As we all know, the main force of the deposit of residents in my country is the elderly group over 60 years old.Many elderly people have experienced a good habit of savings deposits in the era when they have experienced lack of supplies.The purpose of the elderly to save money is to live a happy life.In fact, after 60 years of age, people are not as good as before, or their income levels. There is a deposit in their hands, which is really necessary for the use of old -age care.
To this end, some people in the industry proposed that people are over 60 years old. As long as the deposit is higher than these three numbers, the pillow is at ease.It is mainly because under different circumstances, the elderly over 60 years of age have different requirements for future pension deposits.So, which three numbers of deposits exceed?Lets analyze it together:
First, there are elderly people with pensions in the city, deposit reached 300,000
Old people with pensions in the city have stable pensions every month, and their pensions can be raised each year.In this case, if there are 300,000 deposits in your hand, the pension will be at ease.Usually use these 300,000 deposits and interests to make up for home use.Once sick and hospitalized, although the elderly have medical insurance, they can reimburse most of the medical expenses.However, individuals must also bear some medical expenses.At that time, the elderly can withdraw these 300,000 deposits to pay this part of the medical expenses that the individual wants to bear.
Second, there are no pensions in the city, with a deposit of 700,000
Now there are a large number of flexible employees in the city, such as individual industrial and commercial households, freelancers, temporary workers, etc., and many of these people have not paid social security.Therefore, after the age of 60, they could only rely on deposits to retire.If the monthly living expenditure of the two elderly people is 2,500 yuan, it will take 30,000 yuan a year.
and the pension life after 60 years old is about 20 years.Then, at least 600,000 elderly deposits in the city are at least 600,000.If you add 100,000 yuan in expenses for medical treatment in the future.Then, the deposit of the elderly without pensions in the city must reach more than 700,000 in order to keep the elderly.
Third, the elderly living in rural areas, the deposit reaches 460,000
There are many elderly people living in rural areas. They usually have little living expenditures. Agricultural products such as vegetables, chickens, ducks, eggs, etc. can basically achieve self -sufficiency.Therefore, the monthly cost of the two elderly people in rural people is 1,500 yuan.It takes 18,000 yuan a year.If the old -age life after 60 is 20 years.Then, the deposit of the elderly without pensions in the city takes at least 360,000.
In terms of medical expenditures, the elderly in rural areas can participate in the new rural cooperation.Once you are sick and hospitalized, you can reimburse some medical expenses.Therefore, rural elderly people should prepare 100,000 yuan in medical expenses for paying for their own expenditure.In short, the deposit of the elderly living in rural areas reaches 460,000 to retire.
Once a person is 60 years old, he will start considering the problem of pension.If you have these 3 numbers in your hand, you can have a high pillow!For elderly people with pensions in the city, if the deposit reaches 300,000, you can feel at ease.For the elderly without pensions in the city, the deposit and pension need 700,000, after all, various expenses in the city are relatively large.For the elderly in rural life, the requirements for deposit and pension are relatively low. If the deposit can reach 460,000, you can keep your care.
