Generally speaking, adequate pension can improve the quality of life of the elderly in the future, but the current budget is insufficient, which is easy to affect the current quality of life.
Therefore, how much you pay at a time depends on how much you plan to invest. And how much money to invest is determined by the future cost of living for the aged, which we can calculate.
Annuity insurance is a typical representative of commercial endowment insurance. Let's see which one is good: "Is it good to choose annuity insurance for commercial pension insurance?" Which is better for commercial endowment insurance? 》
Dad, let's calculate an account for everyone first:
Suppose the husband and wife consume 20 yuan for each meal. From the age of 60 to 80, the cost of food and beverage needs 20*2*3*365*20 years = 876,000 yuan, which is not the price increase.
Other daily expenses include utilities, outings, socializing, birthday red envelopes for parents and friends, and large medical care expenses.
How much do I need to prepare?
202 1' s survey report on the prospects of providing for the aged in China shows that the target retirement deposit for people over 35 years old is 1.39 million yuan, while the target retirement deposit for people aged 18-34 is even higher, at 1.55 million yuan.
Dad can only say that the more pension money, the better.
Coupled with the development of aging population, people live longer and longer. Average life expectancy will increase by 1 year every four or five years.
The older you get, the more money you need to prepare.
To this end, we know the future pension goals, so we can decide now and start planning. If there is insufficient funds in the early stage, pay less first, and then choose to increase insurance in the later stage.
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