A 35-year-old man has a monthly income of 5,000 yuan, and his partner’s monthly income is also 5,000 yuan. How can he save a pension of 3 million yuan at around 45 years old (50 years old at most)?

This is a question answered on Zhihu. Without discussing whether 3 million is enough for retirement, let’s discuss these two questions first: On the basis of a certain financial management goal (a pension of 3 million), we consider two variables:

1. The urgency of time, only 10 years of time preparation is considered, and the maximum is 15 years; 2. Financial resources, assuming that the couple can save at least 5,000 yuan per month and at most 8,000 yuan.

Let's analyze four situations: First, it takes 10 years to save 3 million yuan. Assuming that we save 5,000 yuan per month, our requirement for return on investment is 27%.

Second, it takes 10 years to save 3 million yuan. Assuming that we save 8,000 yuan per month, our requirement for return on investment is 20%.

Let’s first summarize these two plans and conclude that this plan is not feasible. 1. Financial products with annual returns of more than 20% are currently estimated to be achieved by real estate, but real estate policies are risky and the threshold is high. According to a monthly investment of 8,000 yuan,

The speed is simply not enough, let alone a monthly investment of 5,000 yuan; 2. Peter Lynch, the world’s number one financial guru, achieved an annual return of 29.5% when he managed the Magellan Fund. Buffett’s result was 26%. If you can also reach them

With a certain investment level, if you save 5,000 yuan a month, you can save a pension of 3 million yuan in 10 years.

Third, it will take 15 years to save 3 million yuan. Assuming that we save 5,000 yuan per month, our requirement for return on investment is 14%.

Fourth, it will take 15 years to save 3 million yuan. Assuming that we save 8,000 yuan per month, our requirement for return on investment is 9%.

Summarizing these two plans, we can conclude that after sufficient preparation time, this plan still has some feasibility. After all, if you can master the fund investment strategy, you can earn an annual return of 14%.

The premise is that during these 15 years, no emergencies such as accidents or serious illnesses will occur.

First, we must increase revenue and reduce expenditure, so as to diversify income and reduce expenditure at the same time; The benefits of increasing revenue and reducing expenditure are: 1. It can increase investment, which may realize dreams in advance, or reduce the risk of the investment portfolio.

2. Can meet other expenditure needs.

As mentioned before, the feasibility of the plan is based on the fact that there are no additional expenses such as accidents, serious illnesses, children's education, home mortgages, and supporting parents. The increase in income can meet other expenditure needs.

Second, learn investment skills, at least fund investment skills; there are many ways to save money, such as current, fixed-term, fund investment, P2P investment, investment insurance, collective fund trusts, real estate, etc. You can choose the one that suits you best

The way.

The fund has the characteristics of low threshold, low risk, and high return, and will be the first choice of many ordinary investors.

Third, do a good job in risk protection, and at least have a critical illness insurance policy; purchase accident insurance, and you can get corresponding compensation in the event of accidental medical treatment, which will not make the financial crisis worse; purchase critical illness insurance, in case of emergencies

You will not lose all your savings when you are seriously ill.

Fourth, prepare an emergency reserve fund, or at least a few credit cards as backup.

In cash planning, at least 3-6 months of expenditures should be set aside as an emergency reserve, especially for those who are renting a house.

When you are very short of money, especially when your income is interrupted due to unemployment, although it is not serious enough to sell your house, the consequences of not being able to repay your mortgage are the same because you don’t have an emergency fund or a few credit cards.

serious.