How much money do the elderly save to support their old age?

No serious illness, normal salary in the case of a house, 200,000 deposits.

In big cities, if you have a house, a car, a pension, and a deposit of 10 million, you can retire with dignity.

If you don't have a pension in the countryside, you can save 300,000 yuan at the age of 50, and your basic life can be solved, but it doesn't include illness.

It depends on whether you are healthy, healthy, your salary is not exhausted, you are sick, you are sick, you are sick, and your monthly salary of tens of thousands is still far from enough!

If you are in a first-tier city, under the premise of social security and commercial insurance, you can store 1.5 million funds, and you should have a relatively good additional income by relying on interest. As for the second-tier cities, it is about 800,000 yuan, and the third- and fourth-tier cities are about 30-500,000 yuan, so that the personal old life will be better enriched and improved, and it is also an important embodiment of improving the happiness of the old age.

According to the age of 60, the monthly living expenses are 1200, 150 for water and electricity, 16200 for this year, 2400 for heating, 1500 for cable TV networks, 1000 for clothing, 2000 for medicine (not a serious illness), 700 for residential property, a total of 23800 yuan per year. According to the life of 85 years old, a total of 595,000 yuan is required.

In Beijing or first-tier cities, according to the minimum standard, at least 3,000 yuan per month, from the age of 60, there are 25 years to live to the age of 85, you need 90-1 million, 70-800,000 in second-tier cities, 50-600,000 in third-tier cities, and 400,000 in rural areas.

Of course, the more the merrier, there is enough money in hand, children are competing to raise, there is no need to ask others for help when they are seriously ill, and the initiative is in their own hands, which is the reality of the current society.

From 60 to 80 years old, 1,000 yuan per month = 12,000 years, 20 years = 240,000 yuan, excluding sick doctors, sick expenses are bottomless.

How much does it cost to retire? This is different for everyone, living within their means. Anyway, the basic national conditions are like this, and all those who receive pensions are raising their children and grandchildren.

Those who do not have pensions are earning their own food, and rural elderly people in their seventies and eighties pick up Coke bottles or pull them in the fields to reduce the burden on their children and grandchildren. But when they were young and middle-aged, they were silently contributing to the country, and the food they grew in the wind and rain all year round provided to the city people. Now I dare not pay a monthly salary of 6,000 yuan per month, and only ask for a basic living guarantee of 1,000 yuan per month.

First, according to the level of one's pension, two or three hundred thousand for more than 5,000 is enough. The lower is more. Second, according to the quality of your own health, hundreds of thousands of good health is enough, and you need to be taken care of by others at all times, of course, the more the better.

Our farmers here have 500 yuan per person per month per month, which is enough for basic living expenses, not including medical treatment. The cost of medical treatment may not be for children, and it is not clear for other areas to spend more for major illnesses and less for minor illnesses.

My parents have retirement salaries, my dad will have four years to retire, they can manage their own expenses and save some, my husband's parents are rural, the health is not good, last year a illness spent all the money we had saved to have children, and owed a lot of credit cards, now the two are in their fifties and don't do anything, we are in our early thirties, there is no house, no car, and there is a car loan every month, and there is no deposit, even the children dare not ask, because they have no money to find us, Not to mention what it will be like to really get old in the future, only relying on us, I have a lot of psychological pressure when I think about it, they can't help us with anything, even the marriage is my own money, they don't say anything, because they are too poor, I used to think that as long as the body is better, I will be poor, at least I won't drag us back, how do I know that the next year he will be seriously ill, and his life is saved but he has to take medicine for a lifetime, I regret it now, when I get married, I should let them give the bride price, no matter how they borrow it, they can't be soft-hearted, A daughter-in-law who doesn't spend money is worthless, and it's not a pity to leave.

Practical experience: After 60, the old couple can live at a low consumption level of 1,500 yuan a month in the third and fourth tier cities.

It's hard to say that the regions are different, I can't say, 1 million in the metropolis, 5o million in the small city, I think it's about the same, [say that there is no retirement salary].

My parents' retirement salary is only 8,000 yuan a month, no savings, my father-in-law's monthly pension is 4,000 yuan, there are 60,000 savings, they are also very happy in Shanghai, most of the old people in Shanghai are like this, and now they are nearly 90 years old.

At the end of a month, it's about 300 yuan online, I'm just talking about people in the countryside. With your own ten yuan a day to see if you are sick, how many kinds of diseases you have, the degree of encouragement of the disease, whether you are serious or not, like to travel and other money-burning projects. In addition to "extra consumption", normal life does not cost much money, and the elderly do not need big fish and meat, coarse tea and light rice, which should be lower than the local standard of living.

There is no comparison with this! The old people in the countryside spend more money than the old people in the city!

If you have a pension, 900,000 deposits are enough for retirement, and you can get about 30,000 yuan in interest a year. Coupled with a pension, the old couple live a very nourishing life!

We all had a hard time when we were young, and now that we are old, we have to work for our children, isn't it worth it?! When you are old, you must have your own house, your own pension, and hundreds of thousands of pension money to prepare, so that you can protect yourself.

I don't have a lot of pension, enough to eat, I have medical insurance, and I can see minor illnesses. There is a room to live in. If you get seriously ill, no amount of money is enough. You have to save 200,000 or 300,000 yuan in case you need it. This is not enough in the town area on our side, and the big cities are not enough.

An old man, as long as he has five social insurances, saving another 150,000 yuan is enough to enjoy his old age, provided that he is in good health. I calculated it at the current level of consumption, and I don't know about inflation in the future.

Retire at the age of 60 and live to the age of 80, at least 200,000 yuan per person, and it is better to have a retirement salary and commercial insurance escort.

Three hundred yuan a month is enough, you think that the educated youth did not even have electricity in the countryside in northern Shaanxi, and now there are three eggs and five steamed buns a day, how good.

The elderly don't get sick and don't need much money, in fact, they need a sense of security that their children can rely on.

I am so happy compared to others, with a retirement salary of more than 8,000 per month, extra money earns more than 10,000 per month, and my daughter pays back 30,000 per month. Thank God for being so kind to me.

The third-tier cities have about 400,000 yuan, the key is that they are afraid of cancer, and I heard that it will cost a lot of money, and there are many self-financed medicines, and there is no sense of security when saving some money.

However, if calculated according to the national average level, pension is divided into two kinds: first, in the case of a pension, the elderly only need 20-300,000 deposits, you can live a comfortable pension life, if an old man's pension is 3,000 yuan, two old people are 6,000 yuan, enough to live a comfortable old age.

And save 20-300,000 deposits, just take the interest of the deposit to make up for the expenses, improve the quality of life, and the elderly in case of illness**, even if there is medical insurance, they have to pay for this part of the medical expenses. Elderly people with pensions do not need to save too much money to provide for their old age.

The second is to take out a sum of money every month for living. Now the per capita consumption level in China is 2,200 yuan, and the average life expectancy is 77 years old, which means that the elderly retire at the age of 60, there are 17 years of retirement life, so it is calculated as: 10,000 yuan per year, 17 years of life in old age, each old man has to save 10,000 deposits, enough to provide for the elderly, if you add the cost of medical treatment, an old man must save at least 500,000 yuan to support the elderly, if it is two old people to 1 million yuan.

In addition, retirement is provided through interest on deposits. At present, the average pension in China is basically about 3,000 yuan, and the interest on the three-year deposit of state-owned banks is, which means that if you want to save 10,000 yuan, the average annual interest income is 3,000 yuan, so that you can rely on interest to provide for the elderly.

Of course, if you deposit your money in small and medium-sized banks, and the deposit interest of small and medium-sized banks is, then as long as you deposit 780,000 yuan in the bank, you can get an average of 3,000 yuan per month. If it is two elderly people, the deposit will have to be doubled to 1.56 million. This does not include medical expenses after the elderly fall ill, only daily living expenses.

If you want to live a comfortable retirement life, the best way is neither deposit pension nor pension, but a combination of deposit interest + pension, deposit interest can make up for the lack of pension, so that life can be more abundant. Of course, it is also possible to provide for the elderly by receiving a pension, but most people may have a little tight life. On the other hand, the interest rate of the bank has been fluctuating, and inflation is rising year by year, so it is easy to retire through the interest on deposits or withdraw a sum of money every month to retire.

Some people work hard to save money when they are young, just because they want not to drag down their children when they are old, but some people will be curious about how much money to save for the elderly? Post-90s.

How much money to save for the pension has a lot to do with the local consumption level and the place where it is located, if it is in a first-tier city.

Basically, the problem of saving 4 million pensions is not big, but if it is some second-tier cities.

Third-tier cities don't need so much money, 3 million is enough.

Because the consumption level of urban life is relatively high, so you need to spend more money, if you want to live a comfortable life in old age, it must be to save a relatively large amount of pension deposits, in order to maintain.

But like in the countryside, basically there is no need for so much money, because the consumption level in the countryside is not as high as in the city, and you can also grow some vegetables, basically the cost is not much, assuming that you use 10,000 yuan a year, if you live for 17 years in your later years, then you can retire with a deposit of 10,000 yuan, and you can basically save 500,000 yuan to support the elderly.

The second thing to pay attention to is some of the expenses of seeing a doctor, after getting old, all aspects of the body are not as good as when you are young, you need to go to the hospital for regular check-ups, these will cost money, if there is medical insurance, in fact, you can save a lot of money, but you still have to save some money to see a doctor, after all, the future is unknown, or save a little more money to feel more secure.

<> 30-year-old resigned after saving 1 million yuan for the elderly, the news has attracted everyone's attention, and it has also caused a quiet discussion on how much money to save to achieve pension freedom. This problem should be analyzed from many aspects, including the realization of pension freedom must save enough money to meet the needs of life, there is no need to worry about money in daily life to achieve pension freedom, and the amount of money needed for pension freedom is different in different cities.

1. If you want to achieve the freedom of retirement, the money you save must be able to meet the needs of life. One of the most basic requirements for realizing retirement freedom is that the money you save must be able to meet the needs of life. This is a basic condition, only in the daily clothing, food, housing and other aspects can have a good state, can be regarded as the goal of pension freedom.

Specifically, as long as the money you save must be able to cover your daily expenses, you can be called a retirement freedom in this state.

2. There is no need to worry about money in daily life, and only in this state can it be regarded as realizing the freedom of retirement. Compared to the above situation, the state of pension freedom at a higher level is that there is no need to worry about money. In this case, you can spend money according to your own wishes in your daily life without worrying about not having enough money to spend.

3. Living in different cities, the amount of money needed to achieve retirement freedom varies. Due to the different development status of different cities, the amount of money that people living in different cities need to save to achieve retirement freedom is also different. Specifically, the cost of living in big cities is higher, and the amount of money needed to save for retirement freedom here will be higher.

The cost of living in smaller cities is relatively lower, and the amount of money needed to save to achieve retirement freedom is much smaller. Therefore, there is no single answer to the question of how much money to save to achieve retirement freedom, and only in combination with the actual situation of the individual and the state of the city in which he lives can he draw a specific conclusion.

How much money to save to achieve retirement freedom, this question varies from person to person, depending on the individual's pension needs and expectations, the consumption level of the pension area, the return on investment, inflation rate and other factors. Here are some general guidelines for mountain calling, but they don't apply to all situations:

Calculate your annual expenses: Estimate your annual living expenses during your retirement, including food, housing, medical care, transportation, and more.

Consider longevity: Consider the life expectancy of you and your spouse to determine how many years you need to save for your pension.

Consider inflation: Inflation can affect your retirement savings, so consider the impact of inflation on future spending.

Consider ROI: If your retirement savings can be rewarded through investment, consider ROI.

Based on the above guidelines, it is generally recommended that retirement savings should be sufficient to cover your expected annual expenses and calculated based on your life expectancy. Generally speaking, experts suggest that in order to achieve retirement freedom, retirement savings should be 20-25 times your expected annual expenditure, which means that if you expect to spend 100,000 yuan per year, then you need to save 200-2.5 million yuan for a pension. Please note that this is only a general recommendation, and the exact number may vary from person to person and should be evaluated and planned according to your actual situation.