Preface
With the improvement of living standards, the middle-aged and elderly people in the mainland have been greatly guaranteed their lives after retirement.
When they were young, they worked hard for the sake of their children and grandchildren, and when they retired, they had a pension in their hands and lived a happy and fulfilling old age.
It's okay to dance square dances and travel around the country to relax, so many people plan their retirement life when they are about to retire, but no matter how much you have in savings, don't do these 5 foolish things.
Blindly follow the trend of investing
After retirement, many elderly people have a rich economy and plenty of time, so they think of investment and financial management, so that "money makes money" wealth preservation.
This is originally a good thing, but because the elderly lack financial knowledge and weak legal awareness, they often blindly follow the trend of investment in order to pursue high returns, which will lead to various disputes.
Often high returns are accompanied by high risks, and the psychological weakness of the elderly cannot bear the losses caused by high risks.
Older people have little understanding of professional financial knowledge, and they buy what others recommend, which gives scammers an opportunity to take advantage of.
If you don't believe in others, you blindly follow the trend, and when you see others buying, you will follow the trend and speculate in stocks, but you don't have a detailed understanding of the product, so that in the end, you are likely to lose all your money.
Therefore, if the retired elderly want to invest before investing, they can communicate with the woman first, and with the help of their children, they can understand the relevant "financial products" and then do a good job of risk regulation before investing.
Or buy treasury bonds with an interest rate of 3.2%, not to mention the considerable returns, the risk is also small, safe and reliable, but do not be greedy, ensure the safety and liquidity of property, so as not to be deceived.
Don't save too long on a regular basis
The elderly are a special group, and saving money needs to be planned, otherwise it will lose a large amount of interest every year, not to mention, and it will be a delay.
The elderly should not save money for too long, the body is not as good as the young, the age is not to accept the old is not good, the elderly walk on the road and fall, that is a lot of expenses, hospitalization has to ten days and half a month.
If you save the money for too long, you can't cope with emergencies when you need to use it, and withdraw it in advance, and all the interest will be settled according to the current interest rate, which is equivalent to saving in vain.
It is very suitable to save for a one-year or half-year fixed term, so that although the interest rate is relatively low, it ensures the flexibility of money.
Or if you have a deposit in hand, you can make a long-term and short-term mixed deposit and withdrawal, and you can divide the money into 3 parts, one for one year, one for two years, and one for three years.
When the money matures, it is redeposited for a fixed period of three years, which not only ensures the flexibility of the money, but also guarantees the interest income of the largest Chengdu.
Don't buy too many supplements
As they get older, this inevitably makes people anxious and want to enjoy a few more years of life, so many retired seniors have joined the camp of health supplements.
They buy health supplements with the intention of wanting to live a long and healthy life, and when they blindly buy a lot of products, it will backfire.
Health supplements are different from medicines, and unlike food, they can neither cure a certain disease nor make your body stronger and stronger.
Some people once wanted to receive free eggs, but then they listened to a lot of lectures one after another, from questioning to recognition, and finally bought a lot of products, not only did not improve their physical condition well, but even slowly emptied their family funds.
The mountains of health care products that are piled up will eventually expire and be thrown in the corner and no one cares about them, and the body cannot digest and absorb them well, and even have side effects.
If you have a problem with your body, you can only achieve a good effect by prescribing the right medicine, and there is no need to take supplements if you are healthy without disease or pain, and it is also good to exercise more if you have nothing to do.
The most important thing is to allocate limited financial resources to the most critical areas, so that the pension can be used to the greatest extent, maintain the quality of life of your old age, and ensure your financial security.
Don't lend money to others
Borrowing money is supposed to help others get out of trouble, but the reality is that it can easily develop into conflicts and disputes between relatives and friends.
It's easy to borrow money, but it's hard to repay it, and it's not good to ask others to ask for it, and it's not good to pull down your face, worrying about affecting the relationship, but your money is not mentioned by people to pay it back.
If you urge too many times, people still think that you have too many things, and the other party just delays and does not return, which is very helpless.
As the saying goes, it is good to borrow and repay, and it is not difficult to borrow again, this is not applicable to everyone, borrowing money also depends on the character, "borrowing urgently not borrowing poor" When borrowing money, you must write an IOU, don't be confused and lend it out regardless of anything, and it will be troublesome at that time.
Sometimes you lose money and lose money, but you will also lose relatives and friends, sometimes you lend out more than half of your savings, and when you need the money urgently, others can't pay it back, which will indirectly affect the relationship between family members.
There are too many uncertainties in the money you lend, so when you borrow money, you must understand the needs of the borrower, if it is indeed an emergency, it is not too late to borrow, but the IOU is also essential.
Don't hide your savings and plan your estate ahead of time
This is very important, some elderly people after getting the pension, they will quickly deposit the money in the bank, and then hide the deposit slip, otherwise the family will know.
I am worried that I have worked hard to save the money of my life, and I will be lost by my children who come to ask for money twice in three days, and I will turn my head and turn my face to deny people and be unfilial to myself.
But this also produces some unnecessary troubles, that is, when the elderly are sick and die, the children do not know the deposit amount and password, resulting in the inability to withdraw the money, so it will be very troublesome to find.
In the end, I have to go to the notary office to be fair, and my relatives voluntarily gave up before they could take it out, and most of the people now live their lives behind closed doors, and some relatives have not been in contact for a long time, because this matter is specially run, and in the event of any accidents, the gains outweigh the losses.
At the same time, not telling the children will also make the two generations estranged, in fact, most children are still relatively filial.
When people reach old age, there are many inconvenient times, and planning their own property planning in advance can reduce the trouble and disputes brought to the family.
Regardless of whether the children are filial or not, at least they can leave them for their children and keep a memory, otherwise they will become a dead account in the bank.
epilogue
No matter what it is, elderly friends need to remember that money is something outside the body, and if you can't live and die, you should eat and drink while you can still move, and don't put it in your heart when you encounter something, and a good attitude is very important.
Retirement life is a new beginning, and the reasonable use of retirement funds can lead to a happy life in old age.