Re: [問題] 父母退休後的儲蓄
※ 引述《oopoop (惑)》之銘言:
: 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~
把這800萬 拆成2份400萬 各買中鋼和中華電
這2支股票算是定存股 殖利率蠻穩定的 約6趴甚至更高
千萬不要去買儲蓄險 投資型或還本型保單
保險歸保險 理財歸理財
保險公司也是拿你的錢去買這些定存股 之前新聞有報 何必讓他們賺一手
頂多就是買重疾險 意外險之類的 保費低保障卻高
可以買些保險書來看 聰明買保險 平民保險王 還不錯 怕一家之言 可以多買其他人著作
--
--
※ 發信站: 批踢踢實業坊(ptt.cc)
◆ From: 42.73.107.115
推
09/15 03:05, , 1F
09/15 03:05, 1F
→
09/15 03:05, , 2F
09/15 03:05, 2F
→
09/15 03:05, , 3F
09/15 03:05, 3F
→
09/15 07:44, , 4F
09/15 07:44, 4F
推
09/15 12:38, , 5F
09/15 12:38, 5F
推
09/15 13:59, , 6F
09/15 13:59, 6F
推
09/15 20:32, , 7F
09/15 20:32, 7F
→
09/15 20:33, , 8F
09/15 20:33, 8F
→
09/15 20:33, , 9F
09/15 20:33, 9F
→
09/15 20:34, , 10F
09/15 20:34, 10F
推
09/16 02:53, , 11F
09/16 02:53, 11F
→
09/16 02:54, , 12F
09/16 02:54, 12F
推
09/16 02:59, , 13F
09/16 02:59, 13F
→
09/16 02:59, , 14F
09/16 02:59, 14F
推
09/16 12:30, , 15F
09/16 12:30, 15F
→
09/16 12:30, , 16F
09/16 12:30, 16F
→
09/16 12:31, , 17F
09/16 12:31, 17F
→
09/16 13:35, , 18F
09/16 13:35, 18F
→
09/16 13:36, , 19F
09/16 13:36, 19F
→
09/16 13:36, , 20F
09/16 13:36, 20F
→
09/16 13:37, , 21F
09/16 13:37, 21F
→
09/16 13:38, , 22F
09/16 13:38, 22F
→
09/16 13:39, , 23F
09/16 13:39, 23F
→
09/16 13:39, , 24F
09/16 13:39, 24F
→
09/16 13:40, , 25F
09/16 13:40, 25F
→
09/16 13:40, , 26F
09/16 13:40, 26F
→
09/16 13:42, , 27F
09/16 13:42, 27F
→
09/16 13:43, , 28F
09/16 13:43, 28F
→
09/16 13:45, , 29F
09/16 13:45, 29F
→
09/16 13:46, , 30F
09/16 13:46, 30F
→
09/16 13:47, , 31F
09/16 13:47, 31F
→
09/16 13:47, , 32F
09/16 13:47, 32F
→
09/16 13:48, , 33F
09/16 13:48, 33F
推
09/16 13:59, , 34F
09/16 13:59, 34F
→
09/16 14:00, , 35F
09/16 14:00, 35F
→
09/16 14:01, , 36F
09/16 14:01, 36F
→
09/16 23:29, , 37F
09/16 23:29, 37F
→
09/16 23:30, , 38F
09/16 23:30, 38F
→
09/16 23:30, , 39F
09/16 23:30, 39F
→
09/16 23:31, , 40F
09/16 23:31, 40F
→
09/16 23:31, , 41F
09/16 23:31, 41F
→
09/16 23:32, , 42F
09/16 23:32, 42F
→
09/16 23:32, , 43F
09/16 23:32, 43F
→
09/16 23:33, , 44F
09/16 23:33, 44F
→
09/16 23:34, , 45F
09/16 23:34, 45F
→
09/17 00:00, , 46F
09/17 00:00, 46F
→
09/17 00:00, , 47F
09/17 00:00, 47F
→
09/17 00:01, , 48F
09/17 00:01, 48F
→
09/17 00:01, , 49F
09/17 00:01, 49F
→
09/17 00:02, , 50F
09/17 00:02, 50F
→
09/17 00:03, , 51F
09/17 00:03, 51F
→
09/17 00:03, , 52F
09/17 00:03, 52F
→
09/17 00:04, , 53F
09/17 00:04, 53F
→
09/17 00:04, , 54F
09/17 00:04, 54F
→
09/17 00:04, , 55F
09/17 00:04, 55F
推
09/17 01:50, , 56F
09/17 01:50, 56F
→
09/17 01:51, , 57F
09/17 01:51, 57F
→
09/17 10:28, , 58F
09/17 10:28, 58F
→
09/17 19:30, , 59F
09/17 19:30, 59F
→
09/17 19:31, , 60F
09/17 19:31, 60F
→
09/17 19:32, , 61F
09/17 19:32, 61F
→
09/17 19:32, , 62F
09/17 19:32, 62F
討論串 (同標題文章)