I am 50 years old. Can I retire with a house, a car and a deposit of 6.5438+0.5 million?

Recently, Mr. Hong, an old friend in his fifties, called for advice. Because the early investment business failed and lost miserably, it is difficult to find a job again. He feels that he has worked hard all his life and wants to retire early. Mr. Hong has a house in Shanghai. At the same time, after years of hard work, his investment business has basically lost money, but it has also retained 6.5438+0.5 million in cash. The question he asked is, can you spend your old age on this 654.38+0.5 million?

The normal retirement age in China is 60 years old, and it seems a little early for Mr. Hong to retire early in his fifties. However, it will take another 20-30 years to spend 654.38 yuan +0.5 million yuan, which is still acceptable in theory. If Lao Honghua10.5 million buys bank certificates of deposit or low-risk wealth management products, the rate of return is 4-4.5%, and he can get a stable income of 67,500-67,500 yuan a year, with an average of more than 5,000 yuan a month. If he saves about 3000 yuan and 2000 yuan a month, the effect may be better.

Therefore, the 50-year-old deposit is 6.5438+0.5 million, which has achieved the most basic financial freedom and does not need to go to work. However, there are still some variables that must be considered: First, if you use this 654.38+0.5 million for 20-30 years, it will be fine if you are in good health, but if you are in poor health, you often need to see a doctor or have surgery, and there is no medical insurance, which will be more troublesome.

Once you get seriously ill, you have to use the principal, so good health is very important for providing for the elderly in the next few decades. I suggest that Mr. Hong can buy himself a health insurance every year to transfer risks. If Mr. Hong used to work in an enterprise for several years and paid five insurances and one gold for several years, but he didn't reach 15, he might as well make up 15. At least after 60, he still has a basic old-age security, plus 1.5 million deposit, so much the better.

Second, there are 6.5438+0.5 million people at the age of 50, earning interest every year, so they will not be very rich in first-tier cities, because the cost of living in first-tier cities is relatively high and there are many social activities. If you want to live better, you can go to small and medium-sized cities, where the cost of living is low and there is an interest surplus every year. In fact, even if Mr. Hong is too old to take care of himself, he can go to a nursing home and be taken care of by a nurse. Housing for the elderly? To solve the problem. So for Mr. Hong, who has a house and a deposit, there is really nothing to worry about for at least 20-30 years. Just if you want to reduce the cost of living, you can move to a small city.