But one thing, as a 45-year-old, if it is not because of illness or other special reasons, it is best to do some work instead of talking about the truth, but to pursue factors. I always feel that doing some work is much happier than fooling around all day. Of course, if you retire, you can travel and wander around, but you can't run outside 360 days a year! When you go home, your friends and colleagues of the same age are doing their own work, so you can only stay at home. After a long time, you will inevitably face loneliness, which is the hardship of those retired people.
So don't take work as a burden, in fact, many times you are also looking for a pursuit of happiness! So it's good to be alive and comfortable, just like climbing a mountain. In fact, they are the happiest in the process of climbing. When they reach the top of the mountain, they will only feel tired. It is not difficult to understand that life pays more attention to the process, and in this process, they can really enjoy happiness! Not just the result.
With a house, a car and a deposit of 500 million yuan, you can retire early, and you can travel around the great rivers and mountains of the motherland and taste the delicious food all over the country in the rest of the time. Why not?
You can retire early according to your own conditions. 5 million deposits for financial management, the annual income can reach about 200 thousand, which is enough.
This is definitely not enough. Unless you have a deposit of 50 million pounds, you must continue to work. A friend of mine works in Shenzhen. He is 48 years old. He already owns two properties, each worth tens of millions, but he is still working hard.
During the Spring Festival of 20 18, his family went back to their hometown from Shenzhen for the holiday, and several friends had tea and chatted together. Inadvertently, several people talked about retirement.
Lao Peng works in public security organs, specializing in criminal investigation technology. When talking about this matter, he looked helpless and had a lot of work pressure. He just wants to retire early, but this wish is difficult to realize. He had to "boil the oil" slowly and eagerly looked forward to the arrival of the opportunity.
Lao Zhang is a middle-level leader of a bank. He also complained that the work was hard and tiring, and the pressure was too great, making it difficult for people to breathe. He is also eager to retire and liberate himself as soon as possible.
When I work in a public institution, I am faced with many trivial matters and great pressure. I often feel exhausted and eager to retire and relax as soon as possible.
But we all lament that we can't make a decision. This wish cannot be realized at all. I really envy this friend who works in Shenzhen. Everyone said: If I stopped working as early as he did, I could sell two houses, buy a villa in the mainland and live a happy life with peace of mind.
But this friend said: Life is like climbing a mountain. When you climb a mountain, you will see different scenery and different ideas.
In fact, I feel that I am a migrant worker in Shenzhen and may be eliminated at any time. I dare not stop at all. Only by working harder can I be an ordinary migrant worker in Shenzhen. In order to better integrate myself and the next generation into local life, I have no choice, ...!
I really understand Maslow's hierarchy of needs now, and my own present situation is such a state that I can't get rid of it at all.
Then several friends talked about the growth of their children, and soon several friends got a ride home in a slightly drunk state. From then on, our friends will never envy others again! Because, everyone actually has their own distress, just because we don't understand it clearly! Therefore, whether the subject works or not depends on his own ideas, as long as he is happy and satisfied!
what do you think?
Of course, 5 million deposits can be withdrawn! At the age of 45, if you deposit 5 million yuan in the bank, you can get a lot of interest income every year, which can be said to be enough to live a better life. Of course, if you want to live a better life, you may still need to work hard.
You can withdraw with a deposit of 5 million. At the age of 45, you have a house, a car and no loans in a first-tier city. A daughter with a deposit of 5 million can of course retire. You can deposit 5 million yuan in the bank deposit certificate, and you can earn a lot of interest a year, which can be said to be enough for you to live a better life.
At present, the interest rate of large banks' 3-year certificates of deposit can reach 4. 125%, and some banks can also pay interest on a monthly basis. Therefore, if all the 5 million deposits are deposited in 3-year certificates of deposit, the annual interest can reach 206.25 million yuan, with an average of1.71.
The monthly interest income is 1.7 1 10,000 yuan, and with a car and a house without a loan, such interest income can also lead a pretty good life.
Generally speaking, a monthly living allowance of four or five thousand yuan can make life better. Then you can spend 40,000 to 50,000 yuan a year to travel, and you can go abroad once a year and travel to two places in China, so the total cost saved by14,500 yuan is almost enough.
The remaining interest of RMB 6,543,800+can be used in case of emergency or kept. In this case, there will be more and more deposits and life may be better.
So the 5 million deposit can be refunded.
But if you think better, you may still need to keep making money.
If you want to live a better life, you need to continue to work hard. With 5 million savings, you can really live a pretty good life. But if you want to live a better life, you still need to work hard to make money.
You are 45 years old, you already have a car, a house and no loan, and you already have 5 million deposits. This achievement shows that you are really capable.
You have a daughter now. If you want to live a better life in the future, or if you want to buy a house for your daughter, then there is no doubt that you need to continue to work hard.
Although the monthly interest income of17,000 yuan is quite good, and you can live a pretty good life, if you want to live a better life and live a more free and unique life, you may need a deposit of10,000 yuan or more.
Therefore, if you want to live a better life, you still need to continue to work hard to make money.
Conclusion To sum up, 5 million deposits can of course be given up! At the age of 45, if you deposit 5 million yuan in the bank, you can get a lot of interest income every year, which can be said to be enough to live a better life. Of course, if you want to live a better life, you may still need to work hard.
Hello, landlord, with a deposit of 5 million, you can retire at the age of 45. Do you want out? 5 million deposit, then at the age of 45, I think it is eligible to leave early. Because in fact, as an ordinary working class, his normal total salary in his life is actually less than 5 million. Let's do a simple calculation. The after-tax income of 5000 yuan per person per month is very high. Then add your pre-tax five insurances and one gold, and the social security may add up to 7000 yuan at most.
That's 84,000 yuan a year. 10 is 840,000, and the maximum working time is 40 years. That's less than 3.4 million. In other words, you have a deposit of 5 million yuan, which exceeds the income of most working-class people. In fact, many working-class people can't earn 5,000 yuan a month, and according to the pre-tax ratio, some people don't even have 500 billion yuan, so the total income of most people in this life is actually 2 million to 3 million yuan.
Obviously, you have 5 million yuan and have the conditions for early retirement, and you are only 15 years away from the legal retirement age, so in the next 15 years, we can pay social security according to our flexible employment, and we can't interrupt our social security, because we will still enjoy the pension in the future, and at the same time, make effective investment in this 5 million yuan. For example, if you buy regular financial management, you can get at least 5% return and income every year, which is basically 250,000 yuan per year. On average, every month, you have at least about 65,438+03,000 yuan. So, you can really give yourself early retirement.
Thanks for reading, please add my attention.
The 45-year-old first-tier city man has 5 million deposits, a house and a car, and only one daughter. Parents don't need to support themselves. This situation makes many people envy, at least 99% of people's families are like this.
If you want to retire, you still need to plan your cash flow.
People can't stay at home every day after retirement, have nothing to do after dinner and watch TV, right? Especially at the age of 45, in the prime of life, there may be many ideas and plans to be realized. For example, travel around and do your own little things. If you have no other income and only rely on savings, you may not be very optimistic about this matter.
If the deposit of 5 million yuan is invested through bank financing, the annualized rate of return should reach 5%~7%. According to the annual income of 300,000 yuan, is 300,000 yuan enough for this year's expenditure?
Everyone says that daughters should have food and clothing, so they spend 654.38 million yuan on planning every year. In fact, all kinds of remedial classes, interest classes, study tours, college living expenses, finding a job, getting married and buying a car may still be stretched.
And then 200 thousand a year is enough for your own use There is definitely no problem with eating and drinking, mainly because you need a lot of money to realize your interests, relatives and friends, and social interaction. Daily household property fees, water and electricity heating, furniture renewal and vehicle maintenance are really indispensable in first-tier cities, and it is really not much to spend 6.5438+10,000 yuan a year.
The 6.5438 million yuan saved is an emergency, and there is always a place to spend it.
It seems that 5 million yuan is enough as a source of income, but what about currency depreciation? Once the risk occurs, the currency will depreciate sharply. According to the data of the central bank, m2, the broad money of our society, has now exceeded 200 trillion, compared with 1.5 trillion 30 years ago. At 45, we plan to be 80. The average life expectancy in Shanghai is 83.63 years, including 86.08 years for women.
How much can 5 million depreciate in 30 years? What if someone is alive and the money is gone?
As for my parents' house, consider it a dowry for my daughter. You can't sell the house you live in. Therefore, it is impossible to say no only by saving 5 million yuan in the bank to support the elderly, but there are great risks.
Of course, there is a basic coping guarantee, that is, paying a pension insurance with the highest base for yourself and your lover, and you can also receive a pension of 1.8 million yuan when you retire. However, this part of the burden is not low. The payment base of Shanghai's old-age insurance has exceeded 8,000 yuan. Assuming that we pay according to the base of 24,000 yuan, then the monthly old-age insurance should be at least close to 5,000 yuan, and one person should pay 60,000 yuan a year, and this part of the cost is still increasing year by year.
So, maybe 5 million is not enough. Don't retire too early.
What is a rich man?
A 30-year-old with an annual salary of 300,000 and a deposit of 6,543.8+0,000 is a rich man! A 40-year-old deposit of 5 million is also a rich man! Individuals with 5 million deposits should be at the top of the pyramid.
There are countless families or individuals with assets exceeding 5 million. After all, the house price is there. However, there are still few individuals who deposit 5 million yuan. This is what we often call "the 20% group that controls 80% of resources."
Congratulations, the theme is the 20% rich!
0 1, theme situation theme situation:
5 million deposits, a house and a car, no loans, a daughter, and parents to support themselves. This is appropriate without any burden, and some of them are fearless and enviable!
At the age of 45, you can retire, and you don't have to do it!
But this is our idea, and the key depends on how high the living standard of the subject is. If the subject wants a high-end life every day, the monthly expenses are particularly large, such as 654.38+ 10,000 yuan a month, which will be squandered in a few years.
If you have your own life plan, such as increasing revenue and reducing expenditure, planning and using the money well, that is another matter. It is entirely possible to spend this life with this 5 million yuan.
This is analyzed as the thinking of ordinary working class.
02. From the perspective of economic conditions, economic conditions determine the future direction of the family. Owners not only have real estate, cars and other fixed assets. Moreover, it has 5 million family deposits, which not only solves the problem of food, clothing, housing and transportation, but also has huge deposits for family life, which makes many people envy.
Many working-class people have worked hard for decades, and when they reach the age of 45, they may not have to pay off their mortgages, car loans and other loans. The family economy is still negative, not to mention the family has deposits, not to mention the huge deposits of 5 million.
These 5 million depositors are at the top of the pyramid. Imagine that there are still 600 million people whose monthly income is 1 000 yuan, which is not enough for family living expenses, but they are not living as usual. As you can imagine, this theme has 5 million.
03. Judging from the burden of family members, the subjects have no burden of family members. With a daughter, in addition to the usual education expenses and maintenance fees, the future dowry expenses will not cost much. I think it will cost less than my son.
If a son marries a daughter-in-law, she will demand a lot, such as a house, a car and a bride price. If a condition is not met, he will quit. So the son is "China Construction Bank" and the daughter is "China Merchants Bank".
There is also the topic of parents' own pension, which shows that there is a pension, and parents basically don't have to consider it, or think less.
04. From the perspective of employment age, from the perspective of enterprise employment age, 45 years old is relatively old in enterprises, but institutions may not care. In private enterprises, they may face the risk of being laid off because they are past the age of gold export.
What enterprises require is "youthfulness". After working for decades, let's have a rest. Now that there are fewer job opportunities, we can make room for young people and give them opportunities.
At the age of 45, she has a deposit of 5 million yuan, a solid economic foundation, and has fully realized financial freedom. You can take this opportunity to retire, jump around while you still have kinetic energy, and it will be too late to regret when you really want to travel.
Conclusion According to the situation of the subject, with the living standard of our general working class, 5 million people can live completely, can deposit in the bank to enjoy high interest, or make other financial planning, and the subject also has a pension, so that they can have food and clothing for the rest of their lives.
Plan your money well, don't squander it, you can retire at the age of 45! Enjoy your life!
(End)
The bank has a deposit of 5 million yuan, a house, a car and no loans. Parents provide for the elderly themselves and only have one daughter. Now 45 years old, this condition can be met, and you can rely on interest to support the elderly.
How much interest does 5 million have every year?
Since you want to retire early, this 5 million must be used to protect your capital, investment and financial management, or just rely on interest to make a living.
If 5 million people choose to buy government bonds, they can buy savings bonds with a three-year or five-year term, with an annual interest rate of around 4%, and 5 million people have an annual interest of 200,000 yuan.
If you want higher interest rates, you can choose rural commercial banks or private banks to deposit five-year certificates of deposit or smart deposits. According to the annual interest rate of 5%, you will get an interest income of 250,000 yuan every year.
I have an interest income of 200,000 ~ 250,000 yuan every month. Can I support the elderly?
According to everyone's current wage income, people in first-tier cities who earn more than 654.38+ 10,000 a year rely on their brains to eat. The annual income of most ordinary people is less than 6,543,800 yuan, and these people still live well in first-tier cities.
Wages in fourth-tier cities are even lower, ranging from 2,000 yuan to 4,000 yuan per month, and the total annual income is less than 50,000 yuan. People in these fourth-tier cities also live.
The most authentic data, the Prime Minister reported that there are 600 million people in China with a monthly income of 654.38+10,000 yuan. According to this calculation, the annual income is 654.38+200,000 yuan, and these low-income people still live an ordinary life.
Compared with everyone's annual income, the annual interest income is 200,000 ~ 250,000 yuan, and the average monthly interest income is 6.5438+0.67 million yuan ~ 20,800 yuan. This income is very high. With this fee, everyone can live a happy life, eat, drink and be carefree.
Therefore, compared with everyone's income, the interest income of 5 million yuan a year can provide more than 200 thousand yuan for the elderly, which is more than enough for the elderly.
Consider inflation.
Of course, money changes every year. In the past ten years, the currency has depreciated too fast and the price has risen too fast, which directly leads to the lower and lower value of the currency.
The current age is 45 years old, and there are still 15 years before the real retirement age of 60. Therefore, considering the inflation rate, after 15, it will depreciate by 200,000 to 250,000 yuan, and after 15, it will depreciate by 60%, and there will still be 80,000 to/kloc-0,000 yuan every year.
Considering the future inflation factor, 200,000 is equivalent to 80,000, which can be understood as the current annual income of 80,000, with an average monthly income of more than 6,600. Now I earn more than 6600 yuan a month, which is also very good, so the future after 15 will be quite good.
Why is 5 million enough for 45-year-old pension?
5 million deposits are guaranteed for financial management, with an annual interest rate of 4%, earning more than 200,000 yuan a year, and these 200,000 only support a family of three, which is enough to support the elderly.
The annual interest income is 200,000 ~ 250,000. There is already a house and a car, and there is no debt. The most important thing is that parents are self-reliant and the expenses are not that big.
The 45-year-old daughter is considered to be 20 years old, so she can talk about marriage. Children don't have to worry, parents don't have to worry about old-age care, and there is no debt. The interest income of more than 200,000 yuan per month can definitely support the elderly.
Summarize and analyze
Although you have to pay interest on 5 million deposits now, you can have pension money by paying interest. 65438+6400 ~ 20800 yuan per month, great conditions, definitely able to support the elderly.
But then again, the pursuit of old-age life is different, and the cost is different, and we must support the elderly safely. It is suggested that you can find a job to earn living expenses when you are 45 years old, which is very beneficial for the future 5 million people to support the elderly. Most people in China have a pension condition for every few citizens. This old-age life makes 99.9% people envy and hate, and they dream of achieving this old-age life on their own.
Yes, if you want. I won't. After I really retired, I had nothing to do and was bored. After retirement, the rules were disrupted, which was not good for my physical and mental health. It is ok to have something to do after retirement.