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In life, there are many unknown changes that are not what we can expect. The planned deposit has disrupted the overall plan due to special reasons. Sometimes, if the method is appropriate, the loss of savings at home will be less. If the method is improper, the vitality will be greatly damaged and the loss of deposit income will be very serious.
How can the elderly do a good job in financial "emergency plan"?
We know the source of funds for the elderly. First, it is mainly from the unit and the society to pay pension and retirement wages. For example, both husband and wife have formal jobs when they are young, and can receive pension together when they are old; Second, the younger generation of the children in the family will show filial piety to the elderly, and they will also give different gifts to the elderly to express their filial piety at the time of the year. Third, some elderly people earn some stable income by depositing fixed deposits and short-term financial management.
The biggest feature of the funding source of the elderly is that the regularity of each month is strong, and the monthly expenditure is basically fixed. The difference between more and less spending per month is no more than 300 or 400 yuan. Generally, there are three retirement age groups: 50, 55 and 60. At this time, most of the elderly are healthy and can accumulate savings every month. But this age group is also a period of high incidence of major diseases. Today, the body is still safe and sound. Tomorrow, a serious illness may break out and enter the hospital. Hospitalization fees need to be paid immediately. Where can I get the tens of thousands of yuan urgently needed at this time? In order to cure the sick and save the people, everyone has such a normal thinking when it comes to this matter. Withdraw national debt and time deposits in advance. Short term financial products are binding, and only the funds that are due can be freely used in the account.
If we say that the elderly need to make emergency withdrawal in advance, we need to balance the national debt and time deposit, and compare and analyze which is more appropriate?
For example, the elderly have 100000 yuan of five-year national debt, which has been deposited for three years; There is also a fixed deposit certificate of 100000 yuan for three years, which has been deposited for two years now. 100000 yuan is needed for hospitalization. Which is more appropriate? We know that one thousandth of the service charge is required for early withdrawal of government bonds, and 100 yuan of service charge is required for early withdrawal of 100000 yuan of government bonds. The government bonds were purchased from October 2010 to April 2014, and the deposit period is three years and six months. The bank will calculate the interest at 3.69% according to the corresponding grade of five-year government bonds for three years and less than four years. Three and a half years are 42 months in total, 100000 × 3.69% ÷ December × 42 months=129.15 million yuan, deducting 100 yuan of service charges, and 112815 yuan of principal and interest can be earned by withdrawing government bonds in advance. Let's look at the deposit certificate of 100000 yuan. For the regular three-year advance withdrawal, the interest accrual time is two years based on 0.35% of the current period. 100000 × 0.35% ÷ December × 24 months=100000 × 0.007=700 yuan can obtain 100700 yuan of principal and interest. We confirmed that the two-year current return of 100000 yuan will be less than the interest return of 100000 yuan of treasury bonds deposited for three and a half years in five years.
For example, in another case, the old people have just deposited 100000 yuan of five-year Chinese bonds for less than half a year, which is five months old. Similarly, the three-year fixed deposit certificate with 100000 yuan is also five months old, which is different in income. If the national debt is withdrawn in advance for less than half a year, no interest shall be calculated and service charges shall be paid; The return of RMB 145.83 can be obtained from the fixed deposit certificate of 100000 yuan calculated according to the five month demand interest rate. In this case, the emergency plan of withdrawing the fixed deposit certificate in advance is chosen instead of withdrawing the national debt in advance as shown in the above example.
Through two examples, it shows that the elderly need to be prepared in two ways as an emergency plan for family financial management. One part of the funds choose to deposit in the voucher type national debt, and the other part of the funds choose to deposit in the fixed deposit certificate, so as to facilitate emergency withdrawal. If the deposit period of the national debt does not exceed half a year, please do not withdraw it in advance. It is recommended to consider emergency use after the deposit period exceeds more than one year. It is suggested that the term of time deposit certificate should not exceed two years, because the national debt is already a medium - and long-term planned deposit, so the time deposit certificate should not be deposited in the medium - and long-term. A year or two will soon expire. It is suggested that the time deposit fund should be divided into two parts, one part is transferred to one year, and the other part is transferred from two years to two years.
According to the biggest feature of the elderly's deposits, it is suggested to deposit a certificate of deposit every month. No matter how much money is, the balance of life funds should be deposited in a certificate of deposit for a year when they receive their pension every month. In this way, they can receive their salary on the 20th of each month and deposit a certificate of deposit. Twelve certificates of deposit can be stored in the 12 months of the year, Next year, when receiving pension on the 20th of each month, we will continue to deposit a fixed one-year certificate of deposit together with the funds of the due certificate of deposit. This is a cycle. Over the past few years, the funds of the monthly certificate of deposit will increase. Once the emergency money in the family is used for hospitalization, it is better to withdraw the certificates of deposit for the first two or three months and the certificates of deposit due this month in advance. If the funds are sufficient, we will not withdraw them in advance.
In a word, the elderly's financial funds need to be principal guaranteed and safe liquidity in the first place, followed by interest income. It is better not to touch non principal guaranteed financial products. Financial products have many constraints, and the income is higher than time deposits. Idle and sufficient funds can be considered to be capital guaranteed, In order to solve the problem of emergency time deposits and national creditors, a total of 100000 to 200000 yuan should be kept in reserve for emergency use, and then capital can be used to invest in capital guaranteed financial products. Non capital guaranteed low-risk products can be considered, and should not be invested more. I wish that the elderly can gradually accumulate funds and obtain stable income to provide for the elderly.
(Special author of ICBC website: Wang Lisa)
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