For people who work normally, is it difficult to save 10,000 yuan a month?
Through continuous saving, at the end of the eighth year, you will have nearly one million yuan, commonly known as a "pot of gold"!
But this is just simply saving money, with almost no growth in benefits. If inflation is taken into account, the more money you save, the less money you will have.
Suppose there is a product that is planned starting from the age of 30. It is a prudent way of asset allocation. As long as you save for 12 consecutive years, you will receive annual returns according to the mechanism starting from the first year.
Deposit money at the beginning of each year and receive a rebate at the end of the year.
In the first year, you may get 10,000 yuan in return, and then it will increase year by year, up to a maximum of about 55,000 yuan per year.
And the key point is that as long as you don’t use the principal, this annual "long-term cash flow" can continue to provide you with a lifetime, until the end of your life. What do you think of such a plan?
During these 12 years, you invested a total of about 1.5 million, and the annual returns added up to about 330,000, not including the stable cash flow if you continue to hold in the future.
Roughly speaking, during that 12-year period, although you set aside 10,000 yuan per month for fund allocation, in fact, about 2,300 yuan per month was returned to you in the form of annual rebates.
That is to say, your actual expenditure is equivalent to a discount of about 27%, which means that you actually only save 7,700 yuan each month.
At the end of the 12th year, the accounts still showed assets of nearly 1.5 million.
If the total return is extended to 20 years, it can accumulate to about 750,000; if it is extended to 30 years, it may reach about 1.3 million.
And all these years your original capital has been "quietly" lying there.
Assuming that you decide to retire at the age of 65 and don't want to work anymore, the returns from this steady inflow will have already exceeded your original investment.
And when you finally choose to end this funding arrangement, the funds you originally invested will be returned to you.
If you continue to hold on to the principal without using it and live until you are 85 years old, the total amount of rebates you receive may exceed 2.7 million yuan.
These unexpected changes actually come from a simple decision you made that year: "Save 10,000 yuan steadily every month for 12 years without interruption."
The amounts and terms mentioned above are based on the trial calculations of certain current products, and are mainly intended to help everyone understand the logic of this funding arrangement more intuitively.
The actual numbers will be adjusted based on different products, feedback announcements, and your personal conditions, so not everyone will be exactly the same every year!
If you are interested in such an arrangement, we can find a time to talk and see if it is suitable for your current goals and budget, and then help you make a calculation based on your situation so that you can have a clearer idea of whether such a plan is suitable for you!
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