The ancients said that “standing at thirty”, for anyone, entering the age of 30 means that they have come to the most golden age of life.
Looking at the present, the first batch of post-90s generation has already crossed their thirties. With the increasing maturity of their age and the continuous progress of their academic careers, they are taking over the post-80s generation in new economy, new culture, new consumption and other fields to become the leader of the whole society. strength. However, from another point of view, since the post-90s are in an era of rapid economic and social changes, although some people have already entered the workplace, due to fierce social competition and high consumption levels, they often fall into anxiety when they are just starting out. Many people neither have the money to buy a house, nor dare to get married, and even continue to rely on the “aid” of their parents.
In the income item, the starting salary of the above-mentioned groups is determined according to the graduation salary of the fresh graduates in the “Chinese College Students Employment Report” issued by the Mykos Research Institute; Philippine’s sideline business, so we include sideline income.
Specifically,The first batch of post-90s deposits at the age of 30 are in the range of 270,000 to 380,000 yuan, which means that at the age of 30, it may be an ideal state to have a deposit of about 300,000 yuan. Married people generally have higher savings income than unmarried people. Although they spend more, their income is also increasing exponentially; master students have the largest absolute savings regardless of whether they are unmarried or married.
In the expenditure item, the living expenses are regarded as the basic expenditure item. Since housing and car loans are important sources of stress for the post-90s generation, these two items are also included. In addition, in the married group, the cost of raising children is also very important, and this part cannot be ignored.
The balance can be obtained by subtracting the expenditure from the income, and for the distribution of the balance, according to the “Post-90s” Financial Management and Consumption Report released by Tencent, 84% of the post-90s have the habit of financial management, so according to the principle of relative stability, The balance is allocated to demand deposits, time deposits, and stocks/funds at a ratio of 5:3:2. The interest rate of demand deposits is formulated by the central bank, the time deposit is the average interest rate of treasury bonds in the current year, and the yield of stocks/funds is derived from the passive CSI 300 in the current year. Fund income.
Hashtag: Post-90s Post-00s Deposit
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