How much savings do you need to support yourself?

As we all know, China has entered an aging society, and the problem of providing for the aged has become a problem that everyone must think about. Even if you don't think about it, it will come to you. The concept of "raising children to prevent old age" can be said to be deeply rooted in the hearts of the people, but now the social pressure is great, and many children's income is only enough to support themselves, their wives and children. Even if children want to support their parents, they are unable to do so. Some people even have to test their parents' support, that is, "gnawing at the old", so it is very unreliable to rely entirely on their children to support the elderly now.

If you rely on pensions to support the elderly, many elderly people in the country have low pensions and are far from self-sufficient. Even many people have no pensions, and it is not reliable to rely entirely on pensions to support the elderly. Everyone wants the elderly to feel safe, but many news and online reports have sounded the alarm for us. As the saying goes, "relying on the mountain will fall, relying on everyone to run, only oneself is the most reliable", so many people choose to rely on "deposits" for their own pension planning. As long as they have "deposits", they can plan their own retirement life. So how much is this "deposit"?

According to Franklin Templeton's Statistical Survey on Retirement Income Strategies and Expectations in China Mainland released on September 17, 1965, it can be seen that China's first tier cities needs 4 million deposits when it retires in order to realize "freedom of providing for the aged". The report also reveals that only 5% of the people meet this standard, but this survey focuses on four first-tier cities in the north, Guangzhou and Shenzhen, so it is conducted. However, we must understand that in the first-tier cities in China, the original wage income is higher than other cities, but only 5% of the people have reached the threshold of "freedom of old-age care", which shows how difficult it is to save enough 4 million yuan.

In 20 17, China pension finance forum also released a survey report, which pointed out that 70% of people thought that the pension deposit should be within 100000, and more than 50% thought it should be above 500000. Combining these two reports (both of which contain a lot of data, but only a part of them were sent by Bian Xiao), if you want to support yourself in the first-tier cities, you must have at least 2 million deposits. If you want to realize "freedom of providing for the aged" in first-tier cities, you may really need 4 million deposits. As for providing for the elderly in second-and third-tier cities, you definitely need at least 1 10,000. If you are in a fourth-tier city or below, then

How much deposit do you need for your own pension? It may be just a sentence, but it is really difficult to realize. According to the data released by the central bank, the per capita deposit in China in 20 19 was only 58,000 yuan. According to the "Regulations on Deposit Insurance" issued by the central bank in 20 15, the number of people with more than 500,000 deposits in China only accounts for 0.37% of all depositors. Even if there is growth in recent years, it is not bad to reach 0.5%. It can also be seen from these that there are very few people with 500,000 deposits, not to mention 6,543,800,000, 2 million or even 4 million.

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To sum up, if you want to rely on "deposits" to protect your retirement, you need at least 500,000 deposits. If you live in a first-tier city, you need at least 2 million deposits. If you want to achieve "retirement freedom", you need at least 4 million deposits. It's easier said than done, so social security is a very important means of providing for the aged. The suggestion is to "pay more and get more", and don't give up easily, so the funds needed for old-age life are composed of pensions and deposits, which are relatively easy to realize. what do you think?