Realize the national overall planning of basic old-age insurance, and gradually delay the basic determination of the legal retirement age.
In fact, the recent debate about delaying retirement is fierce. Some people think that delaying retirement is a good thing. After all, you can work all the time, and you don't have to worry about not finding a job when you are old.
Some people think it is inappropriate, especially some retirees who are about to turn 50. Seeing that I will retire and receive my pension soon, I can continue to work through re-employment even if I want to go to work in the future.
In this way, you can not only get a pension, but also get another salary.
Admittedly, after delaying retirement, it is inevitable that you will have to wait 10 years or even longer to receive your pension.
For example, in the past, women could retire at the age of 55, while men could retire at the age of 60. Delayed retirement is every three years 1 year for women and every six years for men. In other words, before they could retire at the age of 55, they would be delayed for several months when they approached retirement. The longer it takes, the more people will retire at the age of 65 in 2045.
According to the average life expectancy in China, the average life expectancy is about 77 years, which means that you can only receive 12 years when you retire from 65 to 77.
Retirement from the age of 60 can receive 17 years, which is 5 years less. To put it bluntly, the delay in retirement is mainly due to the country's lack of money and its inability to provide so many pensions. Therefore, independent pension has become a general trend.
Unfortunately, the fund has been falling continuously recently. Is the dream of fund pension also shattered? What should ordinary people do to make their old age carefree?
1 Cumulative original amount
The amount of principal is very important. The more principal you accumulate, the more savings you can get.
For example, if you save more than 65,438+00,000 yuan every year, you will have 65,438+00 yuan more than your peers after 65,438+00 years.
How to recover the principal? In short, make more money to develop sideline business.
Most people around Yixin wear several hats. For example, a senior engineer earns hundreds of thousands of dollars a year, but others have also developed a sideline business of fish.
There is another person who is our former leader. He is also quietly engaged in the procurement of Hong Kong goods, even making the procurement of Hong Kong goods bigger and bigger, and also renting warehouses for delivery in Hong Kong. Some people work during the day and are bloggers of a website at night.
The money from work is used for daily expenses, and the money from sideline business is used for savings, accumulating more principal.
2 do a good job in insurance planning
If you support yourself, you should have insurance. Don't look down on insurance. When people tell you about insurance, they think others are liars.
In fact, insurance can sometimes help a lot. For example, an accident insurance costs only 20-30 yuan.
But an accident may be about 1000- 10000 medical expenses, and at this time, insurance plays a great role.
With insurance, we can reimburse directly, which saves us a lot of savings.
3 fund fixed investment
Although the fund has plummeted recently, CreditEase found a problem. People who make fixed Buddhist investment earn more money than those who often look at their accounts.
Why? Because long-term fixed investment can evenly spread risks, reducing costs will definitely earn more in the end!
However, long-term holding is indeed a very difficult thing. CreditEase checked Fund A, and the fluctuation was very small. The average holding time of investors is 190.75438+0 days, which is about half a year.
This fund is still a very stable fund. If you hold a fund with large fluctuations, you will not hold it in the short term.
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