<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=2&sn=55e0cf403a3327c58f7dfcc77ea888c8&chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTMtex3eSFEn8bxfXnK6B2aSyFpicpr39Us8ciaTjP3fXO8arX1fNHPPfA1tl15E6AeW0RyyhWpWGGkQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTMtex3eSFEn8bxfXnK6B2aSyFpicpr39Us8ciaTjP3fXO8arX1fNHPPfA1tl15E6AeW0RyyhWpWGGkQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span><span style="text-align: justify"></span></section><section ><br /></section><section ><span >学海无涯，一期一会。</span></section><section ><span ><br /></span></section><section ><span >今天聊聊养老为什么要尽早准备的问题。<span ></span></span></section><section ><span ><br /></span></section><section><mpvideosnap></mpvideosnap></section><section style="color: rgb(34, 34, 34); text-align: center"><span style="color: rgb(136, 136, 136)">不方便看视频的朋友可以看文字版</span><span style="color: rgb(136, 136, 136)">👇</span><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><span >--文字版--</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">很多人都是觉得，</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><strong><br /></strong></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><strong>我们有社保，那养老应该不成问题吧？</strong></span><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">都是已经交了多年社保，也能看到父母亲现在每年领取养老金还挺滋润的，</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">但是其实可能大家不清楚，我们社保养老非常重要的一个机制叫做：<strong>现收现付</strong>。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">意思就是说我们现在，在往里面供钱，然后已经退休的老年人同时就开始往外面取钱了。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">就像一个同时进水和出水的一个蓄水池这样子，我们现在交进去的钱不意味着就是我们未来可以取出来的钱，</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><strong><br /></strong></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><strong>我们到时候能取多少钱，取决于那个时候有多少年轻人在交社保。</strong></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">现在基本上是每三个年轻人在供一个老年人；</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">但是到了2050年，就是我们退休的时候，那个时候基本上就只有1.2~1.3个年轻人去供养一个老人了。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">可想而知对于养老金的压力有多大，不管怎么设想都是不够的。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">所以养老这个问题真的是要趁早准备，是必须要面对的一个挑战。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">保姑建议大家，要用你的利器，叫做<strong>强制储蓄</strong>。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">强制储蓄一定是能够帮助我们去应对老年生活的很重要的工具。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><strong><span style="color: rgb(51, 51, 51); text-align: justify">具体内容是什么呢？</span></strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">保姑总结一下：</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">不要觉得养老对自</span><span style="color: rgb(51, 51, 51); text-align: justify">己来说是一件很远的事情，其实这是一件我们必须要趁早准备并且必然要面对的挑战。</span><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">就像我们想滚一个足够大的雪球，</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">要么我们需要一开始就有一个大的雪球（即本金），要么就是我们找到一个足够长的坡（即时间）。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">对于年轻时还不够拿出足够</span><span style="color: rgb(51, 51, 51); text-align: justify">本金的年轻人来说，借助<strong>时间的力量</strong>就是必须的。</span></section><section style="text-align: left"><br /></section><section style="text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">那我在做的，也是特别建议你需要做的最重要的一件事就是强制储蓄!</span></section><section style="text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><strong><span style="color: rgb(51, 51, 51); text-align: justify">什么是强制储蓄呢?</span></strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103); text-align: justify">第一，我们轻易取不出来，别人也无法轻易借走。</span></strong></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">很多人存钱总是很在意这笔资金的流动性，其实这个思路并不正确。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">流动性越好的资产越接近现金的收益，很多时候难以对抗通胀。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">并且如果太容易取出，我们必然很难保证这笔钱能够一直留到我们养老的时候使用，</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">毕竟人生中“欲望”总是太多，我们需要一些短期内设定为无法支取的产品，帮助我们一直坚持把钱留到最后。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">当然，这个前提是我们已经做好了短期流动资金的计划，比如已经在银行存了一些流动资金。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103); text-align: justify">第二，坚持定期存入，跨越经济周期。</span></strong></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">我们需要结合自己未来养老金额的预算去反推存入的金额。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">我们不用追求一次性存入太大一笔钱，而是可以长时间定期存入。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">这样能保障我们的储蓄跨越不同的经济周期，去对抗一定的风险。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103); text-align: justify">第三，目标明确，追求稳健。</span></strong></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">在大环境利率下行的今天，我们认为规划养老最好的方式不是做多少收益很高的投资，</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">而是<strong>配置一份保本稳健的资产</strong>，保障老年生活的基本品质。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">目前在市面上好的增额寿险和养老年金险可以达到3.5%的年复利，长期来看就是很不错的养老资产配置。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">当然对于很多常年拼杀在基金和股票市场的人来说，这个收益看起来不高。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">但是记住，<strong>我们必须要做到的是专款专用</strong>。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">养老这种必然会发生的，不能承受很大亏损风险的资金一定是要安全，要稳健。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">人生有很多不确定性，提前规划会给我们带来更多“确定的幸福”。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">我相信好的养老生活不是“偶遇”的，而是“规划”出来的。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">我是保姑，我一直在研究安全高收益的理财和养老产品，需要的时候可以来找我，保姑应该能给你一些建议。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: center"><span ><strong ><span ><span >【<span >理财+养老+保险</span>】</span> 1对1咨询绿色通道</span></strong></span></p><p style="color: rgb(34, 34, 34); text-align: center"><span >直接识别下方二维码</span></p><p style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXun3PB3sBCsPbXSqOflbzkJPTr4GlZqmmP611AJicrwvyXeRc5ApZLibWUMoB6QmbrcYm6HtrQzbfia6A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXun3PB3sBCsPbXSqOflbzkJPTr4GlZqmmP611AJicrwvyXeRc5ApZLibWUMoB6QmbrcYm6HtrQzbfia6A/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><p style="color: rgb(34, 34, 34); text-align: center"><span >添加保姑团队专业咨询老师</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span ></span></p><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section ></mp-common-profile></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span > <span style="color: rgb(136, 136, 136)">点击阅读原文，</span></span><span style="color: rgb(136, 136, 136)">查看</span><span style="color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</span></section><section style="text-align: left"><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点个<span style="color: rgb(33, 89, 103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section><p ></mp-style-type></p>
