Is it feasible to save money for the elderly? How much can I save for my old age? I'll help you calculate an account!

In a blink of an eye, 2022 is coming, and the first batch of post-90 s have also entered the ranks of 30 years old, paying more and more attention to the issue of old-age care. Among them, some people choose to buy a house in advance, some people plan to hoard goods for the elderly, and some people pay pensions for the elderly. There is also saving money for the elderly, of which saving money accounts for a large part. So I will discuss the following with you today. Is it really feasible to save money for the elderly? With social security, is commercial endowment insurance still necessary?

First, is it feasible to save money for the elderly?

We can calculate first how much money we need to save for our old age. Pension is nothing more than food, clothing, housing and transportation+medical expenses. How much does an ordinary working class need to spend every month when it reaches the age of receiving a pension? At current prices, breakfast 10 yuan, lunch in 20 yuan and dinner in 20 yuan will cost 50 yuan one day, 1500 yuan for one month, 30 yuan for fruit every week and 1.20 yuan for one month. Suppose you have a house, and you need to pay property fees and utilities every month, which adds up to about 300 yuan. Traffic and travel are calculated according to 200 yuan every month. This does not include the medical expenses for minor illnesses such as occasional colds and fever. If you have a serious illness, hospitalization, surgery, medical expenses, etc. It is even more incalculable.

Suppose we start at the age of 30 and retire at the age of 60, and we can save 1000 yuan for the aged every month. For a period of 30 years, the deposit is 360,000 yuan. That is to say, if we want to save 1 1,000 yuan for the elderly, if we retire, we can only support ourselves until we are 78 years old, and this is just food and clothing. Not to mention traveling, sending children to school, getting married, buying a house, etc. In the event of a serious illness, spending hundreds of thousands at a time, or other changes in the family, then the money is far from enough.

Therefore, the working class wants to save money for the elderly, relying on self-discipline and relying on strong deposits. If it takes a long time, there may be a way home, but in the end it is definitely the best way for most rich people. However, the rich will not make money to support their old age through simple deposits. They will choose equity investment, whether it is stock market or entity investment, they will choose one or more. In short, it is definitely not enough for the poor and the rich to save money for their old age.

Let's talk about social security and pension. Social security payment needs to be paid in time. If there is a phenomenon of withholding, there will be some problems. Suppose social security pays 7,000 yuan a year, and 580 units a month according to the minimum ratio of five insurances and one gold. The payment base is 4000 yuan, and the basic pension is (4000+4000× 60%) ÷ 2× 6543; . Personal account pension = 4000× 20 %× 40 %×12×15 ÷139 = 414 yuan. It adds up to 894 yuan. That is, the social security payment is 7000 yuan a year, 15 years later, at least 894 yuan a month. Therefore, social security can only be used as a "spare tire" for our old-age care, and it is far from enough to rely solely on social security for old-age care.

Before we really retire, we should prepare the money we need to plan. At present, commercial endowment insurance is a good channel. Nowadays, many people not only pay social security, but also buy some commercial endowment insurance. So is it necessary?

Second, is it necessary to buy commercial endowment insurance?

First of all, what is commercial endowment insurance? Commercial endowment insurance is a long-term personal insurance with the main purpose of obtaining pension, and it is a special form of annuity insurance. After purchasing commercial endowment insurance, the insurer can start to receive the pension at the specified age by paying the fee on time. In this way, even if the income drops after retirement, the standard of living before retirement can still be maintained.

First of all, compared with social security, commercial endowment insurance is more flexible, and the collection of social security is actually very rigid. You must pay a certain number of years and reach a certain age before you can receive it. Secondly, commercial endowment insurance has the function of saving and investing, and most of the time there are additional accident insurance and critical illness insurance, which is very necessary for providing for the aged. So the essence of insurance is to help you resist some uncertainties in the future. For many professionals, life is smooth when they are young, but many people will have a relatively difficult life after their 40 s and 50 s, especially when they need to spend money for their children and families. If you can make money when you are young and can easily cope with this part of the premium when your income is high, buy yourself a new one.

Therefore, for most people who have a little spare money on weekdays, it is necessary to supplement themselves with a commercial endowment insurance on the basis of social security. We only need to supplement ourselves with a small amount of money when we are young, which will be of great help in the future. If you are not clear about commercial pension insurance, or don't know how to choose it, you can search for "Baibaojun" in Baidu. "Baibaojun" has a professional team of insurance planners, which can help you better plan your old-age insurance and choose the insurance that suits you.