如果不交社保，每月往银行存1000元，三十年后够养老吗？

Core Viewpoint - The article discusses the importance of retirement planning, particularly the role of social security and personal savings in ensuring financial stability during retirement. It questions whether saving a fixed amount monthly can sufficiently support retirement needs. Group 1: Social Security and Personal Savings - Many individuals rely on social security for retirement, which includes five types of insurance: pension, medical, unemployment, work-related injury, and maternity [1] - Not all employers contribute to social security, and even when they do, employees may have to pay a portion themselves, leading to reduced take-home pay [1] - The article poses a scenario where an individual saves 1,000 yuan monthly for 30 years, resulting in a total savings of approximately 360,000 yuan, plus interest, leading to a total of around 470,000 yuan after 30 years at a 2% interest rate [3] Group 2: Retirement Living Costs - The average life expectancy in the country is 80.9 years, suggesting that if one retires at 60, they may need to sustain themselves for 20 years on the accumulated savings [3] - Dividing the total savings of 470,000 yuan over 20 years results in an annual income of 24,000 yuan, or 2,000 yuan per month, which may be sufficient in lower-cost areas but inadequate in high-cost urban settings [5] - The impact of inflation is highlighted, indicating that the purchasing power of money decreases over time, which could exacerbate retirement financial pressures [5] Group 3: Investment Strategies - The article advocates for diversified investment strategies beyond simple savings, such as investing in gold, bonds, and mutual funds to combat inflation and enhance wealth accumulation [7] - Relying solely on bank savings for retirement is deemed insufficient due to the unpredictability of future expenses and inflation [7] - A proactive approach to financial planning, including social security contributions and personal investments, is recommended to ensure a comfortable retirement [7]