Delayed retirement, optimized at the age of 35, and the old-age rules that must be learned after 8 s and 9 s

It's said that it's not easy for young people in this world, and most of the young people in this world are born in the 198s and 199s. We don't have a share in the housing distribution system. When we get there, the house will be on our own.

The working system is not ours either. When it comes to us, we have to find our own jobs, not only by ourselves, but also by being optimized at the age of 35.

This is nothing. The delayed retirement system, which has been hotly debated for eight years, is really coming this time.

The Proposal of the Central Committee on Formulating the 14th Five-year Plan for National Economic and Social Development and the Long-term Target for the Year 235, which was authorized by Xinhua News Agency, pointed out that "the legal retirement age will be gradually delayed".

This means that the deferred retirement scheme is no longer "research" but "implementation". It is just that it is not implemented in one step, but is promoted step by step.

According to the timetable for implementation in 22 and 225, the following four groups will be affected:

By 225, men under 6 (men born in 1965 or later)

By 225, women workers under 5 (women born in 1975 or later)

By 225. Female cadres younger than or equal to 55 years old (women born in 197 and later)

young people born after 199 (people born in 199 and later)

In a word, this delayed retirement was all caught up by the post-8s and 9s.

So the joke began to circulate on the Internet:

At the age of 35, I was optimized; at the age of 45, I was not allowed to set up a stall; at the age of 7, I could only get my pension. If I died in poverty in these 25 years, the country would even save my pension.

Some netizens said that it is hard to live for a few more years because of medical progress, and you still need to continue to endure stressful work in your later years. What is the significance of living for a few more years?

Some people think that delaying retirement is just to delay the payment of pensions.

However, some people think that retiring at the age of 6 is a waste. Nowadays, most people are in good health and can work until they are 7.

It's true that the age is the same, but it's also true that retirement is delayed and the age of 35 is optimized.

In fact, at any time, we should understand a truth, that is, we should not rely too much on the old-age pension, and the real old-age pension depends on ourselves. If you learn these three rules of providing for the aged, you won't be bound by the rules of delaying retirement, and you can still enjoy your old age.

Buy old-age insurance for yourself

At present, there are all kinds of annuity insurance in the market. You can get a good pension when you get old by paying a sum of money every year, such as around 1 yuan.

Although the annualized rate of return of this annuity insurance is not high, it is only about 4%.

But the risk is relatively small. If you accumulate 1 yuan every month, it will be regarded as compulsory savings, and it will also be regarded as an extra layer of protection for our future pension life.

providing for the aged by housing

At present, there are two ways to provide for the aged by housing. One way is to buy multiple properties, then rent out the house to collect rent, and live on rent every month.

Another way is to buy a house when you are young, mortgage it to an insurance company when you are old, and then receive a monthly pension.

Either way, the premise is that we need to have a house. We should work hard to make money, save money and plan to buy a house when we are young, and then let ourselves own a house as soon as possible.

Fixed fund investment

It has to be said that there is a very good way to support the elderly by oneself, that is, fixed fund investment. After all, it will take at least 3 years or even 4 years to retire after the 198s and 199s.

at this time, we can continuously accumulate the principal through the fixed investment of the fund, and we can also continue to compound interest and enjoy the dividend brought by compound interest.

For example, from now on, the fund will invest 2, yuan every month as a pension. After 3 years, with an average annualized income rate of 1%, you will have 4.158 million yuan.

Delayed retirement has become a reality, and it is inevitable to be optimized at the age of 35. However, it is not just work that makes money. You can make money by starting your own business, self-employed, online celebrity and so on.

As long as you are willing to work hard, it is not difficult to make money. Take precautions and prepare for retirement in advance, and life in your later years will naturally not be too bad.