99% of ordinary people can't save enough 1 million by working! 2 truths about making money!
1. It is better to earn than to be able to save. Most of the wealth is not saved, instead of picking and saving one or two dollars, it is better to learn how to make money.
2. Earning a lot is more important than making a big profit. Buying stocks, buying gold, and good luck can indeed make you a lot of money, but the truth is that 90% of people don't make any money. What is really suitable for workers is to find good products with high returns and long-term value-added to help them "make money" for a long time.
I basically don't touch stocks, and I will go directly to Alipay to buy some savings products such as increased life expectancy with spare money, which can directly lock in the predetermined interest rate for the next few decades, which is equivalent to saving myself a long-term "meal ticket" that will not rise or fall. For example, I got on the bus last year when there was a scheduled interest rate of 3.5%. Later, the scheduled interest rate was lowered to 3.0%, and I think it's still worth getting on.
Why? The decline in the predetermined interest rate of insurance is the general trend, and I saw the news two days ago that the #部分险企将于6月底停售3.0% increase in life# was changed to a product relay of 2.75% predetermined interest rate. This small adjustment of 0.25% in the middle, after calculating the compound interest spread for decades, may directly earn tens of thousands of dollars less.
Here is a calculation, take the 2.0 version of the whole life I bought as an example, if you spend 3,000 per month to buy an stable profit from the age of 30, save 360,000 yuan in principal for 10 years, and calculate it at a predetermined interest rate of 3.0%, when you retire at the age of 60 or so, the cash income has more than doubled by 730,000, which is enough to support most people's pension life.
In the long run, it is recommended that friends who have cash flow in hand or want to force a sum of money to save can go to Alipay to search for "increased life", find an stable profit and increase the whole life 2.0 version of the study, this is a better product I have seen, it will be 3.0% of the predetermined interest rate written into the contract, directly lock in the next few decades of income, not affected by market changes, to ensure long-term income in the future.
Moreover, it can also be flexibly withdrawn, and it can be withdrawn at any time if there is an emergency on the way. In addition, it is very friendly to migrant workers in that it supports monthly investment, and you can buy it from 100 yuan a month, and it is better to put spare money in it than to spend it indiscriminately.
Life needs to be planned, wealth needs to be taken care of, ordinary people don't have to work hard to save wages, and they can save enough 1 million painlessly by finding the right way, do you say this is the truth. #储蓄型保险# #增额终身寿# #投资# #利率#
