After retirement, you will be given 1 million yuan at a time and 5,000 yuan per month, which one do

After retirement, if you can give you a one-time pension of 1 million yuan and a pension of 5,000 yuan per month, which one will you choose? If there is such an option, then I personally would not hesitate to choose the former. Because of the one-time countdown of 1 million, the benefits and returns you can get will be greater than 5,000 per month.

So, of course, I'd go with the former. Because you can invest and manage your money through this 1 million, even if the annualized rate of return is relatively low every year, then it can reach at least 3% or 4%.

If the 1 million is to deduct 20% of the individual income tax, then in fact, the money you really get is not 1 million, only about 800,000 yuan. Some people may have forgotten about it. She will increase the pension of 5,000 yuan per month, as long as we can see that the pension continues to increase every year.

Therefore, we can assume that this pension, in the end, the average amount of money you get in hand can reach about 6,000 yuan. This is equivalent to an average of 72,000 yuan in a year. If it is calculated according to such a pension salary level, you can receive about 720,000 yuan in 10 years, and the money you really get in the end is actually 800,000 yuan, and it is very likely that you can receive this money in more than 10 years.

Of course, you are right to do that, but we ignore an important objective fact. You can't predict how old your lifespan will be. If the service life does not meet my expectations, in other words, it does not have a service life of more than 10 years.

I firmly believe that choosing to receive 1 million at once must be more effective than receiving 5,000 yuan every month. Because most people may see immediate benefits, they will not think about a long-term benefit. Even if you choose the former, you won't choose the latter.

In fact, we are going to bring this thing back to reality, and it is almost impossible to happen to say that you will get 1 million at once. After retirement, you can receive the money in a lump sum, only the enterprise annuity, in fact, the annuity cannot be received in a lump sum. In that way, few people can achieve an account balance of 1 million yuan, even if they can receive an enterprise annuity, but your monthly pension will still not be less than you.

Therefore, you can not only enjoy a pension of 5,000 yuan per month, but also receive the enterprise annuity treatment. There will be no assumptions in everyone's question type, how to choose between 1 million and 5,000 yuan per month, in fact, he doesn't have to choose if he can really receive an individual, because he can enjoy both.

I chose to give me 1 million at one time, because I think money is very important to me, if I can get 1 million at one time, I will use the 1 million to invest, and then keep a part of my life, I think this behavior is more secure.

If you give 5,000 yuan a month after retirement, you will actually make a steady profit, and if you give 1 million at a time, you will not spend it on the second day or fail to invest in financial management.

After retirement, give 1 million at a time, or 5,000 yuan per month, which do you choose?

1. If you are a young person, you should choose the latter.

People work hard to make money, of course, if Yeyu is a person who does not worry about eating and drinking, then, even if he goes to work, it is also to experience life or pass the time. As a young person, if you can give 5,000 yuan a month, then it is 60,000 yuan a year, and before retirement, you can get at least one or two million, and this money can be used by yourself at any time, compared to giving 1 million after retirement, it is obviously much more cost-effective.

Second, if you are an elderly person and are about to retire, you should definitely choose the former.

However, if you are going to retire in a few years, then you will definitely choose to get another 1 million after retirement, after all, for ordinary people, 1 million is not a small amount, and some people may not be able to earn so much money after working hard for more than ten years. And after the pursuit, you can use this money to manage your finances, you can also travel, to enjoy life, all in all, with this money, you will definitely make your life more comfortable.

Third, the money in hand is the money that truly belongs to you.

Everyone knows that there will be a certain inflation rate every year, so if you have a few decades to retire, then it is unknown what the 1 million will be able to do in a few decades? Moreover, many people know that only when you have money in your hands can you really be regarded as your own money, and you can be at your disposal and serve your own life. Therefore, I think that most young people will choose to get 5,000 yuan a month instead of waiting for Ye Bei to retire.

Although people work very hard now, they must also learn to enjoy life, and enjoy it in a timely manner. Because waiting is often disappointing.

I will choose the latter, I can get 5,000 yuan per month Wang Kai, so that the quality of life every month is guaranteed, if you can't spend it, you can save the rest of the money, you can travel once a year, and you can avoid the profligate Heling faction situation Zen He.

I will choose to give a one-time 1 million notice after retirement, and I can choose to invest if I find so much money at the first time with socks, and no one knows what will happen next month if I give money every month after retirement, so the risk of giving 5,000 yuan a month is a bit big.

If Sakura Shen were me, I would definitely choose to give me 1 million spine at one time, so that I can plan this money well, maybe more than 5,000 yuan per month.

If there is 1 million in a small place, I will choose to retire early and lie down in Xianshan to provide for the elderly. Because there are still many advantages of retirement, it is also a good choice for you to use this time to take a good rest or do something you want to do. Of course, it is not so easy to apply for a retirement, so there are advantages and disadvantages.

Let's take a look at the pros.

Advantage 1: The current age of the statutory retirement bureau is generally 60 for men and 55 for women, and it may be 50 for individual types of work. If you retire early, you are still young, if you have skills, you can still find another job, which is equivalent to getting a double salary, of course, it also depends on how much money you can get each month when you retire early.

It is impossible for an early retirement salary to be higher than a normal retirement salary. It depends on how much you are paid when you are working. Advantage 2:

Early retirement means that you are still young and your body is still great, so you have more time and energy to do what you want to do and do what you want to do! I think the reason why many people want to retire early is because of job burnout! Probably this is the main reason why many people want to retire early.

Advantage 3: Without the pressure of work, I won't worry about losing my hair and becoming extremely smart, I won't be able to sleep, I won't worry about being scolded and criticized for not doing well at work, and I won't have the anxiety and disgust of discord between colleagues! Advantage four:

Many units provide breakfast, lunch and even dinner, so you don't have to cook your own food and eat nutritionally balanced.

If it were me, I wouldn't choose to retire early and lie flat. The reason why I say this is because the amount of 1 million is too small to support the elderly, I will be bored if I lie down too early, and I should do things to enrich my life. Specifically:

The amount of 10,000 is too small to support oneself in the elderly.

1 million is indeed a lot of money, and for many people, if they have so much money, their lives will be much richer. However, if you want to rely on this 1 million pension, it is insufficient. Considering that he will no longer have any income after lying down, he will not be able to support his future life with only this 1 million.

Therefore, even if you have 1 million, you can't choose to lie down for the elderly.

2. If you choose to lie down too early to retire, you will feel bored because you have nothing to do.

For those who need to go to work every day, they will feel that the work is really hard and want to be able to take a complete break. However, if you really have nothing to do all day, you will feel very bored after a long time, and this kind of life is actually even more boring. Therefore, even if you have money, you should not choose to lie down for the elderly, but should continue to work and make life meaningful.

3. You should do meaningful things to enrich your life.

We need a comfortable life, but we also need a fulfilling life. Doing meaningful things, reflecting one's own value, and making one's life full and meaningful, such a life is beautiful.

Therefore, from the above perspectives, even if we have money, we can't choose to lie down and retire, we should do meaningful and valuable things to realize the value of our lives. In this way, you can make your every day full and meaningful, and make your life happier and happier.

It is the former, because with 1 million in cash, you can bury Shen Bi Xiaola to do what you like, you can take 1 million yuan to buy insurance or pension insurance, and then you can also engage in business activities, and then you can make more money.

I think it will be more comfortable to live with 3,500 yuan after retirement, because the life of the block after retirement is very easy, and the living expenses of 3,500 yuan per month for Jian Heng are enough to use.

3500 yuan is more comfortable, because there will be it every month, and it will increase with the price of **, and it will be more comfortable.

Enough 1 million is not eligible for retirement, after all, many things in the future are unpredictable, and if you get sick or have other unexpected conditions, these funds are far from enough.

1 million is really far away for ordinary people, if the monthly salary is 3000 yuan, a year can only save enough 36,000 yuan, this is still without any expenses, now most young people in the city not only have to pay off the car loan but also the mortgage, there are a lot of daily expenses, this part of the funds is impossible to save.

If you have 1 million cash in your hand now, but in the next few decades, I can't predict what will happen, once some accidents or diseases occur at this stage, the amount of money that will be spent is unimaginable, 1 million yuan may not be enough when you do it, although in today's environment, 1 million in the countryside may be very satisfying, but we also have to think about our future life.

Under the current circumstances, the income of 1 million yuan is okay to maintain a pure retirement life. If you're 50 years old and have $1 million, it looks like you're ready to retire. Because you use the 1 million yuan as the principal to manage the money, the principal will not move, and you will only withdraw the income as living expenses every year.

Assuming that the income is 5%, you will have 50,000 yuan of income for living in a year, which is equivalent to a monthly income of 4,000 yuan. If you don't live in a first-tier city or a second-tier city, this kind of income is only average.

Third- and fourth-tier cities are still relatively high-income, and the standard of living should still be relatively high. Even in second-tier cities, it is still at a general standard of living.

If there is inflation, 1 million yuan is not enough for the elderly. Living in today's society, it is very common for prices to be priced, and it is normal for an average annual price of 3%. 3% of prices means that the currency will depreciate by 3%.

To put it more directly, that is, you have 1 million yuan this year, and if the currency depreciates by 3% this year, your 1 million yuan currency face value will still be on your account next year, but compared with the value of this year, its actual value is only 970,000 yuan. In the second and second years, if the price is **3%, the actual value of the 1 million yuan in the fourth year will only be more than 910,000 yuan.