you are young, you should start to reserve cash for the elderly, and you will hate less money when you use it.
Anyway, how much is enough for the elderly? Aside from the serious illness, spending a lot of money on serious illness may not be cured. Based on the current average life expectancy of 76 years in China, according to the data released by Ministry of Human Resources and Social Security on 20 18, the average monthly pension of retired workers in China is 3 153 yuan. The income is 3135 *12 * 25 = 940,000. The expenditure, together with the original income and the cost of public nursing homes, is about 1.2 million yuan; The gap between the two is around 300,000 yuan.
To sum up, since I was 50 years old, I have saved 10,000 yuan for my old age every year, which is definitely not enough. It is suggested to plan the pension reasonably as soon as possible. According to the average pension level, with 300,000 savings and your own pension, the problem of providing for the aged should not be too big.