Have you ever considered retirement?

#30-year-old master quit his job and saved 1 million to retire in Yunnan#

The word rushed to the Baidu hot search list

Have you ever considered retirement?

How much money do you think you can save to retire gracefully and early?

"Retirement care" has become a common topic among many young people. The post-90s, post-95s and even post-00s are all discussing how to retire early, how to save enough money for retirement, and how to live elegantly. In old age life, we suddenly discovered that old age care is no longer an agenda that a person will plan when he is middle-aged, but should be planned while he is young.

A 30-year-old master's degree student quit his job and saved 1 million yuan for retirement

According to a report by Chengshi Interactive on March 2, online, a 30-year-old master's degree student saved 1 million yuan in principal. , lived a life of "living-down retirement care" with interest in Yunnan. By sharing his experience in retirement care, he became the UP owner of the retirement area at Station B and attracted the attention of many young people.

The investigation found that 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 to make high-risk investments (such as stocks) to obtain high returns.

According to his story, his income in January reached a new high of 6,977 yuan. In terms of expenditures, the largest expense is food and beverages, which cost an average of 1,000 yuan per month, followed by rent of 800 yuan. As of press time, the account has gained over 100,000 fans, over 250,000 likes, and over 10 million plays.

It is worth noting that previously, a local post-80s couple in Shanghai decided to retire early after saving 3 million. According to the person involved, even if he does not work, he still earns 10,000 yuan a month through financial management and bank interest. It is better to "retire" altogether.

"DINK couple saved 3 million to retire early" was questioned

Response from the parties

Recently, a video of a post-80s DINK couple in Shanghai retiring early has attracted the attention of netizens . Ms. Chen calculated that since starting work, the two of them have saved 3 million yuan, deposited the money in large-denomination certificates of deposit, and then used part of it to speculate in stocks or buy funds. It is estimated that the monthly financial management income will be 10,000 yuan, which is enough Both of them used it until they were about 70 years old.

It is reported that Ms. Chen and her husband currently have a deposit of 3 million in Shanghai. They have a house, a car, no children, and no loans. They basically have no pressure in life. They plan to have sex until the end, and Maomao will be their child. Regarding this decision, Ms. Chen revealed that both parents have pensions, and they do not need to worry about old age care, because the old man is too old to take care of his children. Seeing that the two insisted on DINK, she also expressed support.

After media exposure, many netizens questioned their plan to lie down, and Ms. Chen responded. She mentioned that her husband has been receiving social security for 15 years, and according to current policies, there is no problem with retirement medical insurance. Both of them insist on exercising every day. After not going to work, their mentality becomes calmer. They have no worries and no worries, and they feel free every day. She believes that mental health will also bring physical health.

As for daily expenses,

The current expenses range from more than 5,000 a month to over 10,000 during the Chinese New Year. Basic passive income can cover daily expenses.

Some netizens questioned that they did not take inflation into account and just stayed flat. Ms. Chen said that she has actually considered that she will not keep the money in the bank forever, but will also make some investments in the future. Some netizens are worried about what they will do when they run out of money when they are 60 or 70 years old. Ms. Chen said that if you run out of money when you are sixty or seventy, then you should wait until then. Live in the present, and you deserve thirty years of happiness and a few years of hardship.

How much money do you need to save to have “retirement freedom”?

According to China Business News, in fact, "How much money should be saved to provide for decent retirement" has also been a hot topic that everyone has paid attention to in the past two years, and the answer varies from person to person.

Of course, there is indeed an indicator to measure the quality of future retirement life, that is, the "pension replacement rate."

The so-called pension replacement rate refers to the ratio between the level of pension received by workers at retirement and the level of salary income before retirement

For example, if the monthly income before retirement is 20,000, the monthly income after retirement will be The basic pension is 10,000, then the pension replacement rate is 50.

The higher the pension replacement rate, the higher the quality of life after retirement; conversely, it means that the quality of life after retirement may decline. The World Bank recommends that the pension replacement rate should be between 70 and 80% to basically maintain the original standard of living. The International Labor Organization recommends a minimum pension replacement rate of 55.

According to Metropolis Express, in 1994, MIT scholar William Bangen proposed the "4 Principles"

As long as the withdrawal from the pension principal in the first year of retirement does not exceed After 4.2, the amount that needs to be withdrawn every year = total amount × (4 inflation rate). Even after death, the pension will not be spent.

Regarding the question of how much money young people need to support themselves in their later years, Chen Lidong, a staff member of Ping An Life Insurance Zhejiang Branch, said, “This is actually a very personalized question. If a person has more requirements for his later life, High, for example, if he wants to travel around the world and enjoy a high-quality life in his later years, he should make some additional plans on top of the existing living expenses, such as making more investments or insurance; finally, for young people , we must develop the habit of compulsory saving. With a certain economic foundation and primitive accumulation of capital, we can cope with some uncertainties in daily life, such as illness and accidents, and we can better achieve the goal of living a more decent life in our later years. target."