The young people this year are really smart, but the elderly does not depend on pension, but the golden beans

How can I spend a happy old age? This is a question that many young people are thinking.

There are many answers we can get. The first: find a reliable company and pay social security in full. After retirement, we can receive an enviable pension;

The second type: Moutai, save a bottle of genuine Moutai a month. When you are old, take out another bottle of Moutai to sell each month, enough to spend a richer old age;

The third: deposit gold beans, save one a month, and can save hundreds of grams after retirement.

In addition, there are many methods and strategies for pension, so I do not repeat too much for the time being. We mainly discuss the feasibility of the above three methods!

The first way is actually the most ideal way for everyone. Suppose that a person's salary is 30,000 yuan, and the upper limit of the social security payment of the company's location exceeds 30,000 yuan. According to the company paid 16%, the proportion of individuals pays 8%, then the pension insurance you pay every month will reach 7,200 yuan After you retire, the probability of pension is more than 10,000 yuan/month. Although it may not be a lot of time at that time, it is enough for ordinary people to settle in their old age.

However, the problem is that most people's salary does not earn 30,000 yuan at all, and 5,000 yuan is a relatively common salary level. Of course, if the company pays you in accordance with this salary level, it is good. Many companies are paid according to the local social security payments. Suppose your local lower limit is 4,000 yuan. Based on a ratio of 24%, the annual endowment insurance paid for only 960 yuan. It's almost 8 times bad. Even if you retire, your pension is not enough to let you enjoy your old age.

The second method is the suggestion of some financial experts. They compare the price of Maotai 30 years ago with the current price, so that you believe that Moutai is worth saving money in a bank.

The statement of financial experts, if you listen for the first time, may feel very reasonable. Just buy a bottle of Moutai wine every month. After 30 years, take out a bottle of selling and sell it every month. There is no problem with tens of thousands of yuan. This kind of pension method feels more stimulating than full -time pension insurance.

However, there is a fatal defect in this approach. His assumption is that the price of Moutai has been rising, and it has risen at this speed in the past decades. And can the price of Moutai really grow crazy?

The price trend of Moutai can be compared with the price of the house. Twenty years ago, no one would believe that the price of the house would fall. But let's ask everyone now? Many people may start to believe that the decline in house prices is inevitable.

In addition, there is huge uncertainty in business operations. Moutai is now the first place in the white wine field, which does not mean that it will always be the first place. In case, what should Moutai go downhill after 30 years? The price may fall thousands of feet.

There is another question. We need to think about whether there will be a financial crisis in 30 years? Suppose we are really unlucky and encounter an economic crisis when we retire. Do you feel that the Moutai wine was sold at that time?

Therefore, the saying of a bottle of Moutai every month sounds attractive. In fact, it is extremely uncertain. If there are not many funds, it is not recommended to try it.

The third is one thing that many young people are doing quietly. A monthly gold beans with a weight of 1g are saved each month, but it is only more than 300 yuan. This is the price that many people can afford. What's more important is that gold is valuable at any time.

Suppose you bought a diamond ring of 10,000 yuan 10 years ago. Now it may only be worth 20,000 yuan. Suppose you bought a 999 gold bracelet of 10,000 yuan 10 years ago, which may now be worth 15,000 yuan. This is the charm of gold. Although it has been lying in your safe, it will quietly give you money for you.

Why does the price of gold rose quietly? The fundamental reason is that for hundreds of years, various countries around the world have recognized the value of gold. Under this consensus, gold is equivalent to a certain purchasing power.

Suppose that 1G gold can be purchased for 10 pounds of pork in the world, as long as no special incidents occur, this exchange rate has always been used. Because the central banks around the world have been continuously printed, this also causes inflation. Twenty years ago, the price of 10 pounds of pork may be only 20 yuan. After 20 years, the price of 10 pounds of pork became 300 yuan.

This means that the 1G gold value 20 years ago was worth 20 yuan, and it became 300 yuan after 20 years. This is the real value of gold. Even if gold is lying in a safe, it will resist a certain risk of inflation.

For another example, suppose we buy a certain golden beans based on our economic strength every month. When we retire, we suddenly encounter a global economic crisis or geopolitical crisis. At this time, is the golden beans still valuable?

It is not only valuable, but also very valuable. Because these incidents will promote the rise of gold prices, which will help you sell gold to a good price.

However, it is necessary to note that when buying golden beans, you must go to a regular gold shop to buy, and you must also have certain identification skills. Do not buy gold at a price far below the market price, because it may be fake gold, even if it is real gold, it is not enough in terms of purity.

Buying golden beans is a good way of financial management, but do not get fast in and out, because we have a certain handling fee when we buy and sell the gold price.Will you consider buying golden beans to retire?

This is the best era and the worst era. With capital thinking and innovation models, the world is your stage!

In the new business world, there are no eliminated industries. Only the eliminated products and outdated business models will focus on product innovation and model innovation in the future.

If a company or a boss, if the shortage of innovation ability is destined to be defeated in advance, please remember that there is no innovation, how can you have imagination!

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