We Can'T Rely Solely On Insurance And Deposit &Nbsp; We Interpret Three Levels Of Pension Consumption.

"Wife, let's slow down the matter of buying a car."

Big Guo lying on the bed stared at the ceiling. He talked to his wife and Xiao Ying in the daytime, and calmly analyzed, "about 2000000!

Our salaries add up to less than 100 thousand yuan a year.

"Then we still have old age.

Can't rely solely on

"If we only rely on old-age insurance, the standard of living after retirement is at most 60% of that time.

That is to say, if we spend 2000 yuan a month now, we will only be able to protect 1200 yuan now, almost half of it. Now we will spend far more than that. And the wage increase will be true, but don't forget that we are also at risk of the instability of the source of income. Who can guarantee that we will not lose jobs in the next few decades? Who can guarantee the steady growth of our wage level?

When people are aware of the old age crisis they are going to face, they can not help but wonder: who should we depend on for the sake of providing for the aged? Of course, if you firmly believe that even if the level of living is greatly reduced, you can still be happy about the pension problem, so there is no need to worry too much about the pension problem; but the question is, who is willing to give up the dream of pursuing a happy life? Who is willing to live a tight life after a long life? It is said that retirement is the second blooming of life, and who does not want to make his retirement life colorful?

We can plan the healthy financial structure through the solution of the bank family asset allocation, through the commercial endowment insurance, the major illness insurance to escort for the old age life, but also through the fund fixed investment, adds the color to the realization of the better old age life.

When we focus on the financial investment and financing market, we will see the hope of happy life in the future. This is not the second day.

Pension is not a single problem.

"Don't look at sister Na, who now lives by writing, but she used to be a brilliant student in finance." Xiao Ying introduced her colleague, sister Na, a master of Finance in a famous university.

To solve the pension problem, we must first find out what problems are included in the pension system.

Listening to miss Na's words, Xiao Ying and Da Guo looked at each other.

Seeing two people's faces puzzled, she smiled and explained: "the pension problem is a general concept. There are too many old age spending items.

Therefore, even if we calculate the expenditure we may need in the future according to the consumption level, we can not find a solution to the problem fundamentally, and at least we can not find the most suitable way.

"So for you, first of all, we need to refine our pension problems, such as how much money we need to eat and drink, how much money we need to wear, how much money we need to dress, medical, pportation, entertainment and so on. Only by subdividing this way can we formulate different financial targets for different pension needs, and making and defining goals is the major premise for all financial planning."

Three levels of pension consumption

The first level is the basic guarantee, that is, to maintain basic consumption such as clothing, food and shelter, as well as basic medical insurance. The second level is living above average consumption and medical care; the third level is to have a better consumption life, including tourism, entertainment and other higher consumption levels.

Sister Na analyzed.

"Clear these three levels, and also clear your financial goals.

The goal of the first level can basically be satisfied by social endowment insurance and medical insurance, and the second level objectives need to rely on commercial insurance.

Third levels of goals usually need to choose high-risk financial products, such as Everbright Bank (601818, stock bar) sunshine asset allocation plan or through the Everbright Bank's "fund fixed investment" business, to invest in a stock fund or index fund, through long-term investment to achieve the steady growth of assets, toward their own goals.

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The replacement rate of pension refers to the ratio between the level of retirement pension and the level of pre retirement wage income when workers retire, and it is one of the basic indicators to measure the difference of life security level between workers before and after retirement.