Monthly Deposit Of 500 Yuan To Eat Interest Is Difficult To Support The Elderly Pension Is Not Realistic

< p > < strong > save 500 yuan, interest is difficult to provide for the aged, < /strong > < /p >

< p > no wish to trouble country a href= "http://sjfzxm.com/news/index_cj.as" > pension "/a" is a good wish, but it is ideal and full and realistic.

Huang believes that relying on their own savings pension is not reliable, because it faces many risks.

"First is inflation risk, price rise and wage rise are all reflected."

Huang Xianfeng pointed out.

< /p >

< p > "investors must consider the inflation level before formulating their own pension plan."

Some financial experts said that CPI (consumer price index) is an important indicator of inflation. CPI is rising year by year, which means our money is becoming more and more worthless.

If CPI rises more than the rate of return on investment, that is, investment is actually a loss.

< /p >

< p > in view of the above scheme, the main < a href= "http://sjfzxm.com/news/index_cj.as" > investment < /a > is the 5 year zero deposit, and it involves 5 years of whole storage.

At present, the annual interest rate of 5 years zero deposit and withdrawal is 3%, and the annual interest rate of 4.75% years is 5. The statistics show that the average increase of CPI in the past 10 years (2003 ~2012) is 2.87%.

< /p >

< p > "it is effective for this netizen to invest in a 5 year deposit, but because the monthly investment is limited, the rate of return is not enough if the yield is not much higher than inflation."

According to the analysis of the financial experts, according to CPI annual increase of only 2% estimates, 30 years later, according to the above 500 yuan monthly savings pension plan, get 1508.93 yuan per month, the actual purchasing power is only equivalent to 828 yuan now, if the netizen's monthly living expenses is 1500 yuan, that means, can only provide him now 60% less than the living expenses.

< /p >

The more p CPI rises, the higher the inflation rate, and the less valuable money is.

If the annual inflation rate of 5% is calculated, after 1500 years in 30 years, the actual purchasing power will only be equivalent to the current 347 yuan, which is equivalent to only maintaining the present living standard, and 77% of the expenditure will have gaps.

< /p >

< p > < strong > demand for pensions or close to millions of low input should be matched with high yield < /strong > < /p >

In addition to safety considerations, pension investments must also take account of profitability when the monthly investment is limited. < p >

< /p >

< p > the average life expectancy is 85 years old and the average annual inflation rate is 2%. It is estimated that after 55 years of retirement, if we want to spend 30 years in an unrestrained way, at least 2000 yuan per month will require 970 thousand yuan in the Pension Reserve. If we want to live in a rich old age, the Pension Reserve will be as high as nearly 2 million 500 thousand yuan per month according to the standard of 5000 yuan per month.

< /p >

< p > if the above mentioned netizens have an annual return on investment of 10%, they will start investing at the age of 25 and invest only 431 yuan per month. After 30 years, they can reserve more than 970 thousand yuan pension, and maintain the living standard equivalent to 2000 yuan per month.

< /p >

< p > from the point of view of profitability, although the stock market has lost a lot of money in the past two years, the stock market is undoubtedly the most convenient high-yield investment place in the long run. If the above netizens will deposit 5 yuan of regular 500 yuan to equity funds every month for 30 years, it is expected to achieve an average annual return of 10% investment.

< /p >

< p > Haitong Securities takes the Shenzhen stock index as an example to calculate, assuming that the fixed investment investor will set up a Shenzhen stock index index fund every month, calculate the annual yield from 1 to 3 years and 5 years from January 2000 to May 2011, and do not consider the value of capital investment. The average yield of any 1 years, 3 years and 5 years is 10%~13%.

< /p >

< p > from a relatively long historical cycle, stocks or stock funds can also better beat inflation than deposits.

Statistics show that in 1980~2004, the actual annual yield of US investment in stocks was 9.47% (excluding inflation).

{page_break} < /p >

< p > < strong > suggestion: combination of fixed investment safety and profitability can be taken into account < /strong > < /p >.

< p > however, if the Netizens feel that they are totally dependent on the stock market, then choose the funds with different risk and income levels such as "a href=" http://sjfzxm.com/news/index_cj.as "stock fund" /a ", bond funds and Monetary Fund. They insist on investing regularly in a fund portfolio for a long time, and they can also earn higher earnings than bank deposits on the basis of sound and safe basis.

< /p >

< p > reference to mature market historical data, in the long run, the expected annual yield of equity funds is 10%~15%, bond funds are 5%~8%, and money market funds are 2%~3%.

< /p >

< p > the expected annual yield of stock fund is 12%, the annual yield of bond funds is 6%, and the average annual yield of money market fund is 3%. The expected return of investors with different risk and income preferences is as follows: for example, if venture ventured investors can invest 80% of their monthly investment funds, 20% of their money will invest in bond funds, with an expected yield of 10.8%.

< /p >