The topic of "retirement planning" added a lot of deep thinking to the two old friends in the early morning park.
"I'm going crazy, Dr. Li, you have to help me! This month's pension has not risen, but the food money and water bills have jumped for a long time, you say, how should I live after retirement?"
Lao Li was on a bench in the park, feeding the pigeons, while confiding in his old friend, retired Dr. Li. There was a trace of sympathy in Dr. Li's eyes, and he comforted softly: "Lao Li, I understand your anxiety, the pension problem is not just your troubles, listen to me slowly give you an analysis." ”
Speaking of which, to ensure financial security after retirement, many people may feel as anxious as Lao Li. After all, as the years go by, the workers who were once the pillars of society will enter retirement and face the problem of pensions.
There are generally four ways to help you enjoy your old age
The first option is to rely on employee pension insurance. It is a government-led social security system in which employees and employers participate in the contributions. After retirement, you can receive a monthly pension based on your contribution base, working years and other factors. But to reach the level of 3,000 yuan of monthly income that everyone generally expects, it is really necessary to work hard and pay insurance premiums stably for a long time.
For example, a province stipulates in 2023 that the full payment time needs to reach 30 years to ensure that the total amount of the basic pension and the personal account pension together reaches about 3,280 yuan. Of course, this is related to the local contribution base and the average social wage level, which will vary from region to region.
Then there is the pension insurance for urban and rural residents. This is a pension insurance system designed for the majority of urban and rural residents, especially for those who do not have a regular job or freelance. By making small contributions for a certain number of years, you can also have a stable source of income when you enjoy your old age.
Imagine that if you pay 5,000 yuan a year, at an interest rate of 3% per year, your personal account will accumulate a considerable amount after 40 years. At that time, plus the basic pension part, you will be able to receive nearly 3,000 yuan per month, which is enough for many people to cope with the regular expenses after retirement.
In addition to this, the personal pension, also known as the third pillar pension, provides another way to accumulate pensions. This kind of pension is completely paid by the individual, and the value of their own funds is realized by choosing the appropriate investment products recommended by the government.
In some way, if you assume that you deposit 1,000 yuan a month and the yield is 3%, your pension account will accumulate a considerable amount of money after 30 years. If you start retiring at the age of 50 and receive a monthly pension, you can also expect a monthly income of close to $3,000.
Of course, there is also the option of commercial insurance. Invest a certain premium at the right age, such as a one-time payment of 360,000 yuan at the age of 30, and a pension of about 3,030 yuan per month when you are 60 years old, plus potential investment dividends, and the future income is considerable.
Lao Li frowned, as if he was a little dizzy by these choices and calculations, and he sighed: "With so many choices, what should I do?"
Dr. Li patted Lao Li's hand and said kindly: "The choice is always tangled, but it is better for us to start from your current situation and find out the most suitable pension planning path for you." Remember, it's always good to prepare and plan early, and don't let anxiety eat up the good times of your old age. ”
Perhaps, finding the right pension plan is also so that they can enjoy more carefree mornings in this sunny park.