退休规划2024：社保+商业保险+投资

退休年龄60岁，预期寿命78岁。如何用投资弥补社保缺口。 This article provides practical financial guidance for 中国 investors, covering strategies, real numbers, and examples you can model using the free Tickeroot calculators.

Why This Matters for 中国 Investors

Every country has its own tax system, investment products, and regulatory environment. The specific rates, available schemes, and local risks that affect your real returns in 中国 are different from everywhere else.

Key Numbers for 中国 in 2024

Metric	Value
Benchmark Index	沪深300 (CSI 300)
10-Year CAGR	7.0%
Safe Investment Rate	2.25% (定期存款)
Current Inflation	0.2%

The Compounding Principle

Regular investing beats perfect timing in every 20-year period ever studied, in every country including 中国. Starting with any amount and increasing it consistently over time — leveraging compounding — is the approach that builds real wealth for regular investors.

The best time to start investing was 20 years ago. The second best time is today.

Protect Yourself: 中国-Specific Fraud Risks

Before investing anything in 中国, verify every firm and advisor through the official regulator. Legitimate investments don't require urgent decisions, guaranteed return promises, or upfront fees. See the full fraud guide for 中国 on the country hub page.