After the publication of a number of articles in the scientific and economic press on pension savings, a squall of critics collapsed on me. People indignantly and did not understand why dig money and investigate them into something. Many said that they doubt that they would live to a deep old age, and other complained brokers could deceive and leave with anything. However, the most common excuses were nodded towards children, they say, they also feed themselves and support their parents in old age.
In this article, I will tell you why such thoughts are false and why you should not hope for our children.
1. The main reason is impossible to be confident in the financial well-being of the child.
All parents believe that their child will definitely become rich and successful. Well, if it is so, but statistics show that the financial success of parents does not always coincide with the financial success of their children. Much more often the opposite: parents work in the sweat of the person, and the children are idle and burn life. For years and the aggravated unicume never knows the basics of money. It turns out that such a child will be a dependent all life and will never help.
2. Your child will have their own children.
The child will be able to help parents only if he has no own children. In fact, the retirement parents often coincides with the time of his grandchildren. The fact is that today's youth is solved for childbearing in a fairly mature age (30-40 years). It turns out that the time of pension coincides with the time of the appearance of grandchildren. With this situation, young will invest in their grandchildren, and not in the elderly parents, therefore it is not worth help from them.
3. The child may experience difficulties in finding work or himself.
The world changes so quickly that people do not have time to rebuild. Communicating with many people, I myself noticed that quite adults (often over 40 years old) cannot decide on the choice of profession and seek their calling for too long. Long chatting on starting positions, the impossibility of career growth or love of the low-paid profession will be reduced to zero the possibilities of helping parents-pensioners.
4. The child may be disabled.
Due to poor working conditions, the likelihood of disability and, accordingly, serious drawdown in income is sharply increasing. I would not want to recognize this, but the level of Russian medicine is still quite low, and stories from the category "in the evening I was lying to bed, and I didn't wake up in the morning." I have to listen quite often. In the aggregate with the refusal of life insurance, this fact leads to the fact that even the established well-being can break into any time, which once again talks about the need to calculate only on herself.
5. You can spoil the relationship with the child.
Since all people have a different character, they hope to 100% understanding from their own children. It is always necessary to allow the likelihood that you quarrel with your children and they will refuse to provide financial support after that. Moreover, children tend to accumulate resentment from birth itself, and then for a long time to recall them.
OUTPUT.
It should be understood that children are not a business, not an asset and not startup. First of all, children are a continuation of the genus, physiological need, tool for building sincere happiness. To be calm for your old age and pension, it is necessary to create a portfolio from various financial instruments, savings and assets. Competent investment will help to be confident in the quality, liquidity and profitability of the portfolio, which means it is good to feel in retirement.
If for some reason you cannot or do not know how to assemble such a portfolio, I recommend urgently to start learning the financial literacy and principles of working with stock exchanges. For any work you need time, experience and knowledge, so the earlier you begin to make a friendship with finance, the sooner you begin to postpone your retirement, the better it will be for you.