Thirty-three-year-old Internet community animal Lin Dafa was suddenly entangled in his personal pension account "Lao Jin". Laojin is the product of the "Personal Pension Digital Personalization Pilot", which can check accounts, video, and accurately control every cup of milk tea. While it popularizes the tax-deferred and closed operation of the personal pension of 12,000 yuan per year, it forces him to join the company's enterprise annuity and calculates compound interest for him: starting from the age of 25, he invests 1,000 yuan per month, with an annualized rate of 6%, which is about 1.42 Million at the age of 60; by the age of 35, only about 690,000 is left. Lin Dafa went from resisting and bickering to being persuaded, and finally set up automatic deductions and switched from a large cup of milk tea to a medium cup. The work uses the absurd setting of pension accounts to "become elite" to connect the first, second and third pillars of pension common sense, and explain DC plans, employer matching, vesting periods, annuitization and longevity risks in humor.
Purpose: Prepare for a rainy day