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人物背景高先生,38岁,丁克一族,工作稳定,家庭年收入15万元,生活节俭;2009年刚换购一套130平方米的住房,143万元,无贷款;当前家庭储蓄5万元,没有投资股票、基金及任何理财类产品。高先生计划60岁与太太同年退休,退休后二人入住较好的养老院安度晚年。如何才能攒足在养老院的晚年生活费用且维持退休前的生活水平?(高先生属于中低等风险承受能力投资人;假设未来平均通货膨胀率为4%,工资增长率基本能抵制通胀压力。)
Mr. Gao, a 38-year-old Dink clan, has a stable job with an annual income of 150,000 yuan and a thrift in life. In 2009, he just redeemed a 130-square-meter housing unit with a total value of 1.43 million yuan and no loans. He currently owns 50,000 yuan of household savings, No investment in stocks, funds and any financial products. Mr. Gao plans to retire at the age of 60 with his wife in the same year, and retire after retirement to stay in a better retirement home. How can we save our living expenses in retirement homes and maintain the standard of living before retirement? (Mr. Gao belonged to investors with medium and low risk tolerance ability. Assuming an average future inflation rate of 4%, the rate of wage increase basically resisted inflationary pressures. )