What is the experience of emigrating to New Zealand to support the elderly?

Speaking of New Zealand, many people's first impression is "Isn't that a country suitable for providing for the aged?" It is often followed by "What are you doing there?" Although I feel hurt by 10000 points every time, it also arouses my curiosity to find you. What kind of life do old people in New Zealand live? Why are all the old people you meet so happy? What kind of benefits can the old people get? Why do some surveys say that the elderly in New Zealand are the happiest?

Old people in New Zealand are not short of money.

Many people call New Zealand a paradise for the elderly, which is not unreasonable. According to the "Happiness Index" survey released by ——UMR, an independent research institution, the elderly in New Zealand are the happiest.

And a great guarantee of happiness is to have enough money. Yes, the elderly in New Zealand are very rich. They are the richest group in society.

Unlike what we usually know, young and strong people have the most wealth. Because of social stability, New Zealand's wealth accumulates steadily with age. The older you get, the more wealth you have.

According to the latest wealth data released by Statistics New Zealand, rich people of all ages are over 65, and the median personal wealth is as high as NZ $288,000. This value is 288 times that of people aged 15-24.

While accumulating personal wealth, the New Zealand government gives the elderly a large amount of pensions. It means that you can live a richer life even if you don't have a lot of wealth accumulation.

New Zealand's pension system

New Zealand is one of the countries that established pension projects earlier, and began to implement tax financing, unified standards and non-contributory pensions in 1898. The original pension policy has a strong discriminatory concept (such as excluding Asians), and after several changes, it has finally evolved into a relatively perfect New Zealand pension system today.

New Zealand's pension policy stipulates that all New Zealand citizens or permanent residents who have reached the age of 65, lived in New Zealand for 65,438+00 years since the age of 20, and lived in New Zealand for five years after the age of 50 are eligible to apply for a New Zealand pension.

In 20 13/20 14, New Zealand pensions benefited 6 10/0,000, with a total amount of NZD/kloc-0.02 billion. (In that year, New Zealand's gross national product was NZ $2,297 billion, and pensions accounted for 4.4%). It is estimated that the figure of 2017/201360 million will increase by 33%.

Having said so much, how much can I get? New Zealand's pension regulations stipulate that the amount of pension cannot be less than 65% of the average social wage. According to 1, 2065438, the specific amount is as follows:

The Difference of Pension between New Zealand and China

The English name of New Zealand pension is Superannuation, which is different from the traditional pension insurance in China.

China's old-age insurance is that "units and individuals pay 20% and 8% of the total wages respectively, and those who reach retirement age after paying 15 years can get a pension", while New Zealand's old-age insurance does not need to pay extra, but only needs to pay taxes normally.

China's old-age insurance is also available in New Zealand, called Kiwisaver.

Kiwisaver is a non-compulsory retirement insurance program launched by the government in 2007. You can choose to deposit 3%, 4% and 8% of your monthly salary into a fund account, and the enterprise will deposit at least 3% of your salary into the fund account. Coupled with the regular investment of the government, the money can be taken out of the fund as a pension after the age of 65. Of course, the fund's profit and loss is risky, so you can choose different types of funds according to your risk preference.

In addition, there are several points to note about New Zealand pensions:

I need to apply for a pension in advance;

Due to the requirement of residence time in the application conditions, you need to plan your overseas time carefully. If you go abroad, you can only go abroad for a short time.

Old as you are, your heart is young.

Shopping in supermarkets in New Zealand, you can often see a "strange" scene-the white-haired old man smiles and pays your bill. The Salvation Army, a charity all over the country, is also full of kind grandfathers and grandmothers.

Don't feel that society is black-hearted and don't let the elderly enjoy their old age. In fact, this is a very common phenomenon, and it is also one of the manifestations of the active participation of the elderly in New Zealand in social activities.

Different from what we usually know that the elderly should "enjoy" their old age, the New Zealand government advocates the elderly to actively participate in social life, hoping that the elderly can also feel the sense of social integration through work and establish a healthy mentality through social interaction and the sense of accomplishment brought by work. Choosing a job is also the independent choice of the elderly.

Among OECD countries, the social participation of the elderly in New Zealand is 20.62%. It is much higher than Australia, its neighbor, and even higher than Japan, which has always been famous for its work for the elderly.

Encouraging the elderly to work is not only the wishful thinking of the government, but also the realistic demand. According to the report released by the Ministry of Social Development of New Zealand, by 20051year, the proportion of the elderly labor force will reach 13%, and the proportion of the elderly participating in the work will also reach 29%.

This means that 10 of the New Zealand workforce, 1 may be the elderly over 65, and 1/3 will choose to work. Older people's choice of jobs will also directly bring many social effects, which will directly bring182 billion economic benefits to 205 1.

Therefore, in New Zealand, the old people are healthy and full of vigor. While glowing and creating social value, they are happy both physically and mentally.