This year, you have 200,000 savings in your 50s, and now you are going back to the countryside to re

If you have a deposit of 200,000 yuan, it is still very possible to retire in the countryside, and the consumption level in the countryside is generally relatively low, and you can be self-sufficient.

Everyone's situation is different. The most important thing is how you think about it, if you have a pension at home with a certain amount of savings, then you can indeed go home to raise it.

Of course it is feasible, in the countryside, you can consume up to 50 yuan a day, but the premise is that you have a rural homestead, otherwise your 200,000 yuan is not enough to build a house.

In first- and second-tier cities.

If you can eat and clothe yourself, you can live freely in a small city! But there is a premise: the house and 2 million deposits must generate passive income to support daily living expenses!

Otherwise, only 2 million deposits may not be able to guarantee a good life, because China's pension peak is coming, and the commercial pension industry will definitely greatly increase the living expenses of the elderly! Therefore, how to use existing assets to increase passive income is the guarantee of enjoying old age!

1.Excess properties for rent, choose the rental method according to the location of the property and **! Good location, high turnover, daily rental is the main option.

The daily rent is characterized by a high income, but it needs to be taken care of by the channel! If you have a small turnover, choose a long-term rental to reduce the cost of caregiving! It is planned to have 2 million cash and 500,000 yuan as a living guarantee, and make a large deposit in the bank.

500,000 buy high-dividend bank stocks, according to the dividends of bank stocks in recent years, it can reach 6% per year! Through asset management and capital operation.

Increase passive income and achieve financial freedom.

It is natural to retire early.

Live a life of freedom and ease!

2.If you don't consider the problem of children, 2 million deposited in the bank, the annual interest may be thirty or forty thousand, or 3,000 per month. Because it is not yet the official retirement age.

There is no pension.

Life is a bit stressful. What's more, the deposit rate is much lower than the inflation rate.

The 2 million principal deposited in the bank will actually depreciate in value, and the purchasing power will become smaller and smaller. In 15 years, those 2 million may only have 1 million purchasing power. The amount of interest generated by the deposit seems to remain the same, but 3,000 yuan in 5 years and 10 years will not buy much and may not be able to meet your basic living needs.

It's a bit difficult to retire early and enjoy your old age.

3.With a deposit of 2 million, the monthly interest should be around 5,000 yuan, and it should be enough to save some money for food and drink; If you have a house and a car, there is no problem with rent loans. If there are special circumstances, you can use your savings to a certain extent, but you don't have to worry too much, because if you are a female worker, you can retire at the age of 50 and get a pension.

Dependence on interest income will be reduced. However, try not to use the principal before retirement, and ensure that the interest income is not less than 4000, which is the basic living expenses. However, you can't do expensive travel and travel until you actually retire and receive your pension, otherwise your principal will be consumed a lot, and your interest income may not be enough to live on.

Everyone has their own interests. If you can accept a simple retirement, you can still retire. But when it comes to enjoying retirement, it is estimated that you will have to wait until you receive a pension.

I think this idea is definitely not feasible, the reason is that you don't have a fixed income, or not a fixed income, the income is definitely there, if you just sit in the car and can't bear it quickly, because you will always encounter all kinds of changes, if you can't come up with a solution in this, then I think it is definitely not feasible. You calculate, you are only 45 years old now, you may have 30 years 40 years or more in the future, this is at least, in case you are sick, in fact, it is such a thing, in fact, we live in our hometown is a good idea, but sometimes may not be able to bear, people eat grains, there is always a time to get sick, if you are sick when you do not carry it, then your money is definitely not enough, such a thing. Actually, I think about a lot of things, in fact, in real life, we all encounter these problems.

So you can find a job, this job does not need to say that you make a lot of money, but can make your life more abundant, this is the most important thing, a lot of money work you will definitely be physically exhausted, if you are physically overdrawn, it will accelerate your life. In fact, many people in real life don't know that life is limited, and they accelerate the rapid burning of their lives, and the result is a predictable thing, so I think your idea is very good, and I like this idea very much, but you only rely on this method of sitting and eating nothing, I think it is definitely not feasible. So I think you're still thinking about this method.

2 million is not much, but it is not too little, if you have parents and wives and daughters, there is still a certain amount of pressure, but also refer to their opinions, you can take part of the house to buy a house for decoration, and the other part to take financial management, and then find a more relaxed career.

To sum up, from all the conditions, at the age of 45, with a family and children, 2 million savings alone is not enough for you to retire early

For an ordinary family, it's a lot, but if you don't do anything and sit on the empty side, to be honest, I don't think it's very reliable.

As we all know, pension is the most basic way to ensure everyone's life after retirement in their later years, so that most people participate in pension insurance.

Later, that in accordance with the retirement age.

After the provisions, you can get a basic pension treatment, of course, the pension treatment is not very high, because of the pension treatment, especially the retired employees of the enterprise, its pension treatment is relatively low, probably only 40 60% of their salary income during the work, due to the replacement rate of the pension of the staff of the enterprise unit.

The breadth is still relatively low.

Even if he is a personnel of an administrative organ or a public institution, after he retires, he will not be as good as his actual salary during his work, and its replacement rate is relatively very high, reaching the level of about 70 to 90 percent, in other words, after the personnel of administrative organs and institutions retire, they will receive the treatment of retirement pension, which is somewhat higher than that of the staff of the enterprise unit who receives the treatment of retirement pension.

But some of our clan elders are very likely to have not paid their own personal social security.

But there are deposits, and the deposits are very high, if there are 2 million deposits, then such a 2 million deposits must be able to ensure the life after retirement in the later years, we can simply say that 2 million even if he makes a slippery ordinary on-time financial investment, the annualized return of each year is calculated according to 5%.

Therefore, I firmly believe that the elderly who have a lot of savings may not really care about this pension, after all, through some investment and financial management.

Personal behavior, and even according to some more radical investment and financial management personal behavior, the annualized income can even reach 10%, it is obvious that his annual income is basically very high, so the pension is relatively insignificant, so the pension is not the only one, everyone pension a guarantee, but the economic development conditions are limited for the group, that is the most basic guarantee, this must be noted.

Under the premise of not having any income, we still have to participate in the pension insurance as much as possible, so that we can get the pension treatment in the future.

It doesn't matter then, because according to your own savings, financial management and investment can make you complete the old age and rely on the old.

A 50-year-old does not have pension treatment, but has 2 million in savings. The 2 million can be invested in treasury bonds, bank deposit products. Don't go overboard with high yields. It is the most reliable to formulate a more reasonable investment and financial management plan for yourself.

Because you are now 50 years old, if you have not paid social security before, there is no need to pay now, and you will not pay for 15 years when you retire at the age of 60. So in this situation without social security, your future old age life will rely on the principal and interest of 2 million dates and land to be guaranteed.

If a 50-year-old person does not have a pension, but has enough savings, he can also use this savings to retire, and he can buy some medical insurance according to the actual situation.

I really don't know, I haven't understood, and many people have big questions about this issue.

Your statement makes people doubt, you are 60 years old and have no children, so do you have a wife? Regardless of whether there is one or not, you can apply for a low-income household first. After a few years, you can apply for five insurance households.

The suspicion I am talking about is that the wealth is not exposed, since you have disclosed that you have 200,000 yuan in savings, it seems difficult for you to apply for the minimum security and the five guarantees in the future? This is because the Dibao and the Five Guarantees are designed to help people who are more difficult and completely incapacitated to work and need to be supported by the state. In your case, the safest thing is to ask the Social Security Bureau if there is a one-time payment of 15 years of social security, and if you pay the social security, your retirement life will be safe.

At the age of 60, you have no children and no daughters to apply for the "Five Guarantees", the state provides for the elderly, this country has regulations, you have 200,000 yuan at the age of 60, and you have a house in the countryside, then you are still very rich in your later years. According to 30 years, the average annual cost is 6,000 yuan, 50 yuan a month, 1 yuan a day, 6 cents 7, as long as you do not exceed this number of 600,000 yuan a day, it is enough to spend, to you are 90 years old and there are 20,000 yuan in your hand, I estimate that it should be about the same, you usually have some income in all kinds of land, if there is no disease and no disaster, I think your life is still quite good according to the current situation of rural farmers! I think 90% of the rural elderly in the countryside are not as good as you, I wish you good health!

Good luck! With the improvement of living standards, the level of medical care continues to rise, followed by people's life expectancy. You also have to figure out that the inflation rate is around and around, and the currency depreciation rate is 6. That is, if you have 10 yuan in your hand, it will be 9 yuan 4 next year.

Although the bank gives you interest money, it is actually money for currency depreciation. In order to ensure that your money does not depreciate, then let the money flow, so that the return on the investment is greater than 6. 200,000 yuan in the countryside, although it is more economical to eat and drink, but it can't withstand a serious illness, and he is old and has no children and no daughters.

Many years ago, you could buy a cow for 2,000 yuan, but now you can't even buy a pig. For this reason, it is recommended to take advantage of the country's new energy to install a photovoltaic power generation to stabilize the income for decades, and there is no need to take care of it. It's pretty reliable.

Take 10kw photovoltaic power generation as an example, invest 30,000 yuan, and the annual income of Xiangyang, Hubei Province is about 5,000, basically 6 years to return to the cost, and the life span is more than 30 years (you can go online to popularize science)! Of course, there are better investments, don't be deceived, ** prison.

200,000 yuan for the elderly is not enough, because in addition to daily expenses such as food and clothing, it is also necessary to treat diseases, which is a bottomless pit. So, while you're still in good health, start a small business or do something else to make more money.

If you have no children or daughters, you can apply for a five-guarantee household at the age of 60, and the five-guarantee household is still worried about the pension problem?