Retirement benefits that continue to be targeted
I often hear the story “When I get retirement benefits, I get a phone call from the bank, listen to the asset management story, invest as they are told, and I lose a lot.”
When I had errands a while ago and went to the bank, I heard other customers receiving explanations about mutual funds while waiting.
“I don't know much about investments, but I thought I should do something, so I came here to discuss it,” he said.
Oh, I thought this might be an action I often hear as “something you shouldn't do,” but since there wasn't anything I could do, I had no choice but to hope “be happy.”
When I tried searching for “bank name investment trusts,” the lineup was small, fees were high, and I felt like “there's nothing wrong with that.”
In order not to fall into this kind of disappointment yourself, it is important to learn and experience investing correctly as early as possible.
Investment education in high schools became mandatory starting in 2022.
I think that's a good thing, but there also seems to be data that people who learn to invest half-heartedly are more likely to run into investment fraud.
Since the age of adulthood has been lowered to 18, it seems that the number of villains trying to turn the younger generation into ducks has increased.
However, it is easier for elderly people without investment knowledge to be targeted because they are “worried” when they get retirement benefits from younger people and feel more motivated.
In order not to be fooled, I think it is good to decide “what to do with retirement benefits” to some extent within the so-called active generation.
I'm a freelancer, so I don't have retirement benefits from companies, but since I do small business Kyosai and iDeco, I've decided on an exit strategy to some extent.
Specifically, I plan to cancel iDeco at age 65 only for the last minute portion of the retirement income deduction, receive the rest every year, and cancel the small-scale enterprise mutual aid contract when the retirement income deduction is restored after 5 years.
If the order is reversed, the retirement income deduction won't be revived until 20 years have been left, right?
The relationship between retirement benefits and iDeco is the same, but since it is difficult to control when to receive retirement benefits, I think it would be a good idea for those who do iDeco to check the system of their place of work.
There is a high possibility that the retirement income deduction will deteriorate, and I don't know what kind of system it will be in a few decades.
If the system changes, we will search for an optimal solution according to it.
Anyway, if you are an individual investor who is wise, please be careful not to use your retirement benefits for disappointing investments.
Disclaimer: Community is offered by Moomoo Technologies Inc. and is for educational purposes only.
Read more
Comment
Sign in to post a comment
「投資にリソースをかけすぎない」がモットー。
保有資産は全世界株式、米ドル建て債券など。
41歳、個人事業主。
106Followers
0Following
467Visitors
Follow
kenau : It's a bad way of saying it, but most of the people who get caught are probably people who aren't struggling with money, and my parents aren't struggling with money, so I was made to buy stocks as bank employees told me, and I didn't know about the existence of stocks until the time I inherited the inheritance, but 0.5 million turned into paper scraps.