In recent years, the "advanced deployment" dictator has been popular in the market. When talking about retirement financial management regulations, Wang Haoyu, general manager of Kifton, said that retirement preparation is the same, and it is even necessary to "copy money". The so-called "advanced" refers to "having ideas and planning"; while "copying money" means "paying action", which achieves the goal of a perfect life through investment and financial management.
Wang Haoyu said that many people work hard and work hard to help them get rid of their children to grow up. When they are old and are about to be unable to work, they think of "retirement". At this time, it is probably too late. Because with the improvement of modern society and medical standards, people generally face three problems: "retreat too early, live too long, and spend too fast".
{}According to the Ministry of Health, the average retirement age of the Chinese is about 63 years old, which is earlier than the legal retirement age of 65 years old. Moreover, compared with advanced countries, the retirement age of the British are 64 years old, the United States is 67 years old, South Korea is 72 years old, and Japan is 70 years old. The retirement age of Taiwanese workers is indeed earlier.
Retirement early and enjoy life is certainly a good thing, but as the lives of the people grow year by year, the average age is now 81.3 years old, which means that there are still about 20 years after retirement. If you don’t have income, you just spend money every day and don’t go in. If you accidentally live too long, you will spend all your money.
So Wang Haoyu believes that when retiring for planning and financial, you need to have ideas and plans. First, you should think about what kind of retirement life you will live in the future, how much it will cost, and then pay for it. In the process, you should master the principles of "three no's".
No, first, don't start preparing when you are old. In terms of time, 10 years is not too late or 20 years is not too early. The earlier you prepare, the more you can make good use of the profit effect of time and retirement accounts. The second is notnot just saving money. Now the interest rate is relatively low. According to the 72 rule, the 1% interest rate is calculated at 72 years. Therefore, relying on savings, the growth rate of assets is too slow, and it will be invaded by the surge in inflation, reducing the purchasing power. We must bear the risk appropriately and invest in risky assets such as stocks and bonds.
The third one cannot be killed, and it is a taboo of chasing high and killing low. Although the market has been changing dramatically, such as the COVID-19 pandemic and the Russian-U war, financial assets have been prompted to be revised quickly, as long as it is a right investment strategy, it can spread the entry time and standards through regular fixed amounts and asset allocation, reduce volatility risks, and gradually increase pensions.