As a post-80s, if someone talks to me about retirement 10 years ago, my first reaction is that it’s still early and I don’t need to prepare, so I can enjoy the best of life now.
Today I am talking about pensions, my reaction is imminent, and I need to act immediately.
10 years of experience tells me that there is no plan for retirement, I have not saved any money, my life is still tight, I dare not take a day off, dare not fall sick, etc., so-called enjoy the moment, the moment is also It is not as good as expected, and the pension planning has not started.
Based on the above reasons, I should consider how to plan for the elderly, so that I can live a full old age, no longer bend over five buckets of rice, but do what I want to do. Therefore, I plan for my financial goals Three lines of defense to ensure the continuous cash flow of old-age life.
The first line of defense, social security
Social security deserves to be our first line of defense. I believe that everyone should build this line of defense for their old-age care, although the social security pension is related to our pre-retirement wage level. There is a certain gap, but it is still possible to solve our basic life. At the very least, we are not hungry.
I used the pension calculator to calculate according to my province ( Note: different provinces will be different ), the calculated data is for reference only.
36 years old, has paid social security for 8 years, calculated based on the pre-tax salary of 6,000 yuan, the data is as follows:
The second line of defense, commercial pension insurance
pension insurance, can supplement our social maintenance pension It can be said that social security provides protection for our basic life, and the configuration of commercial insurance can better allow us to maintain the standard of living before retirement without lowering our standard of living. We all know that once we get used to a certain life If the level is lowered, we will definitely be uncomfortable, and there will inevitably be a gap in our hearts. Therefore, my second line of defense is commercial pension insurance.
Personally, I prefer a fixed type of pension insurance (the contract is clearly stipulated), that is, every month or every year, I can have a sum of money into the account, regardless of the impact of dividends or economic cycles.
Taking into account the impact of inflation, I choose an annual premium of 100,000 yuan, the payment period is ten years, and the payment starts at 60 years old. I can receive 70,000 yuan per year or 5950 yuan per month, until life, a certain pension The detailed insurance data are as follows:
The third line of defense, investment and financial management
investment, the understanding of each person is different, some people are good at financial management, and some people fail in investment and financial management. Wait, I belong to the latter kind. I only know a little about investment and financial management. I don’t want to spend too much time on investment, so I choose a more foolish investment and financial management, which is to buy index funds on a regular basis. For long-term holding, the specific operation is as follows:
I will use 1/10 of my monthly salary to buy index funds. If my income is 6,000 yuan, I will put out 600 yuan a month for fixed investment index funds. .
When I increase my salary, I will use 1/2 of the increase to buy index funds. For example, if my salary increases from 6,000 yuan to 8,000 yuan, then my increase will be 2,000 yuan, that is, I will take out 1,000 yuan is used to purchase index funds, which is equivalent to the amount of my purchase of index funds: 6000*1/10+2000*1/2=1600 yuan.
I will hold this part of the investment for a long time and use it for my old-age life without interrupting the investment due to anything.
write to the end
The above is my own general plan for the elderly. I can only say that I can provide a general idea for your reference, because each person's specific situation is different, and there will be gaps in the configuration, such as commercial insurance. What kind of ratio should be maintained between the amount of investment and the amount of investment? When you are young, the proportion of possible investment will be larger, but as the age grows, the proportion of possible investment will decrease, and so on, we should all consider matter.
In summary, I have set up three lines of defense for my retirement planning,They are:
first line of defense, social security;
second line of defense, commercial pension insurance;
third line of defense, investment and financial management.
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