Country cottage area
It is impossible to sit idle at the dacha. Either you need to dig up a garden bed, then weed the plantings, then apply water for irrigation, patch up a porch or fence... We are always on the move, in the fresh air, enjoying communication with nature.
Pros. A summer cottage is a great way to maintain good health. In addition, environmentally friendly and always fresh herbs, vegetables and fruits from your own plot will diversify your table, and homemade jams and pickles will provide your family with vitamins for the winter.
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Volunteering
Think about how many disadvantaged children and frail old people there are around who need help! You can look for new good owners for animals that find themselves on the street. Try to find the phone numbers and addresses of charitable organizations on the Internet or with the help of your friends and offer them your help.
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Volunteer helpers. Anyone can become a volunteer
Pros. Working for free for the benefit of society will breathe new strength into you, distract you from your own problems and thoughts about illnesses, and give meaning to your life. By the way, according to an extensive eight-year study conducted by scientists at Michigan State University (USA), mortality among volunteers from charitable and public organizations is 40% lower than among those people who do not participate in volunteer movements.
New stage of life
Old age is a stage of life when you need to realize who you have become and come to terms with it. Beyond this final stretch there is no longer a long future for which one could hope and make plans.
However, you should not look at all this with the eyes of a pessimist. Retirement is a great opportunity to live for your own pleasure, when no worries, problems or conventions tie you hand and foot.
Important ! You can do those things that have been put on the back burner, devote time to self-development, communication or relaxation.
Retirement allows you to live for your own pleasure and finally take care of yourself
Transfer of knowledge and experience
Start writing your memoirs, put your family albums in order, make a family tree, write down everything you know about your relatives. This knowledge should not leave with you!
Pros. This work will give you optimism and help you open a new page in your life. Your relatives, friends and acquaintances, and especially children, will certainly appreciate your work.
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Theme nights and events
Communication brings joy. Meet old friends, make new ones. Make your get-togethers useful and educational. Watch and discuss the film together, organize a literary lounge, or have a culinary duel.
Agree to hold themed parties in turn, organize events, involve your children and grandchildren in this.
Don't forget about traditional holidays. Come up with a script or play, organize a handicraft exhibition. This will ensure constant activity and a lot of positive emotions.
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Self-development
It's never too late to learn. Create your own personal study plan or reading program and start filling in the gaps. Master the computer and learn how to use the Internet, if you have not already done so. Now we can’t go anywhere without it. Through the Internet, you can pay for housing and communal services without waiting in line and without interest, make an appointment with a doctor, or find out where it is cheaper to buy medicine. Take up studying foreign languages in courses or using self-teaching tutorials (there are now many audio courses that allow you to do this yourself). Many museums have lecture halls with interesting programs. You can also sign up for yoga, massage courses, or driving a car.
Pros. Education trains your memory, develops your brain, broadens your horizons, and enriches you with new knowledge.
Proper organization of retirement
Serious attitude. Retirement must be approached with full responsibility. In the future you will have to live on the accumulated funds. You need to make it a habit to regularly save money and under no circumstances touch it. The best option would be to immediately transfer the money to the insurance company.
Manage your savings wisely . Before investing anywhere, you need to assess all possible risks. Experts recommend investing your savings in stocks for a period of 10 years 30 years before retirement. 15 years before retirement, about 20% can be put aside into a deposit, and 20% can be invested in bonds; about 60% in mutual funds.
It is necessary to approach preparation for retirement with all responsibility.
Constantly monitor your savings . Life is so unpredictable that you can never be sure of the stability of the market. To protect your savings, you can open a long-term deposit with the ability to replenish your account.
You shouldn’t store all your finances in one currency ; it’s best to distribute your savings and convert them into banknotes of different countries. This way, the fall of one currency will not hurt your pocket. You don't have to worry about inflation if you get a stable income from investing. This could be renting an apartment or buying shares of world-famous companies that pay guaranteed dividends.
It is recommended to store money in different currencies
Job
If you feel that you are still full of strength, then you can still work harder. Was your previous place of service a burden to you? Learn a new profession. The main thing is that it brings you joy, even if it doesn’t pay so well. You can find work from home or part-time. Look for suitable vacancies on job boards or newspaper advertisements. You will almost certainly be able to find a job you like.
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Pros. A job will make you feel like you are contributing to society, will provide you with a smooth transition to a new life and income level, and will help maintain your quality of life.
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Financial preparation for retirement
First, you need to decide on the amount that a pensioner will need to retire. To do this, calculate how much money you need monthly to live without needing anything. Of course, you will receive pension payments, but they are not always enough for a full life. You need to understand that each person has his own level of norm and needs, and therefore it is quite difficult to determine a “universal” amount.
You need to get information about how much the social security system will charge you. This amount is added up taking into account the earnings that the pensioner had before retirement. Every year, all employees receive brochures that indicate the standard monthly contributions.
It is worth clarifying the information about what level of earnings is required to receive an allowance under the social security system. The resulting amount must be multiplied by 12 and divided by the number of years that the pensioner expects to live upon retirement.
In this way, you can get the amount that should be earned in a year. It is possible that the resulting number will be exaggerated, since it is impossible to take inflation into account.
The size of the pension depends on the employee’s length of service, as well as his salary.
From the amount that a pensioner will need per year, you need to subtract the amount that he is entitled to every year under the social security system. The resulting value must be calculated annually from investment companies and the pension plan.
There are various investment options to consider. If young people still have a lot of time before retirement, then they can invest money in securities, making contributions up to 65%; for older people, who may not have time to repay what they have lost, it is better not to make contributions of more than 35%. It is also worth paying attention to the short-term capital market and an investment account with interest at money market rates.
Important ! It's worth visiting your local banks to find out more about their offerings. Most often, they offer to create a personal pension account and personal pension provision. But a decision should be made only after each bank’s proposal has been considered.
You can invest to increase your funds
You can contact the human resources department at your place of work and ask for information about what pension programs management offers. Often, an employer may offer a 401(k) or 403(b) plan. At the same time, the employee may be entitled to receive subsidies and participate in share capital.
Money shouldn’t lie around like a dead weight, which means it needs to be invested somewhere. Especially during periods of difficult economic situations. For example, you can invest in foreign currency or real estate.
Important ! It is necessary to free yourself from debt obligations even before retirement. The sooner you can pay off your mortgage or loans, the freer you will feel in retirement. In addition, you can safely bequeath your property to your heirs.
It’s better if the money doesn’t lie “dead weight” - it’s worth investing
If a pensioner is planning to buy a new home in which he will have to retire, then he should consider whether he will be able to maintain it after retirement. When choosing a private house, you should take into account that its maintenance will cost more than living in an apartment. It is necessary that the housing be equipped with everything necessary for the residence of an elderly and possibly sick person.
It would be a good idea to take out a life insurance policy for both spouses. In the event of the death of one of them, the other will receive a certain amount of money, which can replenish pension savings.
Physical activity
Leaving the schedule that you have followed for years, which you adhered to when you worked, and reducing physical activity can quickly lead you to gain extra pounds and acquire a whole bunch of diseases. Make it a rule to start your morning with exercise, sign up for a swimming pool, a health group, and take long walks every day. Buy a pedometer: for good health, doctors advise taking 10 thousand steps a day.
Pros. Physical activity is the best way to keep your spirits up and improve your health.
Results
Rarely does anyone think about retirement from a young age. During this period of life, other pressing problems are of concern: getting an education, finding a decent income, caring for the family. People begin to think about old age at the age of 40, and only then do they make some preparations for retirement. However, it is better, of course, to do this in advance - this way you will definitely ensure a comfortable old age and will be able to devote this time to yourself: do things that you never had time for, devote more time to your family, travel and much more.
Communication
Staying at home is not only bad for your mental health, but also your physical one. Enroll in a dance school, find groups of like-minded people on social networks. Start your own blog on the Internet where you can share your knowledge and discuss topics that concern you.
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Pros. As you get older, your social circle often narrows. At the same time, making new friends is much more difficult than in my younger years. Communication with new people will spur your interest in life.
Hobby
If you are a passionate person and also know how to do something with your own hands, you can be considered happy! Do something for which you previously had sorely lacked time. Maybe since childhood you had a dream to learn how to draw with pastels, paint in oils, watercolors, or do batik? Or did you want to learn to play some musical instrument, or sing in a choir? The field for creativity is limitless: sewing, knitting, embroidery, felting, bead weaving, straw, vines, birch bark, wood carving, bead making... How to learn all this? Go to your nearest bookstore. There are a lot of books on handicrafts being published now. You can sign up for courses; you can find numerous master classes on any type of creativity on the Internet.
Pros. A hobby will not only bring satisfaction and joy, but can provide an additional boost to your pension.
Perpetual motion machine
Just as there is no perpetual motion machine in nature, there is no such person who would always remain young, active and interesting. Therefore, if an elderly person wants to always be “on the wave” of events, then he needs to keep up with the times. He should devote time to technical innovations and learn to use them, keep abreast of the latest news, events and modern trends.
Even in retirement you need to try to stay afloat and keep up with the times
With age, a person becomes uninterested in the events that happen in the world. But if he retains his cheerfulness and desire to understand the world, then he will always be young at heart.
Important ! Few people think about their retirement. And this is very important, if only to know how a person will survive in old age. If he has the opportunity to save, then it would be foolish not to take advantage of it, since it is unknown whether he will be able to continue working after retirement.
