先日のご訪問先にて

ライフプランニングの結果をお伝えに敦賀に行く機会がありました~☺

住宅購入に際しての資金的な不安やその先のお子さんの成長に合わせての資金計画をお話しさせていただきました。

その中では老後の国民年金はいくらくらいですか?や厚生年金はいくらですか?

という質問もありました。🙋

国民年金は受け取る年齢にもよりますが年々下がっています😞

そして受け取る年齢も60歳から65歳・・・70歳???

少子高齢化の波を受けているので受け取る金額や時期がずれてくることは考えていかないといけません。😔

30歳で65歳まで30年あるからまだ間に合うからまだいいと思っていても・・・

気づいて50歳だと準備期間は65歳として15年しかありません。

しかも期間が短いと貯金する金額も違ってきます。

例えば 1000万貯めたい場合でも

30年で約2.8万円

15年で約5.6万円

になります。

この差は大きいですね🤮

しかも昔みたいに銀行に入れて倍になる時代は終わりました。

長期的な運用を視野に入れて掛け金もそこまで大きくなく、増やしていくことが絶対条件になります。

その為には何をすればいいのか?

ステップ1

しっかりとした資金計画をたてることが大事です。(人それぞれ違います!!)🌝

ステップ2

そしてその計画に何かあっても大丈夫な保障などの基盤を作ることが大事

(職業や貯金額、共働きなのか?それを注意します)

ステップ3

その計画を作ったらそのままで終わりではなく5年くらいで見直す時期を作る

(5年で何かが変わります。 例えば・・お子さんの習い事、夫婦の仕事環境など)

その計画の実行するにあたりコンパスをもって生活を考えていくことが大事ですね。

その夢の計画を作ってみたいと思った方は無料診断へご相談ください

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