Suddenly I calculated the numbers:
If a person starts investing at 25, wants to retire at 50, and after retirement maintains a living standard of 10,000 yuan per month on today’s terms, and lives to 100.
Based on inflation plus continuing to earn some returns after retirement, at around age 50 you would need roughly 8 million yuan in assets.
If your long-term annualized return is about 10% to 12%:
With a monthly continuous contribution of 5,000 to 7,000 yuan, and sticking with it for 25 years, you actually have a real chance to reach it.
Suddenly I feel that what ordinary people truly need might not be getting rich overnight.
Instead:
Increase your income, keep buying high-quality assets, and then let time work in favor of compounding.
From age 25 to 50, there are still 300 opportunities for monthly systematic investing.
Take it slow—time is actually on our side.
If a person starts investing at 25, wants to retire at 50, and after retirement maintains a living standard of 10,000 yuan per month on today’s terms, and lives to 100.
Based on inflation plus continuing to earn some returns after retirement, at around age 50 you would need roughly 8 million yuan in assets.
If your long-term annualized return is about 10% to 12%:
With a monthly continuous contribution of 5,000 to 7,000 yuan, and sticking with it for 25 years, you actually have a real chance to reach it.
Suddenly I feel that what ordinary people truly need might not be getting rich overnight.
Instead:
Increase your income, keep buying high-quality assets, and then let time work in favor of compounding.
From age 25 to 50, there are still 300 opportunities for monthly systematic investing.
Take it slow—time is actually on our side.
