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新加坡 | 70后需要拥有多少存款，才能放心的退休？

积蓄到多少，才算及格？
虽然绝大多数70后也缴纳了社保，退休后可以领取养老金，但这些钱并不多，基本上只能维持我们的日常开销。如果在生活中遇到突发情况，或者有其他购物需求，光靠养老金会有些拮据。

做个推算：
假设我们是在60岁的时候退休的，平均寿命按照85岁来计算，那么中间总共为25年的时间。如果每个月的生活开销是3000元，那么在25年的时间，需要有90万。
当然，我们也知道，老年群体的消费水平相对较低，如果节约一点的话，每个月大概花费2000元就够了，照此计算，25年的时间内也需要60万。

但是遇到生病怎么办？
可问题就在于，老年人的身体状况无法与年轻人相比，抵抗力较弱，经常会出现生病的情况，这就要多花一笔医药费了，因此60万元的资金可能会不够。而且事实上，60万元的存款不是一个小数目，许多工薪阶层在努力工作十几年也未必能拥有60万的存款。

通货膨胀怎么办？
而且更重要的是，未来这60万元的资金可能也会出现贬值的情况，就像现在美国的通货膨胀情况就非常明显，国内民众也叫苦不迭。所谓通货膨胀，通俗来讲就是钱越来越不值钱了，这一情况对于通过存储来应对晚年生活的老年人来说，可不是个好消息。
假设后期没有通货膨胀，60万元的资金勉强可以维持老年人的养老，只要生活没有太大的变化，这60万元也就足够了。可是只要出现通货膨胀，60万元的资金肯定是不够生活的，到那时就只能依靠子女的接济了。

所以咱们一定要在年轻的时候好好搞钱，打造被动收入，让自己有花不完的钱。
才能更好对应未来不确定性。

如果你对新加坡理财感兴趣的话，请pm我哦。

 

 

#新加坡公积金 #新加坡CPF #新加坡永久居民 #新加坡公民

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策