Can a 50-year-old retired woman, with a house, a car, no loans, and a savings of 1.5 million, be able to provide for her retirement without worries?

According to your description, the economic conditions are not very favorable. There are many such families in today's society. In other words, it is not unusual.

The son wants to work after graduating from college. To get married and start a family, he needs to pay a bride price to the woman. If he wants to buy a new car, he must rely on his parents' help.

Although you are only 50 years old and have retired, with your pension and your husband’s normal income, for the sake of your children and yourself, I think you are still young and should find a job again. It would be better to accumulate more money for your own retirement in 5 years.

That’s enough. I have a house, a car, a deposit, and no burden. 90% of people in China do not have this condition. It is perfectly fine if they live a basic life and receive a pension plus deposit interest to subsidize their family income. The principal may not be used.

If something big happens and even 1.5 million is not enough, how can a person without money live? Do all the people in the country have hundreds of millions in their hands? [laughing and crying] How much money can we do to achieve great things?

This amount of money is probably not enough. One is that the pension is too small, and the savings are not much, only 1.5 million. The annual income is only about 30,000, and the pension is only 50,000 or 60,000. Prices are rising, children have to go to school, and getting married in the future will be a big expense, not counting physical health and other factors. You are only 50 years old, and you can still use your remaining energy. If you really feel tired, you can adjust yourself. Once your mentality and body have adjusted, I suggest you go out and find a labor-saving job. This way you will not be out of touch with society, but you can also gain some benefits. Why not.

For a 50-year-old retired woman, she has a house, a car, no loans, a savings of 1.5 million, a pension of 2,000 per month, and her husband still has a salary. It is said that this is a pretty good living condition. . But if you want to retire without making money now, it feels a bit early, because you still have a child who is in his first year of college. This is an uncertain factor. Do you still need to continue your education after graduating from college? Will I find a good job after graduation without your support? Even if you have a house when your children get married, if it is not in a school district, you may have to move to a new house in a larger school district. The money from the old house may not be able to replace the new house. Does the car need to be replaced with a new one? Even if the daughter-in-law’s family provides a wedding car, the bride price will definitely be around 20,000 to 300,000 yuan. The current basic market situation is how much gift you give, what kind of car does the bride marry, the meeting of the parents before the marriage, the engagement ceremony, the housekeeping ceremony, and Weddings and other miscellaneous things cost a lot of money. Later, I have grandchildren. If I have nothing to do, I want to take them out to play. Does it cost money? Do you want to celebrate the New Year with your grandchildren? Do you want to sponsor your grandchildren's weddings? This is still under the condition that you all must have a healthy body, etc., etc., everything must be used. Now the living conditions are very good, you will have no problem living to your nineties. How about your 1.5 million? How much more money can you have to support you in your old age? [Lovely] Of course, after working for decades, you can take a rest when you are tired. When you turn fifty, you will be in your prime, so you can start again after you have rested!

Not necessarily. A 50-year-old woman faces a series of problems such as getting her children married, having children, buying a house, and buying a car. As a mother, it is impossible for a grandmother to be indifferent. A house in a big city costs millions. To help your children buy a house, a down payment of several hundred thousand is required, and a wedding gift of 80,000 is the starting price. I want to give 20,000 yuan to my grandson. Nowadays, the few young people who have money cannot get married or buy a house without relying on their parents. Even if you don't care about your children, your health is still good, but if your health is not good for a period of time, no matter what disease you get, the medical expenses and nursing expenses will be 1.5 million in a few years. Now in the hospital, the nursing fee is 200 yuan a day. Thirty thousand anti-cancer shots. No amount of money can guarantee a worry-free retirement. One word for old age is "sadness". When you are old and heartless, you can be happy, live one day, be happy one day, no matter what the flood will be tomorrow.

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Basically enough!

I retired at the age of 50. I have a house, a car and no loans. I now have a deposit of 1.5 million yuan and a pension of 2,000 yuan. My children are in college. My husband has a stable job and an average income. Under such circumstances, if I really don’t want to work Well, manage your finances well and save a little on a regular basis. This will basically be enough for your family’s expenses. 1. First of all, you must do a good job in financial management

If you have 1.5 million, you must do a good job in financial management. You can consider choosing stable and safe investment channels.

Generally, you can get a 3-year large certificate of deposit in a bank with an annual interest rate of about 3.5%. Basically, you can get 52,500 yuan in interest income a year, which averages about 4,375 yuan per month. This money can basically support a family. Having a good time.

Of course, if you two have relatively rich experience in stock market investment, you can also invest 1.5 million in high-dividend blue chip stocks such as banks and energy in the stock market. Hold it for a long time and pay dividends every year, basically every year. The dividend can be about 6%, that is, if you hold 1.5 million yuan in shares, you can get about 90,000 yuan in interest income every year. This money may make the family live a better life.

Add in your husband's monthly income of six to seven thousand yuan, plus your pension of 2,000 yuan, so you can estimate your monthly income to more than 12,000 yuan. This level of income can basically allow a family to live a better life.

Therefore, 1.5 million must be managed well, so that the income from financial management is basically enough to support the family. 2. Saving a little is basically enough.

If you don’t want to go to work, and you save a little in daily life, then if you rely on financial management income of more than 4,000 to 5,000 yuan a month, it will basically be enough for a family to live.

Nowadays, the daily expenses of a family are about four to five thousand yuan, which is about the same. For your child to go to college, 2,500 yuan per month is basically enough. For the two of you to buy groceries and cook at home, two to three thousand yuan a month for living expenses is probably about the same.

Calculated in this way, a family can basically live a good life by spending about four to five thousand yuan per month. 3. Conclusion

To sum up, if you retire at the age of 50, you have 1.5 million, and two houses. Under such circumstances, if you don’t want to work anymore and just rely on the financial income of 1.5 million, it is basically possible to save a little. It's enough to support a family's life.

I have a house, a car, no mortgage, a pension of 2,000, and a bank deposit of 1.5 million.

This is not about whether you can have a worry-free retirement, this is about your life falling into a honeypot.

For most ordinary people, if they can meet half of your conditions when they retire, they will probably wake up from their dreams with a smile.

In our country, a person with a deposit of RMB 1 million can be ranked among the top 1% of the richest people in the country.

Having a deposit of 1.5 million means that your wealth has exceeded 99% of people.

With so much money in the bank, the annual interest is a very large amount of income.

1. Purchase large-denomination certificates of deposit

Spend 1.5 million and buy long-term large-denomination certificates of deposit at a local commercial bank. The interest rate is definitely above 4.0%.

1.5 million, the annualized interest rate is 4.0%, then the average interest per year is:

400 150 60,000

Averaged to each month, that is 5,000 yuan. In the second-tier provincial capital city where I work, the average salary is only 5,100 yuan.

This interest income already exceeds the average salary in many cities.

2. Purchase treasury bonds

Some people may say that the interest on large certificates of deposit cannot be withdrawn every year. If you can get interest every year, you can choose to buy treasury bonds.

For the latest Treasury bond, the interest rate for the three-year term is 3.4% and the interest rate for the five-year term is 3.57%.

On the 10th of every month, the six major state-owned banks and some commercial banks have treasury bond sales. But go earlier that day because there are more people buying.

If 1.5 million yuan is used to purchase a three-year treasury bond with an annual interest rate of 3.4%, the annual interest is:

340 150 51,000 yuan

On average, each The monthly interest is 4,250 yuan.

With more than 4,000 yuan a month, the interest is enough to cover your living expenses.

3. One year regularly

If you save money more conservatively, you can even save regularly for one year.

Currently, the regular one-year interest rate for state-owned banks is 2.1%.

If you deposit 1.5 million for one year, the interest on maturity will be:

210 150 31,500 yuan

The average monthly interest is 2,625 yuan . This interest income is higher than your temporary pension.

Many people think that a pension of 2,000 yuan is not a big deal. The amount is not big. If something happens to you, it may not be enough.

That’s because you don’t understand pensions at all.

The biggest advantage of social security pensions is that they increase every year.

This year it will be 2,000 yuan, next year it will be 2,100 yuan, and the year after that it may rise to 2,300 yuan.

And if you retire at the age of fifty, your pension will be at least 3,000 yuan by the time you are 60. This is more than the pension of at least half of retirees.

Having a pension can guarantee a lower limit of life.

With a deposit of 1.5 million, you can increase the upper limit of your life.

Even if there are any major events in the future, such as buying a house, buying a car, or paying a bride price for a child’s marriage, we can handle it calmly.

Besides, not every child relies on their parents to get married and buy a house. There are many colleagues around me who pay the down payment for buying a house, renovating the house, and paying the wedding gift, all with their own money.

Life is all about enjoying life. With such good conditions and at the age of fifty, you can consider early retirement.

With such good conditions, your life in your later years will definitely be very happy.

The key depends on your living standard. A house and a car are all hardware. There will be no big expenses in your future retirement life. With a pension to cover daily expenses, and 1.5 million for emergency medical treatment, etc., I think you have been very successful. You can now travel around the country, see the outside world, and appreciate the customs and customs of each place! very nice!

I think it is completely possible to provide for old age. Since you don’t want to go to work, just follow your heart. After working for most of your life, you can take a break. When your child is in his first year of college, your salary can be used for your child's living expenses, and your husband will pay for the tuition, so you two can live without worries. With a deposit of 1.5 million, you can make an income of 50,000 to 60,000 yuan through financial management every year. When your child has a stable job, you can buy a house for your child and you don’t have to worry about it anymore. Don’t you still have an extra house in your hand that can be rented out? With a lot of rent every month, your life is quite good, and it is beyond the reach of many people. Bless you!

At present, if you put aside the factors of children and other emergencies, your savings can really support your retirement. Although your economic level is not too high now, there are definitely many people who are not as good as you.

Let me talk about your child first. He is a freshman in college and will need to complete graduate school before joining the workforce. This will not be helpful to the family in a short period of time and requires you to pay for his studies. Even in the future, it will depend on where he works. No matter how self-reliant your son is, it would be a fantasy if he had to rely solely on himself to buy a house and land in a first-tier city. Even starting a family in a second-tier city requires a large amount of money. Moreover, the bride price and car for marrying a daughter-in-law also require money, so the money is not abundant. Of course, the amount of money can also be determined according to the actual situation. If you have it, you will be given more, if you don’t have it, you will be given less or not at all.

Let’s talk about people’s physical health. After reaching a certain age, various diseases will slowly appear. This is another factor to consider. A serious illness may cost hundreds of thousands or millions.

You are just 50 years old now. If there are no other hindrances and you are in good health, you should find something to do. Firstly, you can increase your income, and secondly, you have something to do to avoid being disconnected from society.