With the advent of the era of personal pension accounts, should young people plan their pension inve

Otherwise, when will it start, more and more young people around me will choose to manage their finances, and even some people have begun to buy, there are many people who have done their own not or plan, so they have made a plan for their own investment, and the person I want to talk to him about today is also suitable for the topic of young people's pension.

Because young people's minds are active now, especially children are also dispensable, if you don't want to protect your life in the future, then you need to rely on these insurance or pension pensions, but you are also afraid that your pension will have no way to live your own life in the future, so the investment at this stage should also be carried out. In addition, there are many young people who feel that they are always relying on their parents and parents are struggling to do so, so they don't want their children to be the same as themselves in the future, so they start to do it for themselves now, and plan for their children.

The first you can choose to buy a unit of pension subsidies, and then the state has also made a lot of adjustments to this problem, most of these money is not a lot, everyone can pay up, in addition, you can also choose some relatively large insurance companies and your current situation to develop a pension plan, when the time comes, I will guarantee how much money you have every month, you think it can be enough to smash this horizontal bar, you can also in the next life, Work hard to transfer money for your old age.

What I mean is that young people nowadays must not let go of their hard work and work hard to make money, hard work is necessary, because there are so many times in a good life today, and at this age to go all out, maybe the puzzle belongs to their own world, in addition, there are many people who will choose comfort, now a state to choose comfort, in fact, this is not not impossible and also depends on your own personal choice, at present, the country's policy is very good, mainly we are timed, In fact, there will be a little security after yourself.

If possible, I think young people should also plan our pension investment in advance, but now the economic pressure on young people is relatively large, and this is difficult to achieve.

I think we should plan in advance, so that the right pension account can be more recognized, and it can also make my future life more comfortable, and can also reduce some life pressure.

Planning your pension investment in advance can provide you with better protection for your future retirement, and it can also reduce the pressure of your future life and help your life become better.

Young people plan pension investment in advance, I personally feel that it should not be too early, such as before the age of 30, it is recommended to start a business to accumulate experience and capital, even if it fails, it is necessary to try it, otherwise thinking about pension too early, it is easy to lose the motivation to fight, and doing things too conservatively, which will do more harm than good to the future and future.

After the age of 30, the career is a little more stable, the children and family need to take care of themselves, you can take the career risks into account, plan to invest in a little pension project for yourself, not only resist the risk, but also make a long-term plan for your life after retirement.

As the saying goes, people have no long-term worries, and when the entrepreneurial stage is over, you need to make some plans for the future when you need stability. Otherwise, with the future retirement salary, whether you can meet your pension needs, there is no number, and the future will be relatively passive.

Even if these pension plans cannot be realized for a while, they will also think and plan for their future, and will establish a certain financial concept, so that they will not only work hard without looking up at the road, put money in different baskets, and increase some anti-risk ability in case of life accidents.

When I was thirty-five years old, I gave myself a pension product, not much, but when I retire, I can get an extra subsidy of about 2,000 per month, which can be used to travel or something, and I don't have to add any burden to my children, so it's still appropriate to think about it. Of course, I plan this way because I pay my own insurance, and I have a limited salary for retirement. But even other working friends are not also facing the problem of providing for the elderly?

Personally, I suggest that after the age of 30, you can think about pension investment a little. Before the age of 30, it is better to use the money to start a business.

There is no doubt that it is necessary, experts recommend that young people develop healthy consumption and saving habits, there is indeed nothing wrong with it, and prepare a bucket of pension funds for themselves, which is also to protect the future.

China has entered an aging society, and the pressure on pension is increasing. By the end of 2021, China's population over 60 years old has reached 100 million, accounting for the proportion of the total population, and the population over 65 years old is 200 million, accounting for the proportion of the population.

According to official data, in 2019, China can still achieve a working-age population to support 1 elderly person, and in 2050 it will be reduced to simply relying on the pension issued by the first to live, not only is it difficult to continue, but the young labor force will also be tired to death.

When developed countries in Europe and the United States enter the aging society, the per capita GDP is about 10,000 US dollars, and the country and society have the financial resources and ability to solve the problem of old-age care, but when China entered the aging society in 1999, the per capita GDP was only 1,000 US dollars, which means that China is not ready for the economy of the elderly. Therefore, for individuals, if they want to maintain a decent life in their old age, they not only need to be guaranteed, but also prepare for themselves.

At present, national retirement income is usually composed of three pillars: the first pillar is the basic old-age security system led by the state and enforced. The second pillar is the occupational pension scheme, which is jointly paid by the employer and the individual, and is commonly referred to as the enterprise annuity and the occupational pension.

The third pillar is the personal pension plan, which belongs to the individual's early investment, including savings, insurance, trust, **, financial management, etc. Experts suggest that young people plan pension investment is for personal pension plans, in many developed countries, pension insurance is mainly based on the second and third pillars, is the main income of the people's pension.

It is necessary! Very necessary!

Reason 1: Sufficient pension reserves can have a beautiful era of longevity!

With the advancement of medical technology and the continuous improvement of living standards, the longevity we once pursued is being realized. According to the "2021 Statistical Communiqué on the Development of China's Health Undertakings" just released by the National Health Commission, the average life expectancy of Chinese residents has increased from 2020 to 2021.

Think about it, in the future, each of us may have a 100-year-old life, a long life that lasts for decades. In addition to meeting the cost of daily life, you may also need to prepare for health, medical treatment, nursing care, and other expenses. If there is not enough pension reserves to support it, a happy old age life may be a luxury.

Reason 2: It is no longer the era of "raising children and preventing old age"!

At present, the aging population is becoming more and more severe, and with the rising cost of childcare, the pressure of life for young people is also increasing year by year. Therefore, the concept of "raising children and preventing old age" in the past can no longer adapt to the current status quo of old-age care.

Reason 3: The sooner you prepare, the easier it is

Pension planning is not a short-term behavior, it needs to be operated for a long time. Then because of the value of time, the longer you are in business, the easier it is to prepare.

Therefore, the sooner you plan for your pension, the wiser you choose!

It is necessary! It is often seen on various platforms on the Internet to calculate how much money needs to be prepared for the pension, calculated according to factors such as monthly expenses, inflation rate and price index, and finally concluded that millions of pensions are needed. In fact, this is just a theoretical algorithm, there is no standard answer to how much money you need to prepare for the elderly, it depends on the city and environment of each person's old age, the requirements for the quality of life of the elderly, and whether there are unexpected and other factors.

But in any case, the expenses required for retirement life are by no means a small amount.

For a long time, Chinese people have held an inherent idea on the issue of old-age care: "raising children to prevent old age". With the promotion of the family planning system, the general population structure is now 4-2-1, and it is naturally very stressful for young people to take on the responsibility of providing for their parents on the premise of taking care of their own family living expenses.

In the face of such a social situation, more and more parents have also changed the concept of raising children to prevent old age, but hope to reduce the burden of their children and try their best to rely on their own strength to provide for the elderly.

Represented by the post-90s, this generation at a turning point is currently in the stage of being old and young, and their children have to be raised, their parents have to take care of them, and when they are old in the future, they have to take care of themselves. In the face of such a situation, we have to make a good pension plan in advance.

Although pension has become a problem we have to face, it has attracted the attention of people from all walks of life and a wide range of **, everyone also understands some data and trends from a variety of channels, but it does not match that most people do not seem to be in a hurry, why many people have not considered starting to save for the elderly, or simply give up savings, most people are both simply and helpless - money is not enough to spend! This also shows the importance of planning for retirement in advance, because working hard when you are young can reduce some of the pressure in your future retirement life.

We are facing a complex social environment, pressure from family, work and other aspects, which makes it difficult for people to get out of the complicated affairs to think about the problem of pension in advance, let alone put practical actions to prepare for their own pension. Before making any investment decision, one needs to make trade-offs among the various options. Some are for the growth and education of their children, some are for the purchase of a house or a car, and when making these current or short-term financial decisions, people tend to ignore the expenses after retirement, which is also a reasonable thing, but it is also a worrying risk that people will face in the future.

Retirement planning is a seemingly distant but actually palpable issue. Society as a whole is facing an increasingly serious aging trend, and we must think and act, because tomorrow often comes sooner than we think.

My answer is that young people must plan for retirement in advance. I started planning to retire fifteen years ago, and this year I am 40+ and ready to retire at any time.

I recommend that young people do a review of their lives every year, including retirement. These questions to consider in the review:

1.At what age do you plan to retire? Do the math on how much pension you need in order to retire as you wish.

2.How many years have you been on pension insurance? How many more years do I need to pay to reach the minimum?

3.How much are you willing to save each month for retirement next year? How much money do you have for your pension deposit? What do you plan to use to maintain and increase your value?

4.How much are you willing to spend on pension insurance and medical insurance every year in the next five years?

5.What is your lifelong passion? What will you do next year to develop your hobby?

Life review is a very effective way to better plan for your future. Set aside 2 hours a year to think about these questions and record them. Your thoughts will change over time, but doing so will ensure that you make a little effort for your future every year.

After the age of forty, you will be grateful to you when you are younger.

I believe that most young people really don't have the financial strength to make pension plans for themselves in advance, the old and the young, not to mention the need to earn money to support their families, the monthly mortgage is really stressful, plus the child's nursery fees, tuition fees, and expenditures, life is tight, and even moonlight, what to do pension planning?

White-collar or gold-collar workers with good economic conditions, although their income is high, their consumption is also high, and their expenditures are higher. Of course, not all young people do not do pension planning, have been in contact with some young female friends, their income is not high, but in various ways to do pension planning for themselves, such as buying insurance or ** bonds, etc., every year will regularly deposit thousands of yuan, accumulate a lot, and when you retire at the age of 60, it is also a large amount of security.

In real life, it is found that most of the middle-aged and elderly people who do pension planning are not only for themselves, but also for their children, leaving real estate for their children, and saving money as much as possible, so that their children will have no worries when they are old. Alas, pity the hearts of parents all over the world!

Personally, I think that some experts suggest that young people plan for the elderly in advance, this proposal is generally very necessary, as the so-called no foresight, there must be near-term worries, although the current young people from the age, from the perspective of their future retirement in their old age, there is still a long time to live, but if they do not make an early plan for their future old age, then it is likely to be difficult to live in their old age, and they are at a loss in the face of greater economic pressure, but if they can take precautions now and plan for the elderly in advance, then they will really retire in the future, to ensure that they have a relatively happy old age.

On the other hand, the overall aging trend of China's population is rising, for young people now, they will face great pressure to provide for the elderly when they are old, and the pension social security** The gap is also getting bigger and bigger, for young people, take advantage of their youth, do a good job of corresponding pension planning, do not use their monthly salary to pursue personal enjoyment and life, moderately save a sum of money, in order to do their own future pension needs, of course, if you have the ability, or economic conditions, you can also consider buying a set of pension housing for yourself, and when you are old, you can live and subsidize your pension through rental, or through other ways and ways to invest。

And for today's young people early planning pension there is a very important aspect is the education and investment of their children, although in the past people often have a view of raising children to prevent old age, pinning their own pension on their children, although we can not do it as in the past, but educate their children well, cultivate well, let their children develop the habit of filial piety to their parents is obviously very important on the one hand, on the other hand, make the right investment in their children, so that their children can master the knowledge, master the real competitive strength, and gain a foothold in the society in the future, so when they are old, will also reduce a lot of financial pressure, no longer have to worry about their children, and their children's income is relatively high, you can also help yourself to a certain extent, reduce your financial pressure in the elderly.

But in any case, for today's young people, early planning for the elderly, should also be combined with their own reality, if there are still certain problems in their lives at this stage, the monthly salary income is beyond their means, can only maintain their basic life, then in this case, or should think about working hard to improve themselves, so that they can find a better job, or strive to improve their income, and wait until the future has this economic ability and conditions, When you think about planning for the elderly, after all, you must also prioritize clearly.