A game company has launched a "retirement simulator" that allows users to simulate retirement life by inputting their age, income, and savings. The protagonist is thirty-three years old. After trying it out, he finds that he is bankrupt at the age of sixty in the game: the basic pension replacement rate is only 40%, the enterprise annuity is not participating, the personal pension is not opened, and he can only eat steamed buns after retirement. The game allows you to go back in time, and he makes new plans: open a personal pension account, pay 12,000 yuan every year, participate in corporate annuities, and invest in index funds. Finally achieved financial freedom at the age of sixty. The work popularizes concepts such as the three-pillar pension system, compound interest, annuitization, and longevity risks in the form of a game, which is humorous and interesting.
Purpose: Qu Tu Tu Mi Xin