Some people don't trust pension accounts and think that the state should melt money. Some people see that the fund's rate of return is discouraged this year, and some people say that they want to cut leeks.
I personally understand that, in fact, in simple terms, social security pensions are really not enough, so young people are forced to save.
Pension is not enough, generally take three methods, or their combination:
1. Reduce the pension level;
2. Raise the age at which pensions begin to be collected, that is, delay retirement;
3. Increase the payment amount
Social security pension has a term called pension replacement rate, which is the ratio of post-retirement salary to pre-retirement salary.
It is generally acceptable to postpone retirement. After all, now I have a long life and good health, and I can still be alive and kicking at the age of 60.
However, the decline in the replacement rate may be more psychologically unacceptable. Salary before retirement 1000 yuan. After retirement, the replacement rate is 30%-40%, and it costs three or four thousand yuan.
Although I had a mortgage and children when I was young, I spent more and stayed less. But in old age, medical care, nursing and even psychological needs will not be less than those of young people.
Not to mention, I hope to go out and have a look while my legs and feet are still flexible.
When I was young, I still had time to continue to make money, but when I was old, I could really rely on such a small pension.
The impact of pension reduction will not only affect these recipients, but also affect the next generation.
Based on this, personal pension has been boosted by the whole financial industry.
Personal pension has one of the most obvious "shortcomings": it is put in 12000 every year, and can't be taken out until retirement, and mortgage loans such as insurance policies and houses are not accepted.
The biggest advantage of this is that this money is for your old age.
One year is 65438+200,000. If you save for 20 years, you must save at least 240 thousand yuan-the money in your personal pension account can be saved without any savings or investment products, and there will still be current interest.
As for the problem of how much pension can be solved by 240,000 yuan-how much can be solved-according to the annual expenditure of 60,000 yuan, four years will be lost.
Therefore, it is not ruled out that the upper limit of this quota will continue to be adjusted and improved in the future.
Considering that there is not much difference between the types of investment and personal investment, the idea of deliberately melting money is far-fetched
This year's market, the yield is a little scary. However, after reading it for a long time, it may be good.
Funds are inherently unstable. For those who want to invest in funds, they should also have the ability to choose funds and accept withdrawal.
As for the pension is to cut leeks, I think it is impossible for the pension to cut leeks. Unless you don't want to live, you will be cut by your pension if you want to cut it. Look at the stable annual rate of return of social security funds)
There will be some fluctuations in the pension market, but there are too many bonds in general and it is unlikely to lose money.
Personally, I even think that no one can let the pension lose money. Of course, personal opinion.
There are still many people who are struggling with taxes and how much money they can save. It is more cost-effective to participate in the income and tax rate, and maximize the benefits.
I think it is second, as long as the overall rate of return exceeds 3%, you can join. This 3%, there will be a great probability.
Of course, the annual pension reserve is only 65,438+200,000, which is still not enough. Other savings and investments are still needed.
Real estate has been good: the refinancing of listed real estate enterprises and listed companies involved in housing has resumed.
Yesterday, both housing enterprises and properties rose. In the end, investors should pay for the real estate problem.
However, whether the regulation of the property market will be relaxed is unlikely.
Some people from the Ministry of Housing and Urban-Rural Development said that if the regulation of first-tier cities is liberalized, the inflow of housing funds may accelerate the collapse of the property market in the third, fourth and fifth tier cities.
If it is just needed, it is quite suitable in the last year or two.
If it is an investment, it is not recommended.