In the past, there was an old saying in China: "Raise a child to prevent old age", and now the concept has changed, raising a child can't actually prevent old age, and raising a child is not for preventing old age. Raising children is for the continuation of their own genes, the child he is an independent individual, when he is an adult, in fact, should have a free life and soul, should not be for our old age shackles for life.
So the old age is still to rely on their own, the second half of life to how much family property can be enough? This question is really a matter of opinion. For an old man living in the countryside, and a person accustomed to the sound and fury of life, the difference is unimaginable. So it can only be considered as a compromise.
How many years after the age of 50 do you need to protect your food and clothing? Let's just take 100 years old to calculate it, although usually, there are not many centenarians, but out of the good life expectations, since the first 50 years as the first half of life, the second half of life is full of a 50 years. Then you will find that in fact, life has a long way to go ah, need to arrange the funds may be far more than expected.
Before we were minors, basically rely on their parents, in fact, rely on their own to support themselves just 30 years, and the second half of life to support themselves will have to ensure that 50 years, the pressure is even greater, this pressure is also reflected in the level of inflation is rising, the latter three or five decades of the purchasing power of the currency is much lower than the first 50 years, and if we are engaged in just general work, the more later, relying on the labor to earn income becomes less and less, then we have to rely on experience and property income.
Then I'll take the national average, which is 19,853 yuan per capita consumer spending in 2018, an increase of 8.4% in nominal terms over the previous year, and 6.2% in real terms after deducting the price factor. Assuming the next 50 years, if the annual expenditure grows by 8.4%, then the money needed in the future is too much for me to calculate. Then let's just calculate the minimum, the future only need to maintain the basic consumer spending, assuming that the future CPI growth rate are maintained at the level of 3%, this level to calculate the annual incremental expenditure.
This calculation, the next 50 years, according to the level of per capita consumption expenditure, you need to prepare 2.24 million dollars is enough. Assuming you don't have to count that far, just to age 90, you would need $1.5 million. If you lose the ability to work for a profit after age 60, you still have 10 years to save up and plan your finances at the same time.
If you have 2 million dollars now, you can basically manage your basic life, and it's not a big problem, because I calculated the consumption growth rate of 3%, and if you deposit a large amount of certificates of deposit in the bank, you can get a 4% interest return, and the interest return can cover the consumption growth.
But the crux of the problem is that my calculation of future basic spending according to the 3% growth rate is obviously too conservative. The future is always unpredictable, how the purchasing power of money changes, and how the economic model changes in the future, which no one knows. So it is simply impossible to calculate precisely how much money will be needed in the future. However, as we get older, socialization costs decrease, some spending is already intentional, and consumer spending in the second half of life may not be as frightening as we think.
Overall, to do the second half of life planning, continue to make money, continue to manage money, and strive to run through inflation, plus buy pension insurance, medical insurance, rainy day, can do these, even if worried about what is the use? Live well in the present, do not fear the future on the line. Decades ago, people are not living well now? I believe that the future will be better than the present.
Hello friends!
People reach the age of fifty, generally have a set of real estate, have a pension and health insurance, and then have a million dollars in savings, basically the second half of life is enough. As long as you make a safer financial management of 1 million, as long as it is more frugal basically enough. Here's how to analyze it.
1 million to do a safe financial
1 million can do a safer financial, you can choose to invest in savings bonds, large certificates of deposit, or private bank deposits, these products are more safe and reliable.
Now the savings bond 3-year annual interest rate of 4%, savings bond 5-year annual interest rate of 4.27%.
The interest rate for 3-year large certificates of deposit starting from 1 million is now 4.125% per annum for large banks and 4.2625% per annum for small and medium-sized banks.
Now private banks are also relying on the network to issue a lot of new deposits, these deposit products with higher annual interest rates, there is now a new deposit product with an annual interest rate of 5.8%, and another product with an annual interest rate of 5.68%. There is also a five-year product with an annual interest rate of 5.2%, which can be paid monthly.
If you have a million dollars, you can get 52,000 dollars a year in interest by depositing a five-year deposit with a private bank that pays interest monthly. This looks like enough to spend if you are more frugal.
The annual interest of 52,000 yuan plus pension is enough to spend
In general, if there is a house, and there is a pension, if you are more frugal, then a year of 52,000 yuan interest plus pension is enough for you to spend.
Generally speaking, a month of water, electricity, gas, heating and property costs, about 800 yuan, 9600 yuan a year.
Each month to eat, monthly rice, flour, oil and vegetable money, etc., if you cook for yourself, 1500 yuan a month is also enough to eat quite well, so that you need 18,000 yuan a year.
There are also clothes, about 2000 yuan a year is almost the same.
Other emergency spending, 21,000 yuan a year.
In this way, about 52,000 yuan a year plus the pension is basically enough to use, emergency spending if you can not spend all the money can continue to save.
It can be seen that if you are healthy and have a pension, then if you are frugal, you can live a better life by relying on the interest of the 1 million deposits plus the pension.
In summary, if you're 50 years old, have a house, and a pension, and then have a million dollars in savings, this is basically enough to spend the rest of your life.
Thanks for reading!
I think it depends on the person, how much is enough? I don't think there's really a specific number, if I had to say 10 million. Everyone should have more in mind, the more the better! Some people have more than 100,000 deposits at the age of 50, some people have millions of deposits, and others is a normal life, the end result is to face a handful of yellow sand.
I want to say something here, is a very real thing in life. Our village has 28 families, now more than 50 years old, there are 23 people, each family's land is about the same, or about 12 acres, more than one acre or two acres, less is one acre or two acres. All rural farming can have how much savings, to be realistic, a person can save 100,000 yuan that already want to be pretty good, as far as I know the real deposit is only a few tens of thousands of dollars. Then these people like life, flat, some people die naturally, some people get sick and die, in short, are very flat gone.
On the second half of life after 50 years old how much savings enough, I think there is really no certain number, as long as not worry about food and drink, not worry about spending on it. Of course, we can't rule out the possibility that there will be some major illnesses that require huge expenses, and this can only be prepared just in case. The first thing you need to do is to get a good deal of money, and you can't get enough of it to make your life easier.
There is a bad news to say to the men, men to the age of fifty to continue to work, sixty years old to retire to get a pension, but women do not smile on the sidelines, do not think that the steady, women's retirement age has been adjusted to 55 years of age signs.
Accumulation of family assets before retirement, the use of family assets after retirement are the rest of their lives, of course, before retirement to buy enough 15 years of social security or other pension funds, there is a fixed monthly income until death, but most people, the pension will be lower than the income of the job, so there is a fund is a must.
There is a fund before there is a premise is a real estate, real estate is a pension must be real estate, after all, renting is not a permanent solution, there is an extra monthly expenditure, and instability, the landlord may be at any time to increase the rent or not to renew the rent, so there is the premise of the house, would rather do the old man living alone not to do the vagabond.
The second half of life most people still have 40-50 years, how much money do you need to spend in this half?
Every year there is inflation, the currency will continue to depreciate, do not look back, look forward 40-50 years, that is, the period 1969-1979, when 100 dollars and now 100 dollars to buy things have been very different, so every year to ensure that the asset value appreciation to be able to, after all, the pension increase certainly can not keep up with the rate of inflation, and there is a possibility that the older you get, the less benefits.
Of course, the older you get, the lower your desire to consume, the lower your annual consumption will be, but inflation will be higher and higher, the more expensive, you can look at the chart above, if the assets have 1.5 million, 4% interest earnings per year, and the annual consumption of 5% growth per year, 40 years after the assets are still left with 640,000 of the remaining, the situation can be said to be a loss, after all, there is still money not yet used! After finishing the death, life is not cost-effective and not worth it.
Finally, according to the city's consumption level are different standards, personal assets to reach a certain level can spend the rest of his life, of course, with the individual's consumption habits are closely related to some people rely on the pension can live, some people are not enough, but there are houses in today's life can save a lot of money, so it makes sense to buy a house in order to pension, have a child does not necessarily be able to pension.
Well, I think there must be a lot of friends who are worried about old age, that's why there are a lot of similar questions.
I said last time that I hoped to have 5 million by the time I was 50, and then I was laughed at by the discussion group, saying that I must be dreaming.
The dream is still there, isn't it? What if it comes true.
Related to this, I recently read two related articles.
One is about Japan, which has typically entered an aging society, where the group that made money during the most prosperous period enjoyed the dividends of economic development and made good money, and is now living well.
And after the group , wages fell, not good to find a job, the quality of life deteriorated.
So there is concern that China may follow the footsteps of Japan.
However, China is still in the midst of rapid development, and there are still a lot of opportunities, as evidenced by the wealth creation effect of the Internet in the past two years. So, we should be happy that it's not so bad now.
Another article is about a policy introduced in Guangzhou, for the mobility of elderly people in need of long-term care, you can apply for some subsidies, the amount is not very large, but ultimately it is slightly better than nothing. Urumqi also has this policy, and the only regret is that the amount is also still relatively low.
What I want to say is that China's pension system and Japan's are completely different models. For example, Japan's pensions can't be used for investment, while China's can, and Japan's pension system relies more on financial allocations, while China's has the profits of centralized enterprises and state-owned enterprises behind it.
So I'm still confident about the future. Relying on the basic pension may not be too good, but at least life is still guaranteed. The rest is a question of quality of life, honestly this is not a bottom, have the money to live a little better, no lower standards.
And, I think when I get old, if there are job opportunities, I still want to go to work, if only to go to the square dance, I guess it is very boring, can have a job, will be more fulfilling.
Ha ah, just think of it as a nag.
I'll be fifty this year! I'm still struggling! When it comes to old age, ten years ago, we began to regulate, can live until when we can not choose! But now how to live! We can make good use of it! As early as five years ago in the hometown to build a good house, three years ago to buy a commercial pension insurance, social security has been paying, the kind of independent living, more than ten years ago to buy a little storefront rental, personal investment in a few small projects, accounting for a small stake, to stay in the old age with the I'm a realist, old age rely on their own! I don't want to rely on my son! In the future, they have their own lives, I do not want to worry about their lives, planning ahead of time, everything on their own, filial piety in their lifetime, take up the responsibility of being a father! I want to help my sons as much as I can and let everything else take its course! A house, a million dollars for retirement, these conditions depend on what kind of life you want to live! And how long you can live! So you can't say a fixed number! You have to plan ahead, society is progressing! Who knows what the future holds! Twenty, thirty years! Fifty years? So let's just go with the flow! Anyway, it's better to keep more than anything else.
To my summary of many years of living in Shanghai, 50 years old, expected 30 million yuan in assets, basically enough for the second half of life. 30 million yuan, the city is expected to be four sets of more than 100 square feet of house, a set of children, a set of their own living, the remaining two sets of rent, rent is expected to be around 16,000 yuan per month, a year's rent of 200,000 yuan, the two families out of the country travel expenses out of the The first is that the child will be able to get a good deal of money from his or her parents, and the second is that the child will be able to get a good deal of money from his or her parents, and the child will be able to get a good deal of money from his or her parents.
The latest data for 2019 shows that the average life expectancy of our people is 77 years, that plus a 10% safety margin, is that you have to plan according to live to 85 years old, that is, we have to ensure that 35 years of living expenses.
First of all, you have to have a houseYou can't say that you don't have your own house when you're old, even if it's an old house in the countryside, at least you won't have to be evicted by the landlord, and then the risk of being left on the street.
We Chinese have a complex about houses, and we don't feel safe without our own house, so before you're 50, you have to have a house ready for you, in the countryside or in a big city.
Then you have to have insuranceOnce a person is old, the body is prone to problems, the probability of getting sick greatly increased, so insurance is very important.
Once you're old, you're prone to problems, and the probability of getting sick increases dramatically, so insurance is very important.
We have an old man in our neighborhood who got cancer last year, and spent 300,000 yuan before and after, but fortunately, his daughter just bought him insurance the year before, or 300,000 yuan of medical expenses, even if his daughter can afford it, his son-in-law will have a problem with it, after all, we all have our own families to take care of.
Finally, you have to have savingsHaving solved the problem of housing and medical care, all we have left is the problem of survival. This is a piece that can vary greatly from person to person.
If you live in a rural area, you may be able to get by on less than a thousand dollars a month; but if you live in a big city, you'll need at least 3,000 a month; and if you want to live a higher quality of life, 5,000, 10,000 won't necessarily be enough for you to spend. The worst thing is that money is still depreciating because of inflation.
According to the current rate of inflation, the purchasing power of a thousand dollars in 35 years will be equivalent to only 500 dollars now.
The interest rate on bank deposits is also dropping, so it's hard to say whether it will cover inflation in the future. So to be on the safe side, when we calculate the amount of deposit, we have to calculate it according to the bank interest rate is 0 and the purchase is only half.
That is to say, if your current cost of living is 1,000, you have to calculate according to 2,000, which is 24,000 a year, that is 24*35=840,000;
If your current cost of living is 3,000, you have to calculate according to 6,000, which is 7.2*35=2.52 million;
If your current cost of living is 10,000, you have to According to 20,000, that's 24*35=8.4 million;
To summarize: to retire with peace of mind, you have to have a house, health insurance, and 84-8.4 million in savings.
As for the fifty-something, the second half of the life of how much family property enough, this question is not good to answer, the so-called benevolent to see the wisdom of it. Because of the endless desire for people, tens of millions of dollars can not be satisfied, for the contentment of the people, there is a housing Monthly fixed income, a few thousand dollars will be enough!
The second half of my life I want to consider is not a question of wealth, but a question of survival, and life.
First of all, we need to have a good body, both for ourselves and for our children, otherwise, what is the use of having so many assets? How big a room, but still can only sleep a bed, how delicious delicious, can only be a three meals.
Secondly, when you get older, you don't have much need for life anymore, and everything becomes simpler. Food, clothing, housing and transportation requirements are not high, the interaction is also less, the cost will not spend much.
Third, this thing is different from person to person, can not be generalized, there are more property, of course, better, they can not enjoy, left to the children. And ordinary people have ordinary conditions, can also live a good life.
Fourth, at this age, the mentality should be put calm, do not blindly compare, you are not the age of struggle! Desire is endless, life is plain, or contented people long happy it!
Admittedly, in today's society, money is not everything, but no money is everything. In the past is to raise children to prevent old age, now this concept should be changed, but also rely on their own. It is not that the children are not filial, but they are under too much pressure, their own lives, it is difficult to ensure that there is energy to care for the elderly? In addition, most of the children are working in the field, the distance is far, there is a big problem, it is difficult to take into account. So, the older people, to organize their own life.
First, there should be a fixed housing, which is the basis for survival, only then, you can be at ease, comfortable life. Otherwise, it can only be like the rain hit the duckweed, fluttering around, which can be peaceful in old age.
Second, to have their own lives, do not overly rely on and disturb the children's lives, they are on the one hand, the pressure of work and life, difficult to take care of the elderly, on the other hand, the elderly and the children, living habits, eating habits are not the same, each other is very inconvenient, such as the time when the age is not too old, live their own lives, are all very happy.
Third, there should be a certain amount of income per month, more money to spend, less money to spend, at least to cope with daily living expenses, not to sit on the mountain.
Fourth, there should be medical insurance, which is a life-saving insurance that people must consider and participate in the middle age, the fundamental protection. When you get older, you are afraid of getting sick, most afraid of getting sick, that is a lot of money, normal families are difficult to bear, the children can not refer to, can only rely on health insurance to solve. Our country's medical insurance has stepped into the normal track, the coverage is also very in place, even in rural areas. The first thing that you need to do is to get a good deal of money from the government.
Fifth, as far as possible, or engaged in some work, on the one hand, to increase income, on the other hand, as a normal exercise. Because at this age, it is not the time to retire!
People to fifty years old how much family property, the second half of life is enough?
This data will have to have a variety of algorithms, and there are a variety of ways to live, we will be counted according to the conventional three categories, thrifty life and rich life, and sick life. Life expectancy is calculated according to the longest expected, the second half of the life of fifty years, the average daily cost of frugal life is about 50 dollars, 1500 dollars a month, a year is about 20,000 dollars, 50 years will be about 1,000,000 dollars. The average daily cost of a rich life is about 100 yuan a day, and 50 years will be 2,000,000 yuan. During the period there will be some human and other miscellaneous expenses and and price increases and other costs, over a million of bank interest can be deducted, this can be ignored. If you are sick, this is not a good estimate, someone in Hong Kong spends 100 million dollars a year to save their lives, then the most should also be 5 billion.