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Aged bankruptcy is a state in which the income decreases after a fixed year, and the cost of living and medical care is lost.
It’s not just a few savings. It is a problem that フレ income, living expenses, medical expenses, nursing care expenses, inflation, housing expenses, etc. are overlapping.
In this article, we will explain why elder bankruptcy occurs, why alone is severe, and concrete measures that can be done from now on for beginners.
What is aging bankruptcy?
Aged bankruptcy is a state in which there is a shortage of living expenses after re ement and the asset is cut off.
In particular, the problem is that "increase income" and "increase end res" occur simultaneously.
Changes that can occur after the old
| 項目 | Current Period | old |
|---|---|---|
| Revenue | Salary | 年金が中心 |
| Medical | Less | Easy to understand |
| Working Power | Easy to continue | Easy to drop |
| Tag | Easy to stack | Breakdown center |
In other words, it is important to "not reduce" than "making".
Three main causes of aging bankruptcy
1. Easy to spend with alone
Japan’s official 。 is the foundation of life.
In particular, if the next enditure is heavy, it will be easier to shortage only with the.
- Rent
- Medical
- Nursing Care
- Thermal Cost
- Insurance
- Car Maintenance Cost
A common misconception is to think that it is safe because there is a.
This is half right and half dangerous.
The is an important foundation for aging life, but it is not a system that guarantees to a clear life.
2. Longevity to lose money
Living for a long time is a pleasure, but it also includes the necessary living expenses.
For example, if you retire at age 65 and live up to age 90, you need to spend more than 25 years.
This is an important part of the operation period.
Long-term investment helps time to form assets.
A = P × (1 + r)^nThis is the basic formula of compound interest.
仕組み Interest is a mechanism that makes profits.
For example, if you operate the original 1 million yen for 20 years with20 annual interest, the compound interest becomes larger and easier to understand.
However, there is a risk of principal cracking in investment.
3. More than expected spending
After the elderly, unexpected expenses increase.
The following examples are:
- Medical
- Nursing Care
- Housing repair
- Child Support
- Inflation
Inflation is often overlooked.
Inflation is that the price rises and the value of money decreases.
For example, there is a possibility that items that can be bought for 100 yen will be 120 yen in the future.
In other words, if you have post-age funds only with cash, there is a risk of losing your purchasing power.
How to prevent aging bankruptcy
Graduation from "Save only"
Of course, life defense funds are required.
Cash in case of sudden illness, un, home appliance failure, etc. must be brought separately from investment.
However, if you have all post-age funds in cash only, there is a weak aspect of inflation.
This is a decentralized investment.
What is decentralized investment?
Decentralized investment is a way to divide assets into multiple.
For example, combine the following assets:
- Shares
- Bonds
- Investment Trust
- Cash
The merit of decentralized investment is that it is easy to reduce the overall impact even if some assets fall.
On the other hand, it isメリット that it is difficult to understand largely in a short time and requires regular confirmation.
In the development of post-aging funds, we will prioritize "co e longer" rather than "increase in one train".
Beginners tend to fail
Invest at once
Some people suddenly go to high-risk investments from anxiety after aging.
However, there are three important things for post-age funds:
- Long term
- 積立
- 分散
The idea to double the assets in a short period of time increases the risk of aging.
In particular, it is necessary to carefully consider the re ement andまumulation to high-risk products at once.
First of all, it is basic to check the monthly end res, forecasts, and life defense funds, and to think about the cumulative amount in the scope of the margin.
Behavior that we can do today
It is not difficult to be able to do from today to prevent aging bankruptcy.
| Action | Purpose |
|---|---|
| Check monthly spending | Estimate living expenses necessary for the elderly |
| Check the amount | Know the foundation of income after the old age |
| Fixed cost | Lighten rent, insurance, communication costs and vehicle burden |
| Start a small amount | Start building long-term assets |
| Learning Investment Trusts and ETFs | Understand Decentralized Investment Options |
If you want to review retirement funding systems, it may also help to read iDeCo basics and how to build assets while reducing taxes.
- Aged bankruptcy is caused by “increase income” and “increase ”
- There is a possibility that there is a lack of alone
- Longevity makes financial life more important
- Asset management as an inflation counterとして
- "Long-Term, Integrated, and Distributed Funds"
The first thing to do is not search for high return products.
Check your and monthly enditure.
Then, reviewing fixed costs, securing life-def。 funds, and returning in the order of small amounts will make it easier to lower the risk of aging bankruptcy.
This article is an explanation of the purpose of education. It is not intended for recommendation of specific products or individual consultation. Please check the latest official information as the system content may change.