At the age of 40, I plan to save money for retirement, how much is the right amount to save each yea

From the age of 40, prepare savings for retirement, how much money is more suitable for saving each year?For us, it is not correct to retire according to the way of savings, it is not in line with reality, what is going on?Due to bank deposits.

It is usually a case of price drop, which can not resist the risk of inflation, can not resist the impact of the increase in the price level, and can not resist the increase in the income index of residents, so it is not suitable to provide for the elderly according to the form of deposits.

In that case, we must first judge the problem of social security in the case of pension. Due to the social security according to the individual.

Pension is more appropriate, as long as we participate in personal social security is actually the personal social security involved in the employee pension insurance.

After participating in this employee pension insurance in that way, and making sure that you are at retirement age.

It is stipulated that if the cumulative contribution period is more than 15 years, you can receive a basic pension.

treatment, and this pension treatment can be received for life.

Therefore, the social security pension method is the most suitable, in fact, it is also the most common method of pension in China at this stage, most people are relying on their own pension to achieve their dream pension treatment. Therefore, if you don't have social security, then start today to participate in a basic pension commercial insurance.

Or it is not yet, because at the age of 40, both men and women can ensure that they can achieve the cumulative payment period of 15 years before the regular retirement age, because men are 60 years old, so there are 20 years, so women are 55 years old, so there are close to 15 years.

Naturally, some people may already have social security, and I save a sum of money to support myself under the premise of personal social security, in fact, this idea is completely fine, and the natural deposit is not very suitable, what is going on?Since the deposit is finally it this yield.

It is a rather limited resource, and the relationship between the deposit after a certain number of years and the deposit of many years today is not an equal amount, and it will lead to the decline of the currency due to the fall in the value of the currency.

We through another way, in fact, is to buy some commercial pension commercial insurance, this kind of commercial pension commercial insurance has a characteristic, that is, you pay a certain period of fees in accordance with its provisions and, so that the future is a lifetime pension treatment, so to speak, in the basis of social security to buy a commercial pension commercial insurance, such a pension arrangement is more appropriate, in fact, for my guarantee are more profitable.

It is just a commercial pension commercial insurance, and one thing must be paid special attention to is that it cannot be replaced, and the employee pension insurance in our own personal social security. If you don't have employee pension insurance, then you have to participate in a personal social security first, and naturally people who don't have a work unit can still be hired flexibly.

Under the premise of employee pension insurance, it is more appropriate for everyone to participate in commercial pension commercial insurance, after all, it can make us get a part of the pension treatment.

Basically, a monthly pension of 2,000 yuan for urban residents can meet various needs, while a monthly pension of 1,000 yuan for rural residents can. However, these two sums of money are based on current purchasing power. If the per capita income is used as a benchmark, the pension that needs to be prepared will increase by 8% to 10% per year.

In 2018, the national per capita disposable income was 28,228 yuan, a nominal increase over the previous year. Of course, such a speed is difficult to maintain. At the age of 40, if the pension plan reaches 80 yuan, now the monthly cost is 2,000 yuan, and after 40 years, the monthly cost will be 56,000 yuan.

This is almost impossible when the value of the renminbi is largely stable.

Save 30,000 to 50,000 yuan a year, so if you save for 15 years, you will have 450,000 to 750,000 yuan, as long as you don't get seriously ill, you should be enough to support your old age.

Personally, I think it is more appropriate to save about 50,000 yuan a year for retirement at this age, but it is just a personal opinion.

If you want to save money for retirement, you can decide according to your work income and the local comprehensive level. The pension money should be about 200,000 yuan before it can be used.

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

A 40-year-old should have a deposit of about 1 million, because you also have to save money for your children to buy a house.

A 40-year-old person should have a deposit of about 500,000 yuan, which also needs to be decided according to personal conditions, everyone's economic strength is different, and the income is also different.

A 40-year-old should have 200,000 in savings. Because 40-year-old people are under a lot of pressure, and they have a lot of loans, it is already very good to have a deposit of 200,000 yuan.

300,000 deposits, which is the minimum bottom line, 40-year-olds will notice the importance of deposits.

At present, China's four major banks have launched pension savings products, which can help Chinese save money for retirement.

1. Bank of China: Bank of China's "Health Pension Insurance Savings Plan" can help customers over 40 years old to deposit funds regularly every month, and the cumulative deposit funds reach a certain amount, and they can obtain the insurance plan provided by the insurance company, which can obtain a certain degree of protection.

2. ICBC: ICBC launched the "Health Pension Savings Plan", customers can choose the monthly fixed savings amount, and on the specified maturity date, customers can obtain the insurance plan provided by the insurance company, and can enjoy a certain degree of protection.

3. China Construction Bank: CCB's "Pension Security Plan" is pure Wangsui, for customers over 40 years old, you can deposit funds regularly every month, and the cumulative deposit amount reaches a certain amount, and customers can obtain the insurance plan provided by the Gongling Prefecture Division of Insurance, and can obtain a certain degree of protection.

4. Agricultural Bank of China: The "Pension Security Plan" launched by the Agricultural Bank of China is aimed at customers over 40 years old, who can deposit funds regularly every month, and the cumulative deposit amount reaches a certain amount, and customers can obtain the insurance plan provided by the insurance company and obtain a certain degree of protection.

Summary: The pension savings products of China's four major banks provide customers over the age of 40 with regular monthly deposit services, and the cumulative deposit funds reach a certain amount, and they can obtain the insurance plan provided by the insurance company and enjoy a certain degree of protection.

For the 40-year-old customers of Liang Liang Sun Yun, the pension savings launched by the four major banks can choose a small amount of monthly pension savings and accumulate them within the period, so that the funds can benefit from the interest provided by the bank and can flexibly withdraw funds.

There will be no early retirement or retirement.

If you don't go to work at the age of 40 and rely entirely on the 1 million savings to eat interest for the rest of your life, you will never be able to live in this way, but you can survive if you want to, and the following will be analyzed.

First of all, calculate how much interest you can get per year for a deposit of 1 million? According to the deposit interest rates of major banks in 2020, the annual interest rate is about 4% according to the current five-year smart deposit negotiation.

The annual interest rate of the deposit is calculated at 4%, and the annual deposit interest is 40,000 yuan for 1 million deposits.

Then, further analysis is that only 40,000 yuan of interest per year is not able to live, but can survive; It must be clear that life and survival are two different probabilities, and the costs are completely different.

Life is to eat, drink, and sleep are ordinary days, you must know that 40,000 yuan per year, an average of about 3,300 yuan per month; According to the standard of living in 2020, even on the basis of having a house and a car, every month is a life of poverty.

According to the analysis of the current consumption level, with 3,300 yuan per month, you can indeed live an ordinary life. But don't ignore one point, the current is 40 years old, and the days ahead are still long, according to the average life expectancy of a person is 78 years old, and there are still 38 years in the future.

In the next 38 years, you must ensure that you are smooth and smooth, you can not have large expenses, and you can also ensure that you cannot get sick, once you get sick and go to the hospital, I am afraid that this money is not enough to see a doctor, and there is no money to maintain your life.

Secondly, it is important to consider the factor of currency depreciation, since the current age of 40, there are still 38 years in the future, and as time passes, money will become less and less valuable.

Calculated based on a 3% currency depreciation per year:

After 10 years, 40,000 yuan is equivalent to 10,000 yuan in purchasing power.

20 years later, 40,000 is equivalent to 10,000 yuan.

After 30 years, 40,000 yuan is equivalent to 10,000 yuan.

40,000 yuan after 38 years is equivalent to 9,500 yuan.

According to the estimate, the annual expenses are only about 9,500 yuan, with an average of 791 yuan per month; According to the current consumption level, you will only be given 791 yuan per month, can you maintain your life? Definitely not, as long as you don't starve to death, you can survive.

Finally, through the above analysis, the answer is that if you don't go to work at the age of 40, you will never be able to live on 1 million yuan alone, and you will be far from meeting the standard of life. This little money can only survive, ensure that there is something to eat every day, and it is okay not to starve to death.

Because I'm only 40 years old, I still have to be very young. There are still decades to go, and with the future currency depreciation, 40,000 per year will become.

With a purchasing power of 9,500, 1 million becomes 240,000, and money is becoming less and less valuable.

So if you don't want to go to work at the age of 40, you can rely on the 1 million yuan to eat interest, unless there is other passive income, which can increase the expenses that can be spent. If you don't have any other passive income and really want to live comfortably in the future, the best thing to do is to go to work with peace of mind and continue to work hard to make money!

I think five million is more than enough, but that's just for me personally.

As grassroots workers, everyone hopes to achieve financial freedom and retire one day earlier. However, if you want to retire early without affecting your quality of life, it may require a lot of wealth to support your later life.

How much you save to meet later in life has a lot to do with the area you live in and the quality of life you require. I live in a small N-tier county, and my current salary is about four or five thousand yuan, and my annual income is only about fifty or sixty thousand yuan. Although this income is not very rich, it is basically enough to meet the needs of life.

If you live in a provincial capital, this income will be a little difficult for a person to live on, and if you live in a city like Beijing and Shanghai, even eating may become a problem. In addition to the area where you live affects your daily consumption, the quality of life also has a big impact on the amount of money you need later in life.

Whether three meals a day is commonplace, or always eat seafood and abalone, the difference in the amount of money spent is huge. I don't think anyone can give you an accurate answer about how much money you will spend in your future life, we can only make more money and try to make our later life richer.

For me, 5 million is enough. The reason why I give this number is because my lover went to the bank some time ago to deposit a fixed amount, and the interest given by 100,000 yuan for two years is 6,000, and 5 million is 300,000 interest. According to the current standard of living, the average annual interest income of 150,000 yuan is enough for the two of us to live very comfortably.

When the state of the wild is so, this situation only applies to me and my family, and it is not meaningful for others and not for others, and it needs to be kept within a certain range. If you really want to retire early at the age of 40, you may be able to give yourself a relatively close value based on your actual living situation and the level of local consumption.

There will always be different demands in life, and how much money to save to be able to retire early and have no worries is different for everyone.

Try to make money, the more money you make, the more paths you can choose in the future.

It's enough, how can it not be enough, you don't go to play cards and gamble, and it's enough to eat and drink normallyI think this question needs to be weighed in a combination of many factors, and it is not possible to simply answer whether it is enough or not. Because each retiree's standard of living and pursuit of quality of life is different, the cost of living will also vary greatly. People with low requirements can do it, and people with high requirements may not be enough.

If you are in good health and are not sick, you can provide a monthly pension and deposit for the elderly. If you are not in good health and are often sick and hospitalized, you may not have enough pension and cash. Retirees can have a monthly deposit of 400,000 yuan and a pension of 1,500 yuan.

If you are not in a first- or second-tier city, pension is enough.

For a long time, I didn't understand why some people can have a pension of more than five or six thousand yuan a month after retirement. If they are smaller, they should not retire so early, and the pension distribution is more reasonable. It can make the lives of people with low pensions more secure.

The consumption level of the elderly is low, and the demand for food and clothing is much lower than that of young people.

In addition, the elderly generally pay off their housing loans, and the cost of living is not high. In general, the biggest expense is health care. Whether it is the social security paid before, the medical insurance paid every year after retirement, or the medical insurance paid a few hundred yuan a year, you can avoid returning to poverty due to illness.

Savings and pensions are just how much better. Think about it, if you want to live a better life in retirement, your savings after retirement should be at least 1 million yuan, that is, 5,000 yuan per month. At the same time, the pension also reaches the local average pension level.

Such a retirement can ensure a high-quality state.