In the next 60 s, the retirement income will be greatly reduced with 2.1 million. How can we make old-age care affordable financial products for old-age retirement _ Sina finance _ xinlang net

Text journal intern Liu Xin

The pension of private enterprises is "not powerful", and their retirement life depends on themselves. After 60, Mr. Ding loves his own trip and wants to change his SUV. With a deposit of 2.1 million yuan, how can we maintain our original living standard after retirement? Should Mr. Ding replace his wallet?

The delayed retirement plan is pending in China, but as the "post-60" Mr. Ding, I am afraid he will share the "delayed" issue in any case. According to Mr. Ding's actual situation, his income after retirement will obviously shrink, so it seems to be a good option to delay his retirement. However, work seems to be a waste of work with the heart of a long journey. Mr. Ding hopes to earn a stable income after his retirement and fulfill his dream with his wife.

　　Private enterprises with poor white-collar benefits

Mr. Ding worked in a private company with an average after-tax income of 18000 yuan. At the end of the year, he had a red envelope. Company benefits are average, most of the income is paid in the form of bonuses, the basic salary is low, so the actual monthly payment of pension and provident fund is not high, in addition, there is no additional pension and provident fund.

If Mr. Ding retires now, he estimates that he can earn a maximum of 3000 to yuan a month ~ A 4000 yuan pension. Fortunately, in his 50 s, he had a two-bedroom, one-bedroom house and a "Shanghai Brand" car. The loan for his car and house had been paid off. Mr. Ding's daughter has also graduated from work. His only concern is the life of himself and his wife after retirement. Mrs. Ding retires at the age of 50 and his monthly retirement salary is only 2800 yuan.

　　How to link the transition between income disparity before and after retirement?

Before the age of 50, Mr. Ding also considered his post-retirement plan. At that time, he felt that he had been in the "active" status and was not "active" State for more than 10 years. Today, seeing his wife's retirement salary, he realized a little crisis.

The struggle of the first half of life left a deposit of 2.1 million yuan for Mr. Ding's family. When he was innovating financial products last year, he seemed to find a way to earn stable income after retirement from various "Treasures. At that time, based on the annualized rate of return of 6%, the annual profit can be 0.12 million yuan, enough to make up for the vacancy left by wages. However, the financial market is changing rapidly. Mr. Ding said with emotion: "Who can think of it? If it is less than a year, the revenue will drop from 7% of the peak to less than 5% ." As a result, he abandoned Internet Financial Management, switched to banking financial management with a recent rise in yields, and bought two products with a medium-and long-term return rate of more than 6%.

With lessons learned, Mr. Ding pays special attention to the changes in the financial management market. He has bought fortune management, participated in Baidu baifa, and paid attention to P2P products. He is also interested in trying it out because he has just been listed as the pay-as-you-go product of the 3.0 edition. However, Mr. Ding feared that the yields of these financial products were just a flash in the pan, and he was inevitably one of the "Treasure.

Like many retired people with low pensions, the old-age care problem has plagued him. Not only that, but the complicated financial management variety also gave him a headache. "In the last year, innovative products were dazzled, and each product had its own differences. People like me were overwhelmed ." Mr. Ding spoke to some people. He doesn't like "fancy" and cares more about the real stability and rate of return.

　　Should I change my car to an SUV when I retire?

According to his fingers, Mr. Ding's current car was used in year 56. When he retires, the car should be nearing retirement. He and his wife like traveling, and self-driving travel is a good experience, but considering the actual situation, is it appropriate for them to change cars?

Mr. Ding's car was a three-car with a price of 0.13 million yuan at that time, with a monthly overhead of about 2000 yuan. If he changes his car after retirement and considers high-speed driving comfort, he tends to choose an SUV of about 0.3 million yuan. However, he needs to weigh whether the cost of vehicle consumption will burden his family. Secondly, he needs to estimate the impact of the cost of buying a car on his family's assets.

After all, there are many travel methods, and driving is only one of them. Mr. Ding thinks that even if he is ambitious and wants to go to the "Sichuan-Tibet line", he still needs to make the best of his money. Travel is only a week or a month, and life is a year or a whole life. How can he deal with it better?

　　Monthly Income and Expenditure Statement (unit: RMB)

My monthly income is 18000, and my basic living expenses are 3100.

Spouse's monthly income is 2800 million, for example, 2500 out-of-office shopping.

Entertainment and leisure expenditures: 1200

2200 car maintenance fee

Other income 0 other 0

Total 20800 total 9000

11800 monthly balance

Annual income and expenditure statement (unit: RMB)

Year-end bonus 60000 travel fee 25000

Spouse year-end bonus 0 year-end bulk shopping 15000

Human transaction 5000

Other income: 70000; other 0

Total 130000 total 45000

Annual balance of 85000 RMB

Household Assets and Liabilities (unit: 10 million RMB)

Household Assets and household liabilities

Demand and cash 25 housing loans 0

Bank Financial Management 120

Internet Finance 50

National debt 0

Stock (market value) 10

Fund (market value) 0

Automobile (market value) 8

Self-housing 350

Investment room 0

And collections 0 other loans 0

Total 563 total 0

　　Net household asset value: 563

Pension investment can be divided into two"

Peng Li, national financial planner, financial Studio

　　May catch the last bus before the delay

For Mr. Ding's "delayed retirement", although the specific implementation plan has not yet been introduced, according to the information previously officially disclosed, it is generally 10 ~ In the past 20 years, the retirement age of men has been gradually extended from the current 60 years to 65 years. As a result, Mr. Ding is likely to catch up with the "Last bus" before the delayed retirement policy starts, that is, retiring at the age of 60 or before and after the age of 61.

　　Pension investment is divided into two parts

Although the retirement age is less than 10 years away, considering that the life expectancy of people is getting longer and longer, Mr. Ding must give priority to the longevity risk during pension investment planning, therefore, it is best to divide the current financial assets of RMB 2.1 million into two parts. Among them, 1 million yuan can be used for the first ten years after retirement (60 ~ 70 years old) insufficient social security and pension subsidies, and daughter dowry, daughter's wedding room, car maintenance, travel and other expenses that may be used in the past decade. The investment period of these funds is relatively short, so it is best to purchase some low-risk fixed-income products.

In addition, 1 million Yuan is spent on living expenses after the age of 70 or 75. At that age, the legs and feet are no longer as good as those in the age of 60, and the travel energy will be insufficient, A variety of diseases will also arrive unexpectedly, so more funds must be prepared for medical, household, and life-care expenditures. Because these funds can be invested for more than 10 years, it is enough to survive a bull-bear cycle. Therefore, it is possible to invest in equity assets with high risks but high potential returns, for example, purchase some index funds. After all, Mr. Ding does not have a second set of investment housing that can receive rental subsidies for the elderly. Only by appropriately increasing the expected return on investment can he make up for the gap in retirement expenditure.

The remaining RMB 0.1 million can be invested in currency market funds such as yu'e Bao, as an emergency reserve fund for families that can be extracted at any time for emergency purposes.

　No excessive pursuit of Internet Financial Management

Since the beginning of last year, the Internet Financial Industry has been booming, and Mr. Ding has also tasted the sweetness by buying various "babies, however, the current Internet Financial Products only use easy-to-understand languages and convenient investment experience to package traditional financial products. They are not truly financial innovations, it also has risks faced by traditional financial products. In addition, Internet companies are constantly launching various eye-catching gimmicks, making Internet financial products that should have been simpler actually more complex.

However, by looking at the nature of the phenomenon, fixed-income products always have a three-way (profitability, risk, liquidity) principle, such as yu'e Bao's currency market fund, with extremely high mobility and extremely low risks, the normal income can only reach 4% ~ 5%, while the annualized income of financial products such as long-term government bonds, bond funds, and capital-preserving banks or pension insurance is roughly 5% ~ 6%, relying on liquidity reduction to achieve higher benefits. If the rate of return reaches more than 8% of the fixed income products, they are generally short-term marketing gimmicks of Internet companies, or products with relatively high risks such as trust and P2P. It can be seen that no matter what name the wealth management product is packaged into, whether it is called this "Bao" is the "Bao", as long as the Three Principles to scan, you can find your own financial products. For Mr. Ding, it is a suitable choice for banking products that can earn about 6% of the profits and for hierarchical funds that can earn about 7% of the profits.

　　Changing cars or not depends on your retirement plan

Mr. Ding's final financial confusions are whether to change an SUV. From the perspective of the consumption cycle of a car, it is understandable that Mr. Ding will change his car when he retires, but whether he must change his 0.3 million-yuan SUV depends on Mr. Ding's plans for retirement. On the one hand, SUV prices are high, fuel consumption is high, and maintenance costs are relatively high. On the other hand, how much time does Mr. Ding spend on his retirement? What is the proportion of self-driving travel? How many times will self-driving tours go to the "Sichuan-Tibet line" and other rugged mountain roads? Is this mountain trip suitable for the elderly? Mr. Ding needs to think about these issues. If you just drive on a general highway, buy a 0.1 million ~ An MPV of 0.2 million yuan can also enjoy similar driving comfort as an SUV, with a larger internal space and fuel saving. Of course, whether or not to change the car or not depends on Mr. Ding's investment income and pension preparations during retirement.