In the future, many middle-class people will go bankrupt when they get old

It is not easy to become the middle class, but it is easy for the middle class to fall back into poverty and eventually go bankrupt.

Since last year, the phenomenon of "middle class returning to poverty" has sparked heated discussions, and the so-called "middle class returning to poverty" refers to the phenomenon of some middle class returning to poverty due to inappropriate allocation of funds, and then encountering an economic downturn and reduced income.

According to Hurun Report, the entry threshold for the middle class must be 3 million yuan in family assets, more than 200,000 yuan in annual household income, and more than 300,000 yuan in first-tier cities after deducting various liabilities.

Why are the middle class so vulnerable with millions of assets in their hands?

There are three main reasons.

First, because the child returned to poverty.

Observation, in the past 10 years, the Internet, education and training, manufacturing and other industries have developed vigorously, and many people have achieved a class leap because of these industries, and have become the middle class. In a way, the middle class is a product of a specific period of time.

Stepping on the tuyere of the times, it is entirely possible to take advantage of the trend, but it will also be lost due to the disappearance of the economic dividend period

Once the industry in the position declines, the income will also plummet.

After the dividend period, the growth rate of wealth slows down or even declines rapidly, but

The middle class, which has always been anxious, has already poured the money they earn into the next generation, hoping to preserve the value of their children's lives.

As a result, tutoring institutions, school district rooms, extracurricular interest classes, attending international schools, studying abroad, etc., at the same time, the funds also slipped away like flowing water, and once education began, it was difficult to press the pause button, so some netizens called this

"Returning to poverty because of children".

Second, it is due to investment and poverty alleviation.

The middle class will buy low-quality assets with their hard-earned money. These assets, or wealth management products, or stock funds, or real estate in second- and third-tier cities, etc., originally wanted to rely on these assets to make money, but who knew that they had caught up with the financial thunderstorm, the A-share slow bear, the real estate opened a new cycle, and the attributes of de-financialization, and the previous investment dreams were shattered.

Third, there is no plan for pension money in advance, which leads to bankruptcy in old age.

In the past, retired people could live very well on social security pensions, but in the future, there are fewer and fewer young people, and people are living longer and longer, and they will live for twenty or thirty years or even longer after retirement.

The pension benefits we will enjoy in the future may not be half that of our parents.

The impact of this change on the middle class is huge. If we don't prepare in advance, we are likely to return to poverty after retirement.

The well-known Japanese documentary "Bankruptcy in Old Man" reveals to us such a truth: many elderly Japanese people cannot escape the fate of "bankruptcy after old age" even if they work very well when they are young, and the important reason for their poverty is because they did not save for emergency pension when they were young.

Kawaguchi, the interviewee in the documentary, bluntly said:

"When I was young, I never thought that old age would be so difficult, and the current situation is very different from what I imagined when I was forty or fifty years old. ”

In the face of the crisis of returning to poverty, how should the middle class save themselves?

We have two suggestions:

1. Enhance the certainty of family finances

The uncertainty of the times is deepening, and it is recommended that middle-class families adjust their asset allocation and allocate more cash-like assets that are safe and stable with certain returns.

On the one hand, this type of asset can resist the risks brought about by changes in the economic cycle, and on the other hand, this type of asset has strong flexibility and is convenient for liquidation.

Among insurance products, increased life is a good choice.

Incremental life insurance is like a family's "wealth reservoir", the money in this pool can be withdrawn at any time when it is needed, and the money will steadily increase in the policy when it is not needed. The policy benefits of the increased life are written into the contract, and once purchased, the long-term interest will be locked, and the policy will not be affected regardless of how the external environment changes.

Take the following product as an example, a 40-year-old man, a 1 million policy, paid in 5 years, and an annual payment of 200,000.

In the year in which the total premium is paid,

The cash value of the policy has exceeded the total premium,

Each year after that, the policy will steadily increase according to the figures in the table.

After the policy closure period, the money can be cashed out at any time when it is needed.

In the event of a serious illness or any unexpected situation that requires money, you can take out the money from the policy at any time by reducing the policy.

2. Start planning for the elderly as soon as possible

The vast majority of the middle class are in middle age, and this time is the critical period for planning personal pensions.

For the elderly, we recommend using the pension to plan.

Pension is the only tool other than social security that can provide lifetime income cash flow.

As long as we live, money will be transferred to our bank card every month, how long we live, and how long we will receive it.

Take the following product as an example, a 36-year-old woman pays 100,000 yuan a year for 10 years.

From the age of 60, you will receive about 104,000 yuan per year (about 8,600 yuan per month), how long you live, and how long you will receive it.

By the age of 80, the pension received is about to be accumulated

2.18 million

If you surrender the policy at this time, you can get it back in one go

About 620,000

If you do not surrender the policy at this time, you can continue to receive it for a lifetime.

When you reach the age of 88, you can still receive an appointment

104,000 birthday money

，

It is equivalent to receiving 2 pensions in this year.

By the age of 90, plus the birthday pension, the pension will be accumulated

3.32 million

If you surrender the policy at this time, you can get it back in one go

About 300,000

If you do not surrender the policy at this time, you can continue to receive it for a lifetime.

Dr. T: Bachelor's and Master's degree from Nanjing University, Ph.D. from Sun Yat-sen University, has consecutively attained the International Life Insurance MDRT Top of the Table (6 times the MDRT standard, less than 3/100,000 in the industry), and is the author of "Buying the Right Insurance: An Insurance Primer for the Busy" (published by Tsinghua University Press).

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