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Wijzer's research on money issues shows that three quarters of the Dutch want to stop working earlier than their minimum age, but about half of them have not arranged anything. That's why Bild's adviser Fons gives a hand.
He calculates the amount of savings for three situations: a married couple with a house, a single person with a house for sale and a single person with a rented house.
Spoiler: the tenant is the sjaak
Married and a private house
Meet Jaap (30) and Jeanine (32). They are married and have a modal income: 37,000 euros gross per person per year. Last year, they bought a house for 325,000 euros with a 30 year annuity mortgage. Their monthly payments are 1285 euros.
The Social Insurance Bank currently has a statutory retirement age for Jaap and Jeanine, 71 years old. This means that they receive only one benefit. If they stop working earlier, they will have to live without AOW for a while.
"This period is called AOW-Hole." To fill this gap, you have to save money, "explains De Bilde.
Jaap and Jeanine paid off their mortgage after thirty years. They no longer have to pay mortgage around the sixtieth year and retain more than 1000 euros. If they save that for seven years, they will be able to stop working at age 68.
From Bilde: "In this case, they will save a lot, because the deficit of the AOW is about 6,000 euros per person per year"
Five years ago
But the couple actually wants to leave five years earlier, but thinks they are 63, the age of retirement. "It then becomes obvious that it is important to start saving early," says the financial advisor. "They must now do more than repay their mortgage: the couple must pay 734 euros per month from 30 years."
This amount is created as follows:
Jaap and Jeanine have a shabby hole of 6,000 euros per person per year, which begins at age 68, thus amounts to 36,000 euros
There are five years of cost of living, about 40,000 euros per year, or 200,000 euros. The couple also misses some pension rights because they have not worked for five years, which costs 3,700 euros per person per year, or 37,000 euros in total.
This is an amount of 273,000 euros that Jaap and Jeanine must share. save for retirement five years ago.
Single and owner-occupied house
But what if Jeanine is not with Jaap, but lives alone? She still wins the modal but now buys an apartment of 160 000 euros She has a gross monthly payment of 635 euros.
Jeannine has the same life annuity mortgage as thirty years. For example, she managed to retire a year earlier than in the previous scenario: not at 68, but at 67.
After repaying, she can save 6,050 euros a year and for seven years.
Five years ago
Even now, retiring five years ago is much more difficult. When Jeanine starts to save immediately, she has to pay 376 euros per month to reach 136,500 euros.
Jeanine is happy to be 31 years old.
"It's important that she start right now, to save," warns De Bilde. "In fact, the saving rule is this: you wait every five years, you have to double the amount you put aside each month."
A single dwelling and a rental property
If Jaap or Jeanine were renters, the economy is already very important. Returning sooner will be difficult for a tenant, says De Bilde
"You will find that lowering housing costs is very important to save money." As a renter, you do not get these decreasing housing costs, in fact: rent often goes up. "
Suppose that Jaap alone has a rent of 750 euros a month, but if he wants to stop a year earlier, he has a deficit of 6,000 euros and 27,500 euros for the cost of life and rent. [19659002] Add to that the amount of the missed pension of 3,700 euros and you will retire at 37,200 euros a year earlier.The buyer Jaap must now pay 89 euros per month separately
Five years ago
If the renter is Jaap more than five years old want to stop earlier, the amount is gigantic.He will then have to save $ 500 a month from now on.
"C & # 39 is really because the cost of living remains unchanged, "says the expert." The tenant is half of this pension paid for rent. "
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