Suddenly, 654.38+00,000 yuan is really not a decimal. Think about it carefully, under the current situation that prices are getting higher every year, 654.38+0 million yuan is not a big number. If you deposit your money in the bank, I'm afraid the annual interest will be less than 20 thousand yuan.
According to the average age of the two of you, you will live to be 80 years old, and it will take another 25 years. The average annual disposable income is only 40,000 yuan. If you spend 40 thousand yuan a year in the countryside, it's a good life for a family, and it's ok in fifth-and sixth-tier cities, but you can't say for sure in third-and fourth-tier cities. If you are in a first-and second-tier city, it will be difficult. You can't go out without money, you can only save 40 thousand.
This is still analyzed according to the current price situation. You see, in the past two years, my second brother has flown in the sky and won't come down. If other necessities are flying all over the sky, there will be no guarantee for future life. More importantly, 1 10,000 is not 1 10,000 if someone is seriously ill and you have no other medical insurance. It is even more useless to plan for needing someone to take care of you when you are old.
So I think, you are not old at 55, don't be idle, find a suitable job while you can still do things, and accumulate some wealth for a rainy day. Or make full use of existing funds to make them play a greater role. Divide100000 into several parts:
In short, if you want to live a happy old age, you must plan ahead and make plans early, so as to ensure the quality of life in your old age.
I wonder if my answer can help you!
55 years old, saved1million. I have no pension. Can I accompany my lover to death? At the age of 55, according to the current living standard of third-tier cities, the deposit or financial interest of 654.38+0 million yuan is basically enough to support a person's retirement living expenses. However, after more than 30 years, prices are rising year by year. I'm afraid it's already tight to support one person, and it's even harder for two people. Why do you say that? If you deposit 1 10,000, the annual interest rate is 4%, and the annual interest is only 40,000, which is equivalent to 3333 yuan/month pension. Pensions go up every year with the rising prices, but the interest will not go up, so it is more difficult for two people to live alone for 30 years. Maybe you will say that this is interest, and the principal of 654.38+0 million has not moved? Let's analyze it again: if the principal of 6.5438+0 million yuan costs 6,000 yuan on average every month and can only be used for 654.38+03 years, then the interest will be reduced by 72,000 yuan every year because of the principal, and the reduced principal and interest can't support two people to die.
I suggest you buy two old-age insurance for two people, save the rest of the money and make up for the lack of pension with interest. Because the pension will go up every year, when you are 8O years old, the pension will go up a lot, and the principal and interest of the deposit will be paid first and then less, which will be more comfortable. For example, if you have already bought old-age insurance and paid 65,438+2005 for retirement, they only need 200,000 yuan, and third-tier cities can get more than 3,000 yuan from 960 yuan every month. It is obviously the best choice to save another 800 thousand and supplement the pension with the principal and interest of the deposit.
In the case of owning your own house, 6.5438 million yuan in cash is enough to support the elderly, and the living standard is not bad, which is better than many people.
Don't be confused and deceived by some so-called "fallacies and heresies" that there are no millions of old-age pensions. Today, there are so many families in China who can come up with 6,543,800 yuan in cash. It is a very realistic problem that more families can't come up with 6.5438+0 million yuan in cash.
Even if the sum of two people's monthly pensions is 6500 yuan, this 654.38+0 million yuan will be enough for at least 654.38+0.20 months. If a person's monthly pension is 5000 yuan, it is certainly no problem to open 180 months.
When it comes to pensions, many people always talk about inflation as if it were terrible. In fact, inflation is no big deal. What is terrible is that some people have problems with their ideas, thus amplifying the negative effects of inflation.
Inflation is hard to prevent. Don't think that buying gold can fight inflation. This is a joke.
Judging from the situation of more than 40 years of reform and opening up, the only thing that can prevent inflation is a real estate house, and this house is still in large and medium-sized cities, especially first-tier cities such as Beishangguangshen and Shenzhen, and the fourth, fifth and sixth tier cities are not easy to use.
I don't believe that people with cash of 6.5438+0 million will have a worse living standard than those retirees with a monthly pension of 4,000 to 5,000. The starting point of the two is completely different, and the former is much higher than the latter.
At the age of 55, you can accumulate 6,543,800 yuan of wealth, and you are by no means an idle generation. Although I can't get a pension for some reasons now, it is a pity and a hidden worry.
However, not getting a pension now does not mean that you will not get a pension in the future. Now that you are 55 years old, you can participate in the payment of residents' old-age insurance. When you reach the age of 65, you can get a monthly pension by paying the fees you owe in one lump sum.
It is recommended to choose a payment grade of not less than 5,000 yuan per year and 50,000 yuan for ten years. Then according to the minimum payment grade of 1 000 yuan per year, the personal account pension is 396 yuan.
As for the basic pension you receive, it depends on the minimum standard of basic pension for residents in your city. The higher the minimum standard, the more pensions you receive. In this way, there is a basic pension.
While participating in the payment of residents' old-age insurance, you must participate in residents' medical insurance. The annual payment amount is between 300 yuan and 1000 yuan, and the payment will be reimbursed for one year. Although the treatment of residents' medical insurance is not as good as that of employees' medical insurance, as a basic guarantee, there is still no big problem.
From the cash of 6,543,800,000 yuan, it is convenient and flexible to withdraw 6,543,800 yuan for daily expenses, 6,543,800 yuan for emergency reserve and 6,543,800 yuan for current savings.
The remaining 700,000 yuan can be used as a basic investment, that is, to buy certificates of deposit issued by large state-owned commercial banks. At present, the interest rate of three-year certificates of deposit is around 3.8%, and the purchase starting point is more than 200,000 yuan. You can buy three certificates of deposit, and the interest paid each year is 22,800 yuan. Finally, the remaining 6,543,800 yuan can be saved for one year, with annual interest of 654.38+ 0.950 yuan.
For investment, security and stability are very important. One-year time deposits and certificates of deposit are the safest financial products. Other wealth management products may have higher yields, but risks will follow, so there is no need to take such risks.
I don't know what your housing situation is, whether the area is large (for example, 180 square meters) or whether the location is good (for example, in a prime location). If the area is large and it is in a prime location, it can be rented for several years, and the annual rental income will not be low.
55 years old, no pension, saved1million. In this case, it may be difficult to support the elderly without working.
You are 55 years old now. If you want to live to be old, you may have to live to be over 80 or even 90. In other words, you may live for 30 to 40 years. It may be difficult to support the elderly only by 654.38+0 million deposits.
1. Now 1 ten thousand yuan is enough for living expenses. Now 1 10,000 yuan is deposited in the bank, and you can deposit a large deposit certificate with an annual interest rate of 4%. Some small and medium-sized banks can also pay interest on a monthly basis, so that they can get interest income of 40 thousand yuan a year. The average monthly interest income is 3333 yuan. Such interest income, if you own a house, is enough for your daily living expenses now. The interest income of 3300 yuan a month, as long as you save a little to buy food and cook by yourself, then the daily expenses are basically enough.
2. But in the long run, 6,543,800 yuan in the bank may not be enough. If prices rise in the future, deposit interest may also fall. At this time, if you only rely on deposit interest, it may not be enough to survive. Now basically, prices will go up every year. If prices more than double in the next decade and the annual interest rate drops to about 3%, the interest income of 30,000 yuan a year may not be enough for living expenses. Therefore, in the long run, if prices rise, the future deposit interest rate may fall, and after more than ten years, the annual interest income may not be enough for living expenses.
It may be a suitable choice to return the endowment insurance now. Now that I am 55 years old and have saved 654.38+00,000 yuan, it may be a suitable choice to return the endowment insurance. Now I'm 55 years old. If the local social security bureau has a policy of paying back the old-age insurance, I can pay back the old-age insurance for 15 years, so that I can retire at retirement age and enjoy retirement benefits.
If you two pay back, one person may need to pay back hundreds of thousands, and two people may need 200 thousand or 300 thousand, which means there will be about 700 thousand left.
However, if the pension is paid back, after retirement, the couple can get a pension of about 2,000 yuan a month, and with the growth of age, the pension may increase a little every year, which may be more secure for the couple. Plus about 700 thousand deposits, such a retirement life may be more comfortable.
So it may be a suitable choice to pay endowment insurance now.
4. Conclusion To sum up, at the age of 55, you have saved 6,543,800 yuan. If you don't want to work, it may be difficult to use your old age. If you want to live a better life in your later years, you can first pay back the old-age insurance for 15 years, and then retire and enjoy the old-age insurance benefits. Plus hundreds of thousands of deposits, it may make your life more comfortable.
This is hard to say.
The living area is not clear, the length of life is difficult to determine, the quality of life is difficult to determine, and the answer cannot be unified.
At present,1100,000 is put in the bank for capital preservation and financial management, and the annual interest is 43,000. My wife and I have a monthly pension of 63OO yuan, and the monthly expenditure is 13oo yuan. We will keep it in 500 yuan for a rainy day. According to our actual parameters, zoom in, your husband and wife spend 230O yuan a year, which greatly exceeds our1560 yuan. In this way, you still have 20 thousand yuan of regular residual interest every year, which is an emergency fund besides the fixed investment fund. I think I can fully cope with the future life and sudden needs. At the same time, we should pay attention to the diet structure and only eat the right and inexpensive meat. I am cheerful and nosy, and I have a dream paradise in my heart. I am kind to others, I am peaceful, I am quiet, I enjoy myself and live a quiet life. Although I don't want to be rich or expensive, I just want to live, be safe, healthy and harmonious. I don't want big fish and big meat, and I don't want ginseng and donkey-hide gelatin. I just want ordinary, simple, simple and affordable. Why are you unhappy?
55 years old, saved 654.38+0 million, no pension. You asked me if I could support myself without working with my lover. Not only can I, but I will have a lot of money left to spend when I die. Let me analyze why there is still a lot of money to spend.
First of all! You two don't want to make any more money and have no pension. This 654.38+0 million deposit is dead money. Spend a penny, you lose a penny. At this time, you will consider the cost of desperate transactions, and try not to spend it where it should not be spent.
Because I'm afraid I spend too much, what should I do in the future!
Second: you will consider that when you get old, you will often get sick, get sick and stay in the hospital. This deposit of 654.38+0 million is not money. At this time, if one of you is sick, you will consider not going to the hospital as much as possible and staying at home with illness as much as possible. In the end, there will be money.
Third: the remaining one is even more afraid to spend money indiscriminately, because you don't know how many years you can live. At this time, you will consider what to do if you can't take care of yourself and don't take care of the other half for free. At this time, there is dead money in the bank. You must be prepared to find someone to take care of yourself. If you can't take care of it, you will pay others.
You can't bear to find someone to take care of yourself unless you have to, because you are afraid that you will run out of money and you will still be alive, so you will last until you die, and there is still a lot of money to spend.
Finally, I tell you that without old-age insurance and child care, you rely entirely on dead money in the bank, live a frugal life for the rest of your life, and are afraid to go to the hospital for treatment when you are sick.
Thank you for inviting me!
Fifty-five years old has one million, which is not small. According to the current life expectancy in China, the average life expectancy of men is about 75 years old, which means 75 years old! Women live slightly longer than men, that is, 80 years old! We calculate the monthly expenses of two old people (financial freedom) as 5,000 yuan, which is 60,000 yuan a year. 1 10,000 is used for expenses, which can last for 20 years!
Let's calculate another account. The highest annual interest rate of current banks (wealth management type) is 4.2%, and the available interest of 1 10,000 is close to 50,000. According to the daily expenditure, there is still a gap of 10000 yuan. After spending every year, the original principal of one million yuan is decreasing year by year! Therefore, it is not objective to maintain daily expenses with interest!
The above is just the daily expenses. If there are no other expenses, it can be said that it is rich! However, although we get older and spend more, it is medical care, not to mention serious illness or minor illness, but this expenditure is increasing year by year!
Besides, an invisible "black hand", the price index basically rises by about 20% every ten years, and the "constant value" of 1 10,000 will definitely "shrink"! Completely break the calculated (planned consumption) expenditure, and the planned expenditure for 20 years may not be maintained normally even for 18 years!
Finally, if there is no other investment, it is impossible to "provide for the elderly" with one million!
The above is my (immature) conclusion from comprehensive analysis in many aspects! Hanging leaks is inevitable! Have dirty eyes!
1100,000 interest plus principal, now it seems that it is indeed a big sum, and it seems that pension is enough. In fact, the later, the less enough. You know, society is developing and changing!
If you save10 million, you can still get more than 3 thousand interest every month to cope with your life. Try again in ten years. How much purchasing power does this money have? Anyway, my salary is 6 thousand now, 3 thousand ten years ago and less than 1 thousand twenty years ago. So now it's more than 3 thousand, and in 20 years, it's probably 500 yuan! If you count the interest reduction, you can probably top two hundred flowers, and then it will be even worse. Now, as far as the world is concerned, it has entered the era of low interest rates, and cutting interest rates is the trend. Some countries still have zero or even negative interest. At that time, you this one million, still can support your pension? Maybe you can save money and return it to the bank. At that time, the interest of more than 3,000 yuan will probably be gone, and your income will be gone. So, what about100000 principal? After years of depreciation, I'm afraid the purchasing power is equivalent to hundreds of thousands or even forty or fifty thousand now! Maybe it will be deducted by negative interest! Saving1100,000 for the aged in this way is not feasible according to the normal development trend. With all your money gone, your old age will be miserable!
Of course, with a million dollars, life will definitely get better. My suggestions are: First of all, to apply for medical insurance for urban residents, you only need to pay a few hundred yuan a year. Although the reimbursement rate is not as high as employee medical insurance, the cost is low and it can play a great role once hospitalized.
At this age,/kloc-0,000,000 is the only pension capital, which can't stand the toss. To be on the safe side, most of the money can be used to buy government bonds and large bank deposits. These two interest rates are similar, both around 4%. Electronic treasury bonds pay interest every year, and large deposits can pay interest every month. Even if these two items cost 700,000 yuan, they can guarantee interest income of more than 2,000 yuan per month.
The rest of the money, you can choose a little more radical investment, such as bank financing, funds and the like.
If you are over 55 years old and your physical condition permits, you can also do odd jobs to subsidize your family to make your life better, or consider whether you can change your lifestyle.
Master Zhang of our unit retired last year, with only a pension of more than 2,000 yuan per month. As soon as he retired, he rented out the house in the city at a monthly price of 1500, and went to the countryside to rent a bungalow with a small courtyard. The annual rent is only over 2000 yuan.
The old couple settled down in the countryside. Master Zhang cleaned up a small orchard that had been abandoned for many years in the village, raised two sheep, a group of chickens and planted various vegetables. They are not tired in this job, they are in a good mood and live a leisurely life.
Every once in a while, Master Zhang will go back to the city to buy some daily necessities and bring us some vegetables from his own small garden.
When people are old, they have no great pursuit of life, and they can't stand big fish and big meat every day. More than 2000 yuan, life in the city may be a little tight, but in the countryside, it is still quite good.
No one can have more money, and no one will starve to death. As for how much money is enough, it depends on your values and what lifestyle you choose.