How can young people prepare for retirement in advance?

Pension, also known as pension, retirement fee, is the most important pension insurance treatment, looking for a job to find this kind of money, every month to save some money slowly for a long time to accumulate, you can, buy an insurance for yourself. The main thing is to save more money for yourself. Learn to make money, learn to operate, learn to save money, so that you will have money for retirement.

While I am young now, I can find more jobs, have my own mind, earn more money, and after making money, I can make money for myself, and now I have insurance, and I can take out an insurance. The main thing is that the economy is high, will save money, and believe in yourself. Work hard to earn money to save money.

To have a stable job and a stable income, first of all, you must have material security, and you don't have to worry about funds when you are old, the second is eugenics, and the corresponding national call is to ensure that the old have something to rely on, and the third is to maintain a strong and healthy body, and the body is the capital of the revolution.

When you are young, find a stable job or start a business, work hard to earn money, save more money, don't eat and drink, and then buy an endowment insurance. When you buy insurance, you must buy the kind that you pay once a year when you are young, and you can use it when you are old.

Young people should not only respect the elderly, be filial to the elderly, love the elderly, but also prepare for their own pension as soon as possible, but they cannot enjoy a reliable economy in their later years. So we have to try to make money and prepare as early as possible. At the same time, we should also honor the elderly and prevent children from following our example.

If you have a good life, don't think about these pension issues, because after all, you are still young, and we must develop for the people and things in front of us. You can't go there and think so much, because people's lives are relatively long, so we have to cherish everything in front of us.

If I want my husband to live well, I should give her an environment for a happy life, because the elderly are more vain and caring, they are like a child, we also have to think about some problems in their direction, not to think about some superficial things.

First of all, in terms of funds, we must save more money for the elderly in our current life and work, and we will not worry about lack of money when we are old. Secondly, we must improve our own temperament, born from the heart, and the temperament left behind when we are young will be reflected in our old age.

Some people do earn enough money and retire early, but there are also people who take the initiative to reduce their material desires and live an ideal life by breaking away.

For most people, who are unable to make a lot of money, Chi Gao's best way is to save more money.

Daily expenses can be roughly divided into two categories – rigid expenses and flexible expenses.

The so-called rigid expenses are those that must be spent, such as rent, loans, etc.; Flexible spending, usually to improve happiness, such as visiting restaurants, traveling, etc.

If the rigid expenses exceed 60%, such as a monthly salary of 10,000 yuan and an expenditure of 6,000, it is basically difficult to save money.

Ideally, the rigid expenses should be less than 50%, plus 20% of entertainment consumption, and the remaining 30% should be saved.

Of course, if you want to fire as soon as possible, it's no problem to open the yard and lower it a little more.

2.Find the right financial products to achieve long-term returns.

Early retirement means a lot of time, and how to get long-term and stable income in the future is crucial.

Save enough for 25 times your annual expenses to achieve early retirement:

For example, if your monthly expenditure is almost 5,000 yuan, then it is 60,000 yuan a year, and 25 times is 1.5 million yuan.

When you save enough 1.5 million, you can retire.

Although I yearn for early retirement, I am still skeptical about the 25 times.

If you don't get sick after retirement, don't have other major necessary expenses, and this part of your savings can maintain a steady growth of 4%, 25 times should be enough. Second, there is also a large difference between people and people's incomes.

Some people earn 3,000 a month when they check it, and some people earn 30,000 yuan a month, and the difficulty of saving money is completely different.

Of course, some people may start earning less, but the growth rate is very fast, so it should also be taken into account.

In addition, it is also related to the personality of the person.

I know a girl who has money in her family, but she is very thrifty, and she has saved all the money given by her parents, and she has already saved more than 200,000 yuan just after graduating from college.

Of course, there are so many people who can't make a lot of money, but they spend money everywhere.

Therefore, how much to save for retirement should be considered according to your actual situation.

What can young people do to prepare for their retirement in the future?

A: The most important thing is to save money. Young peopleIf you work in a private enterprise, or work part-time, or are a farmer, you have to learn to save money from a young age. Pension insurance is paid from the age of 30 to prepare for the age of 50 and later.

Buying a house, buying a car, saving some money, has been prepared for emergencies, money has confidence, rich old people will not have to worry about the future.

Young people, to learn to take care of their body from a young age, good health is also the capital of the elderly, if the health is not good, to old age, will not be good.

Young people should also have a harmonious family, family harmony, respect for the old and love for the young, and raise children to prevent old age, which is also beneficial to the future pension.

In short, bright pants, young people take advantage of their youth, contribute more, earn more money, and save more money. Exercise your body. Educate your offspring. It is the preparation of cherry jujube for the elderly in the future.

To achieve the freedom of old-age care, it is necessary to save money, and there is a guarantee for the life of the old, but there is no specific requirement for the specific amount, and the 34-year-old master's degree saved 1 million to resign to raise the old, in fact, it is very necessary, in my opinion.

1. People should understand the fact that the economy is the foundation and health is wealth, and if they have both the foundation and wealth, they will have the necessary security in their old age.

Although the era of old-age pension and anti-aging has not passed, but the pension should tend to diversify, as an elderly person who does not want to palm up and will feel embarrassed by the palm up, so saving money for their own pension is the last word.

Asking for children's money with the palm of your hand up is not the first choice in your later years, but the back road you have to take when you have no way forward in your later years.

We all know that it is better not to go back to the road, even if you take the back road, it may not work, after all, whether the children have the power to give money or whether the children have the heart to give money is still unknown, so it is best not to verify in your lifetime, it will not cut the money of your children, or it will chill your heart, the reason why the back road is best not to go, is because the back road is full of unknown coefficients and bumpy ways, only you can save money for your own pension is the most reliable, no one can be reliable.

Second, it is necessary to shout and save money, but you can't save money for the sake of saving money, if you use squeezing or pressing situations to cut back on food and clothing, and then collapse your body, the gains outweigh the losses.

Although raising children and preventing old age is an inherent concept of Sun Shengye, it is necessary to make adequate preparations and plan as much as possible, only in this way when a plan does not work, a backup plan can solve the urgent need.

Whether you save money in your later years is related to whether you have confidence, and at the same time, it will also be related to whether you have the initiative, the right to choose and the right to speak. If you can save more money, you can save more money, since you can let your children pay less or not pay, it will also greatly reduce the probability of losing your filial son before the bed of a long illness.

Find the right financial products to achieve long-term returns. Early retirement means that there is a lot of time, how to obtain long-term stable income in the future, it is very important, and there is no need to worry about money in daily life, so that the state can be regarded as the realization of retirement freedom. 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.

This state can be called the real freedom of retirement, to achieve this state of need to save more money, to be able to meet all their needs in order to achieve the goal of the goal. The amount of money needed to achieve retirement freedom varies from city to city. 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. You can open a personal pension account, take out a part of the money every year, and enjoy tax incentives through the personal pension account.

Select exclusive pension products that meet national regulations, such as pension deposits, pension wealth management products, pension insurance, pension insurance and other personal pension products, and meet the needs of pension investment in one stop. Someone has already built his pension fund portfolio through the method of large-scale asset allocation, and has achieved the first step of pension planning: let the pension cash flow flow for a long time.

For example, he has calculated how much he will spend after resigning, how much money will be recorded in his account, maintain a steady stream of cash flow, and initially meet his pension needs.

It is necessary to determine the annual living expenses you will need in retirement. It depends on your lifestyle and needs, such as housing, food, healthcare, travel, etc. Consider retirement time and life expectancy:

Your retirement time and life expectancy can also affect the amount of money you need to save. If you plan to retire at an earlier age and have a longer life expectancy, you will need to save more money to ensure that your retirement pension lasts until the end of your life. If you plan to retire later in life and have a shorter life expectancy, you'll need to save less money.