This topic is actually heavier, what are elderly parents?
One is the old couple who have children, who are themselves late in childbearing, and when their children reach adulthood, they are also close to 70 years old. The other is an aging, aging family structure, and all members of the family are elderly.
These two kinds of families belong to elderly parents, how to give elderly parents pension, which is also a problem that must be faced with the advent of aging, and it will become more and more common.
First of all, let's talk about the first kind, the old come to have children, the child has just reached adulthood, but the parents are already old, at this time it is unrealistic to want to rely on the young people who have just entered the society to give themselves a pension, and even if the child is very prominent, he may not be able to have this heart and ability.
Therefore, for families who marry late and have children later, it is best to rely on themselves. The specific preparation of the pension method can start from the following aspects:
1. Pay pension;
2. Buy commercial supplementary insurance for the elderly;
3. Housing for the aged;
4. Reserve pension accounts in advance and manage pensions.
Because you can't rely on your children, so such a family, the most critical is to plan in advance for the elderly, such as 40-year-old children, then you have to prepare your own pension account in the same year, otherwise it will be difficult to rely on your newly adult children to help you share the pressure of aging life.
Let's talk about the problems of this elderly family that we will all encounter. Now it seems that our parents have pensions, and when they retire, they are both fifty or sixty years old, very young, and they don't need us to prepare an extra pension for them.
But in the future, as a generation of late marriage and late childbearing, according to the above case, we have prepared the planning for the elderly in advance, but when we are old. I and my parents are also getting older. Sons and daughters, 60 years old, have to support their parents who are 80 to 90 years old.
Coupled with the delay in retirement, our generation, originally married late, the children are 35 years old, and when they retire, the children are not yet minors, which is the first situation, and their parents, they are also more than 20 years older than us, that is to say, their own pension, the parents' pension needs us to consider.
So the pressure of our generation's pension is actually particularly large. So how to prepare a pension plan for "elderly families"?
1. Commercial insurance.
Because it is an elderly family structure, buying commercial insurance for yourself and your parents as soon as possible can ensure that some serious diseases are seen and affordable, and they will not be rejected by insurance companies because of age.
If you have the ability, it is better to prepare insurance in advance, so that you can give yourself a little more preparation time, it is easier to make money when you are young, and the threshold for insurance purchase is lower.
2. Housing for the aged.
Although the era of three generations of one shop has passed, in the core area of the core city, a good house is still a good house, if you have the ability, do not waste your pre-marital purchase qualifications.
The first purchase qualification, as far as possible to buy value-preserving real estate, so that it is more reliable than raising children to prevent aging. Living in a small city with a suitable environment, renting out real estate in core cities reduces the cost of living.
3. Pension wealth management account.
It is not necessary to buy funds, buy stocks, as long as it can maintain and increase in value, the 4% annualized interest rate does not look high now, but in the future, with the advent of the era of negative interest rates, we can see that this fixed income product will be less and less.
Pension accounts are mainly stable, so the combination of fixed income allocation and risk account configuration, then the future compound interest of the account is enough to support 6 elderly people.
4. Exercise well
Exercise well. Don't stay up late, don't drink. Do not smoke, drink less milk tea and cold drinks, the body is the key to the elderly, otherwise the body is consumed when you are young, and how much money you spend when you are old cannot be exchanged.
Now look for boyfriend and girlfriend to see the appearance, when you are old, it is better than whose wife is in better health. The best way to reduce the burden on yourself or your family is not to get sick, be healthy, and live a long life.
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Article source: Lisasong community