Why do more and more people want to “lie down and retire”?

A 30-year-old young master's degree took a principal of 1 million yuan and lived a "living-down pension" life in Yunnan, earning interest. He shared his pension experience on the Internet, which attracted attention. Faced with the ever-increasing intensity of "996" work, more and more young people want to escape. #30-year-old Master Resigns and Saves 1 Million to Retire in Yunnan# became a hot search topic, attracting the envy of many netizens. Such "escape" seems to have opened up a new direction in life for young people.

A 30-year-old master quit his job and saved 1 million for retirement in Yunnan

Is it true that a 30-year-old master quit his job and saved 1 million for retirement?

On the Internet, a 30-year-old With a principal of 1 million yuan, a young master's degree led a "living-down pension" life in Yunnan, earning interest. By sharing his pension experience, he became the UP owner of the retirement area at Station B, and attracted the attention of many young people. .

The UP owner divided his 1 million yuan principal into 3 parts, of which 840,000 yuan was deposited regularly for 3 years (close to the principal amount required under the 4% principle), with an interest rate of 3.5%, so that each You can get a fixed income of 2,450 yuan per month; the short-term financial management part is 100,000 yuan to obtain relatively high returns; the remaining 60,000 yuan is used for high-risk investments (such as stocks) to obtain high returns. Seeing this, many netizens may question, is the monthly fixed interest income of 2,450 yuan enough? If you are in Beijing, Shanghai, Guangzhou, Shenzhen or Hangzhou, I believe 99% of people will answer that it is not enough. But what if this person chooses a small town with a relatively low consumption level and a more comfortable life? The answer may be different.

In addition, he is also the UP owner of the retirement area of ??Station B, which can also bring him a self-media income.

When we check Weibo, Bilibili, and Xiaohongshu, we can find that "elderly care" has become a common topic for many young people. Post-90s, post-95s, and even post-00s are all talking about it. After heated discussions about how to retire early, how to save enough money for retirement, and how to live gracefully in old age, we suddenly discovered that retirement is no longer an agenda that a person will plan until he is middle-aged, but should be planned while he is young.

Have you ever thought about it? Why do more and more young people begin to yearn for “retirement life”? Why do more and more young people want to "lie down"?

Perhaps it is that young people want more freedom, free time, free money control, free life choices, free mood switching...

Perhaps it is that young people want more freedom nowadays. The society has more choices, and a lifestyle that is not fixed, single, or conservative is what the younger generation is exploring. Freelancing is entering social life more comprehensively...

2 Ideals of Young People What is retirement life like in China?

“I don’t want to live a sloppy life when I get old. I want to travel around the world, walk my dog, take photos, and drink coffee with friends. Chatting; but it is definitely not the kind of old age life where you can’t afford to see a doctor, can’t afford a nurse, and have to worry about buying groceries.” Xiao Zheng, a post-2000 generation in Hangzhou, said when describing his future old life. Youth represents vitality and vitality. Sunshine and vitality, while old-age care is usually accompanied by loneliness, depression and solemnity in many people's dictionary. Young people don't want their old life to become such a reality, so they make plans early, 30 or even 40 years in advance. Looking for a “retirement partner”.

Li Zi, born in the 1990s, said frankly, "Retirement care has indeed been on the agenda." However, compared to some of his peers who save for retirement and invest in funds for retirement, Li Zi prefers "buying a house for retirement." With part of the "start-up capital" given by his parents, Li Zi bought a hotel-style apartment with a 50-year property right in Hainan early, and then rented the house to an operating company for use as hotel rooms.

Li Zi said, “The rent collected from renting out the house can basically cover the monthly payment for buying a house. After the mortgage is paid off in the future, all the remaining money can be used for retirement. I am currently traveling. From time to time, I will also investigate some elderly care institutions and real estate in other cities, such as Yunnan and Guizhou, places suitable for the elderly. If I find that the housing prices in these cities are relatively low, then I can sell the house I live in when I am old. and rent-collecting houses to live in places that are more suitable for living.”