How much do you think you need per month for retirement? Share, share?

There is no fixed amount of money to spend more and less to spend.

My in-laws are in the countryside, and they can't even spend a hundred yuan a month, they said it themselves.

For now, second-tier cities. Owner-occupied housing. The couple's retirement salary is seven or eight thousand. That's enough. Buy vegetables and cook, two or three dollars a month. That's enough. Save the rest of the money for emergencies. If you have a serious illness, then you are uncertain.

The two of us are in a third-tier city, with a pension of 10,000 per month and 6,000 and other income of 20,000, but 2,000 for our own cooking, two local suites, one in Hainan, with 10 million shares, the old father is a retired cadre, and the daughter is the director of a financial company.

More than 10,000 yuan per month is enough.

I only need 1200 yuan. Go back to your hometown county. Don't want to be in the big city anymore.

I think Zhong Wei, a professor at the Financial Research Center of Beijing Normal University, put forward a point of view, saying, "A person who will retire after 2027 needs 3 million 5 million yuan to provide for the elderly, and in first-tier cities like Beijing, Shanghai, Guangzhou and Shenzhen, it may not be enough to prepare 10 million yuan for the pension." "If I were to retire, I guess it would be so much.

My grandmother's pension is 3,000 a month, and she often goes out to play, so it's okay to have more than 3,000.

If it is a first-tier city, I think about 8,000 is enough, because the elderly spend a little less, and there is no deduction of five insurances and one housing fund, which is enough to subsidize their children.

If you have a month, you are not sure, but you must have a stable income of more than 4,000 yuan, and you can't save it for a month, and then you can use it to see a doctor.

3k to 5k is enough, I don't think the price is so exaggerated now, if you are an old man, 5,000 is enough.

5k, this kind of money will make an old man who doesn't spend too much live well.

The current economic conditions say that 5000 a month is enough, but if I get old, I don't know how much it should be, and it is estimated that it will be 1w.

My grandmother spends about 2k a month, including the family's food money, so I think it's enough for less than 5k.

I think 3,000 to 5,000 is enough to maintain my daily life, but I don't know how much it will cost if I get sick, and my grandparents are in good health.

My grandparents have a total income of 6,000 a month, they buy vegetables every day to cook, occasionally go out to eat, and there will be a lot of money left, and they can steal some for me, I think 6,000 is enough.

Everyone's consumption level is different, some people can support the elderly with 1 million, and some people can provide for the elderly, mainly because of the consumption level. It also depends on the state of your consumption, such as whether you will manage your finances and so on. Then through these, you will know how much money can be used to support the elderly.

Someone has calculated an account: Suppose Lao Zhang is 40 years old this year, an ordinary working worker, with a monthly income of 10,000 yuan and an annual income of 120,000 yuan, which is considered the income of most wage earners. According to the current retirement age of Brother Lian, Lao Zhang retired at the age of 60, if he can live to the age of 80, then from now on, in the next 40 years, the average annual cost of Lao Zhang can not exceed 60,000 yuan, and at the age of 60 retirement, 1.2 million is needed to support the elderly.

Considering the inflation problem, if the annual inflation rate is 4%, Lao Zhang's living expenses at the age of 40 are 60,000 yuan, 7.26 million yuan will be spent in 40 years, and 3.91 million yuan in capital reserves will be needed in the 20 years after retirement.

Lao Zhang from the age of 40 to before retirement, the salary is a total of 120,000 * 20 years = 2.4 million, and the pension after retirement is half of the salary, that is, 5,000 yuan per month, to the age of 80 before the stupid world, Lao Zhang can get a pension of 5,000 * 12 * 20 = 1.2 million yuan. In other words, unless Lao Zhang rises year after year, or becomes rich overnight, there will be a gap of more than 2 million pension expenses in the middle. Of course, this does not take into account the losses that come with delaying retirement.

Pension is definitely not as money-saving as everyone thinks! In financial practice, the necessary expenses for living after retirement are generally 60% to 70% of those before retirement. In addition, many unexpected expenses will follow.

We don't consider inflation for the time being: if you are ready to retire at the age of 60 and need to spend 1,000 yuan per month after retirement, we will need a pension of 1,000 12 20 = 240,000 yuan according to the average life expectancy of 80 years old, and if you are 2,000 yuan per month, you will need:

2000 12 20 = 480,000 yuan pension.

In fact, it is impossible to avoid inflation for decades, if we calculate with 3% inflation, if we spend 1,000 yuan a month and live a life expectancy of 80 years, then we will need to spend 580,000 yuan; If calculated based on a monthly expenditure of 2,000 yuan, it is 1.16 million yuan.

I can't say. I'm afraid that the current million saved will be able to buy catties of eggs when you retire!

Commercial pension depends on how much money you pay, there will be a great return

This is not certain, the price has always been **, just make more money.

As long as you are healthy and not sick, it doesn't cost much to eat and drink.

It depends on the person, the region, and the gender of the man.