[問題] 父母退休後的儲蓄
爸媽現年皆60歲。
年輕時省吃儉用加上退休金,目前存款約800W,名下一間價值約500萬的房子。
我不知道這樣子的存款對他們之後的生活是否足夠
包括日常生活開銷、甚至是以後可能會需要的醫療。
能否幫我推算一下呢?
(心中OS: 應該是夠吧?! 我真是不懂為什麼他們要這麼省
要是我,就會對自己好一點 看著存褶上的數字一直在增加就會比較快樂嗎?! @@")
此外,這800W的部份,目前是拆成
1) 兩張100萬 7年躉繳的保險
2) 1張年繳30萬左右的6年型儲蓄險
3) 定存、活存
請問在定存及活存的部份應該要如何分配呢?
對於儲蓄險的部份是否恰當?
爸媽都是很保守的人~所以我也不敢幫他們買股票、基金之類的
然後,因為這是爸媽辛苦賺來的錢,我擔心會有親戚來輕鬆借走..
有什麼比較把錢綁住的方法呢? 若真有親戚來借的話 比較有理由拒絕
EX: 錢要繳保險,所以沒有多的錢可以借了...
謝謝~
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◆ From: 180.218.68.233
※ 編輯: oopoop 來自: 180.218.68.233 (09/13 23:44)
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