After the policy of 15 lump-sum payment was announced, rural people talked about it one after another, and each had its own controversy. The specific policy is: when men reach the age of 60 and women reach the age of 55, they will pay 90,000 yuan in one lump sum, and receive a monthly pension of about 1 100 yuan. As time goes on, the monthly pension will increase. At present, the rural elderly have no living security except receiving the basic pension in 60 yuan every month. This pension can be studied in detail to see if it is suitable for the elderly at home.

Paying 90,000 yuan at a time is not a decimal for rural people. The author made a table, comparing in detail the benefits of repaying the pension and using this 90,000 yuan for financial management:

If you invest 90,000 yuan in financial management, you can guarantee an annual income of 5%, and the income will be used to make living expenses for your parents. Then the income of these 20 years is:

If this 90,000 yuan is returned to the pension at one time, with a 5% increase every month, and the pension is received every month, then with the growth of time, the pension that the rural elderly get every year is:

Comparing the two pictures, we can see that by the eighth year, the investment income+principal can be almost the same as the pension received every year, that is, by the age of 68, the pension can be earned back. Then let's look at the advantages and disadvantages:

Benefits:

1. Considering the current living conditions and medical level, it is no problem for rural elderly people to live to 70 years old, and they can earn money for several years.

2. Old people in rural areas pay a one-time pension of 90,000 yuan, and they can receive more than 1 1,000 yuan a month, so their life in rural areas is guaranteed. The annual pension of 1 10,000 yuan is much higher than investment and financial management.

As long as it is not a serious illness, the rural elderly can live on a monthly pension, and their children have no other burdens.

Disadvantages:

1, Wansheng is seriously ill and needs a lot of money, which will be more troublesome. However, if it is used for investment and wealth management, at least 90,000 yuan of principal can be used for medical care.

The last thing I want is to die of sudden illness. Although I will return part of my personal pension, it is too small, only 8%. When I lost my loved ones, I also lost a lot of money.

After reading it, you can choose which way to provide for the aged according to your actual situation. After all, 90,000 yuan is not a small sum.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.