Theoretically speaking, a 60-year-old man, if the average age to live to 75 years old, that is the need to maintain 15 years of old age, the average to each year is 13,333 yuan. From the point of view of an elderly person a year of basic consumption, in the case of housing, a year of clothing, food, housing, transportation, as well as the necessary daily consumption of other living expenses, about 6,000 to 8,000 yuan per year, plus a little bit of medicine every year, injections and other medical costs of 2,000 yuan, so that there will be a 3,000 or 4,000 yuan left over, you can follow the elderly group to do some tourism, the overall view of the life is still relatively generous.
But the above is only an ideal state of no disease and no other circumstances, in reality, not all this easy and happy. I remember an old saying, people eat grains and cereals, where there is no disease? Especially when people reach the age of 50, 60 years later, some parts of the body functions, will gradually decline, some such as cardiovascular and cerebrovascular diseases, diabetes, various tumors and other diseases, will follow, if you get one of these diseases, the medical cost of such a significant burden, in the old family has a neighbor elderly, in 2017 when he suffered from liver cancer, after more than a year of chemotherapy, the medical cost has been up to more than 200,000 yuan, in addition to the reimbursement of tens of thousands of dollars, the current children have owed more than a dozen dollars of external debt.
My classmate's father, who is 71 years old, was living alone. According to my classmate, the old man had saved 40,000 or 50,000 yuan in his hand, and the year before last, he had a disease, and his heart blood vessels underwent stent surgery, which cost him 70,000 or 80,000 yuan, and the old man is now being received by my classmate's family, and supported by my classmates, who are in debt to the outside world. From these examples above, we can see that if the elderly shall not have any disease, there is a 6,000, 7,000 in the hand can maintain a year's life, but if the body is not good, get a little sick to the hospital, in the words of the people, the money strings upside down carrying, not money at all, if there is a serious illness, 100,000, 200,000 will be spent very easily. It can be said that the rural elderly hand without 200,000, can also maintain life, if there is a big disease, 200,000 is not enough, this is the basic status quo of the rural elderly pension.
My parents are farmers and are in their 50s this year. I am also a farmer and have been living in the countryside for 30 years, and I am surrounded by farmers, and all of them are elderly farmers. If a rural elderly person has 200,000 in his hands, thank you to the questioner for knowing how to use "if".
Rural seniors, especially those over 60 years old, are not expected to have more than one percent in their lifetime to have 200,000 yuan in savings. Even many, many of them have never seen $200,000 in their lives. Most of them feel satisfied with having 30,000 yuan in savings and being able to use it in an emergency all of a sudden.
Where did they get the savings? When they used to be able to work hard, the salary was about 1000 dollars a month, to build a house for their children, to get married, and to support their parents, they earned that little money enough for normal expenses? Nowadays, the wages and consumer spending in various industries have doubled a few times compared to 20 years ago, but unfortunately they can't do it anymore, even if they saved some money in their original hands, but that money is not comparable to the money nowadays.
Suppose, even if the old man has 200,000 in hand, they dare to get sick once, enough to enter the hospital once? It is estimated that even if you go to the hospital, are not enough to live two weeks of expenditure. Even if you are a city dweller with 500,000 in your hand, do you dare to get sick once? As the saying goes, "If you have a million dollars, you will be sick and go back to the pre-liberation era. Immediately let you poor death.
So, please ask the questioner in the future, do not always ask how many million in the hands of the rural elderly, I tell you directly, they are unlikely to have. Anyway, the rural elderly around me don't have it.
Rural elderly people have 200,000 yuan in savings can only be an assumption, can have 200,000 yuan in savings can be said to be a handful. If there is really 200,000 yuan of deposits can not old age, according to the following analysis can be concluded:
First, from the 2019 rural commercial bank deposits, 200,000 yuan deposited in the last year the minimum deposit interest of 3,500 yuan, the highest interest of 9,738 yuan, the monthly average can obtain about 800 yuan of interest. Rural seniors have fields at home with grain and various vegetables; they can also raise a small amount of livestock. Together with the old age insurance, medical insurance, monthly interest of about 800 yuan, can be old age, and even have spare money to visit relatives. If the rural elderly have 200,000 yuan of savings really cool!
Second, the rural elderly have 200,000 yuan deposit, as long as the use of proper, there will be no worries. Because the rural elderly spending is not very big, in addition to suffering from a terminal illness, the daily expenditure is only food and clothing, the health of the situation can also be in the neighborhood, between relatives. In addition to the produce produced by their own families, the interest of about 800 yuan a month is payable for entertainment. Even if you have a minor illness, you have medical insurance to deal with it.
Third, of course, the sky is the limit, if the elderly once suffering from a terminal illness, the 200,000 yuan of savings is not enough. From the reality, we can see that patients suffering from terminal illnesses, even after spending five, six hundred thousand or even millions of dollars on medical treatment, there is still no way back. However, this is just an example. If someone really suffers from a terminal illness, the amount of money is meaningless.
Therefore, once the rural elderly have 200,000 yuan of savings, under normal circumstances can be old age. People are afraid of laziness, the rural elderly if they have 200,000 yuan of savings, that the elderly usually hardworking and thrifty, smart and capable, in life will be careful to calculate. The reason why, do not worry, rural elderly people have 200,000 yuan of savings is to be able to old age!
I have sixty-two, pure rural people, and now also in Beijing to do the work of the electrician, a monthly salary of five thousand dollars, the unit tube food and housing, the work is more relaxed, the existing deposit of more than 100,000 yuan, my goal is the minimum deposit to reach more than two hundred thousand dollars to go home to old age. By the time the annual deposit interest can reach eight or nine thousand yuan (Alipay financial), occupying the land compensation can receive six thousand per year (has received a few years), old age and one-child subsidy of four thousand per year (my wife and I, has now received two years), *** calculated that the retirement can have eighteen or nine thousand yuan per year of income, we live a simple life in rural areas, the main spending is to eat, the house is built, the son has become a family, clothes! Basic and then do not have to spend a lot of money, if you get a serious illness (except incurable diseases) to spend the old money, if you get an incurable disease is determined not to go to the treatment, and would rather spend the money on food and drink, tourism, but also will not throw money into the hospital. Because I think: If you spend tens of thousands of dollars or even more money to continue a life lying in a hospital bed is not worth it, live should pursue happiness, already know that they are no longer happy to say, live there is meaning? The first thing you need to do is to get your hands on a new one, and you'll be able to do that.
First of all, the answer is very sure, it is completely enough.
First of all, I'm sure it's enough. But the reality is that a lot of old people don't have $200,000 in savings.
In the countryside, a deposit of 200,000 is already a lot of money. If the old man has 200,000 savings, then he will live very well. I believe most people will choose to save the 200,000. Taking a few hundred dollars a month as pocket money is perfectly adequate.
I will now give you a rationalization of what I have learned:
A: Most of the elderly are very frugal, and their level of living requirements is actually not high. In their opinion, as long as they can eat three meals a day, they will be fine. They will rarely buy clothes for themselves. The idea of being frugal has permeated their entire lives.
Secondly, they are self-sufficient in food and vegetables and seldom buy them. Most of the old people living in the countryside have been dealing with the land for their whole life. Even if they are over 60, they still won't put down the hoe in their hands. They will grow their own vegetables and even rice. It is not too much to say that they have no worries about food and drink.
Third: the rural life of the elderly is very monotonous, they generally rarely go to the consumption of high entertainment activities. They have been busy for most of their lives and have time to relax, in fact, they have been very happy. Every day, they string the door and neighbors nagging family. When they are happy, they drink a little wine. Go to the village committee to dance a few square dances. This is their daily life.
Fourth: the rural medical system has been slowly sound, take medicine to see the doctor, the state will give reimbursement. Coupled with the fact that rural sons and daughters are very filial. If the old man in the family is sick, it is the children who share the cost and take care of it.
Of course, nothing is absolute. The majority of the people here are just enough. If the elderly are seriously ill, then a mere $200,000 is just a drop in the bucket, and that's something no one wants to see.
In rural areas with 200,000 deposits in the way of old age, it would be less reliable than buying social pension insurance, there are 200,000 yuan, put in the bank, according to the annual spending of 10,000 yuan, every year of life will be less 10,000. If this $200,000 is used to buy social pension insurance, at least more than $1,000 will be opened for retirement each month, and the amount will be adjusted upward year after year. The savings is less and less to spend, the insurance is more and more.
According to the provisions of the social pension insurance, men start to receive pension at the age of 60, and women start to receive pension at the age of 55. According to the current farmers to buy social security contribution standards, 7,000 yuan per year, 200,000 yuan to buy thirty years of service, to receive a pension starting amount of at least 1,000 more than the second year of salary adjustment, the basic salary processing ageing wages, at least to rise more than 100 yuan, year by year adjustment, if you live to eighty years old, to open back how much money? And the longer you live, the more you get. Farmers buy social security, basically in more than five years can return to the capital. If you save $200,000 and live too many years maybe that's not always enough money.
Again, spending pension insurance and spending deposits are two moods, spending deposits is less and less, take 10,000 to reduce 10,000, the heart is always weak, weighing the fear of not enough to use; and spending social security is whenever the hands of the money to spend all the time, it is time to get paid, every month, the mood of the hope, how many years to live without worries, the more live the more wages will be.
If the children are filial, how many deposits you have children do not think about, if the children are not filial, every day weigh your this deposit. You just don't give them, they are also from the heart not willing to let you live too long, live too long to save money on nothing, or even have to give you more money. And their own insurance, children are not afraid of how long you live, anyway, have a salary, live to a hundred years old is no problem, insurance is not limited to age. This is the heart of the matter, not in the singing, everyone can think for themselves, this is the truth.
Hello owner, if the elderly in rural areas have 200,000 savings, enough for them to retire in the countryside? Of course if this assumption holds true and one has 200,000 in savings, I think it is perfectly fine to retire in a rural area. We can divide this 200,000 yuan into two areas of use, the first area of use is as a rural elderly, then participate in the new rural cooperative pension insurance, currently speaking or allowed to 60 years of age before a one-time contribution to complete the cost of 15 years directly to the retirement enjoy the treatment of the monthly basic pension.
So we can come up with a few tens of thousands of dollars to make up for this rural pension insurance, because with the rural pension insurance, at least you will have a few hundred dollars a month of stable income for their own old age retirement life has a basic guarantee, and also should go to participate in a new rural cooperative medical insurance has this new rural cooperative medical insurance, you can enjoy 50% of the The first thing you need to do is to get your hands on a new one, and you'll be able to do it in a way that's easy for you.
Then the remaining 10 million dollars, let's say 15 million dollars, then this 15 dollars we do not put in the bank. We can use this 150,000 yuan as an investment, through the lowest risk of regular financial products to carry out financial management, because regular financial management, basically the annualized return can reach about 4% to 5%, we will be calculated according to 5%, then 150,000 yuan a year annualized return basically can be obtained about 7,500 yuan.
Then add a few hundred dollars to your own pension, plus your annual return of 7,500 dollars, I think the realization of their own old age is still no problem at all, and you are now the principal has not been used, and when you happen to have some of the more significant some of the problems when you need to use the principal, then we are fully capable of withstanding such a major risk.
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Now that rural seniors have 200,000 in savings to retire, it's not clear what will happen later! Prices are rising, the rural elderly have 200,000 deposits are very few, the rural elderly are thrifty and frugal do not get to eat, do not get to use the money, in the hands of 200,000 money heart fall bloomed, 200,000 deposits in the bank and the interest, the pension is not a problem, the pension counts as happiness, but most of the elderly in rural areas may only have 20,000 to be good! Impossible to have 200,000 yuan in savings, really have 200,000 yuan of money to children to buy a house, buy a car, everyone think is wonderful! But parents are for the children, it is difficult to save money, if the rural elderly have 200,000 deposits peace of mind, living a happy life, live to a hundred years old!
If the rural elderly have 200,000 deposits enough for them to retire in the countryside? The question was posed by the subject. That is, assuming that the rural elderly have 200,000 deposits, I can clearly tell you. It is impossible to have 200,000 deposits, can have this condition is only 1%, in the rural elderly, not to mention the 200,000 deposits, that is, can save three to five million dollars is also very happy,
The rural elderly when they are young, to farm for a living, the income itself is very thin, frugal. The company has been able to save up a little bit of savings. But to support the elderly, raising children to start a family, this money is really a drop in the bucket. If we can accomplish all these things, we will be lucky if we don't go into debt.
In fact, the rural elderly they are vulnerable, the annual pension is more than a thousand dollars. It's not enough to cover daily living expenses, and in case of illness or disaster, it's all the way back to the pre-liberation period. This is why many rural elderly people rely on procrastination.
Like the subject said, if the rural elderly have 200,000 deposits, then. In the countryside should be able to old age, because the rural elderly themselves are very thrifty. Daily life can not consume a lot of money. In addition, there are more than a thousand dollars a year of pension and income from farming, basically enough to cover the cost of daily expenses.
The two hundred thousand dollars is also in case of illness, in case of emergency.
This is the first time that a person has been in the countryside for a long time, so if he has 200,000 dollars in savings, he should be able to retire in the countryside.
The real rural elderly, the hand has 200,000 deposits is not easy. It can be said that 1% of the elderly will not have, do not owe foreign debt even good. The average old man has 30,000 to 50,000 deposits is the sky and the earth.
If the subject said, the elderly have 200,000 deposits. In the absence of a serious illness, it is more than enough to spend the rest of his life. If a serious illness, 200,000 can be said to be instantly spent. If they have paid the agricultural insurance, they can still be partially reimbursed. Luckily, life after the disease, will not be generous. They may have to rely on their children and continue farming. This is how the rural elderly live in their twilight years. There is really no comparison with the pensioners in the city. Most of their medical expenses for minor and major illnesses are reimbursed by their former work units. They also receive several thousand dollars of pension every month. Their lives are truly carefree. No wonder the old farmers often teach their children to study hard. The first thing you need to do is to find a good workplace, so that you can enjoy your life in the old age.