Facing the crisis of providing for the aged after 80' s and 90' s?

Facing the crisis of providing for the aged after 80' s and 90' s?

1, 80, 90, facing the crisis of providing for the aged.

Give you a common sense: we all know that there are five risks in social security, one of which is our old-age insurance. However, not all the old-age insurance we pay now is for our own pension, and the money allocated to Gong Hu is for retired people.

Knowing this, let's look at some data: at present, the ratio of the working population to the elderly population is 5.5: 1, and an average of five and a half young people are needed to support an elderly person. Five raises 1, which is reasonable. However, as the population decreases, the problem of population aging intensifies, and by 2025, this ratio will become 3:1; By 2040 (when the back door began to retreat in the 1980 s and 1990 s), the ratio was only 2: 1!

What is terrible is that at this moment, the pension account has been running in an empty account! Please think about it, what will happen in the case of 2: 1

Not only are we too old to spend enough money, but our present life is not easy;

4-2- 1 family structure, that is, a couple born in the 1980s and 1990s have to support four elderly people and 1 child at the same time.

The high cost of living for house slaves, car slaves, card slaves and child slaves has reduced the quality of life after 80 s and 90 s.

It's really a busy, hard and unrequited life.

2. Where is the way out for the aged after 1980s and 1990s?

1. Second child policy

Developed countries can also encourage immigrants, but for non-immigrant countries like China, the most effective way to solve the crisis is to have more children and avoid the inverted pyramid birth structure. But the experience of developed countries tells us that once the fertility rate begins to decline, it is difficult to go back. From the survey results of our previous second child article, we can see that although the second child policy has been liberalized, most people do not want to have children.

2. Delayed retirement

At present, with the dependency ratio of 5.5: 1, there has been a call to postpone retirement to 65. So, when the ratio becomes 2: 1 40 years later, are we going to get stuck in work? . . But the problem is, I really don't want to postpone retirement.

3. Housing for the elderly

After 8090, after all kinds of hardships and struggles, I finally paid off my mortgage and finally owned my own house. However, the Housing for the Aged Association will require that the house be mortgaged to the bank again. Will everyone be willing? And if the second child can't keep up, there will be fewer and fewer young people, and the supply of houses will exceed demand. House prices are falling, what should we do?

4. Old age insurance

The insurance mentioned here is the commercial endowment insurance that we supplement for ourselves in addition to social security. The characteristic of endowment insurance is very safe. But the older you buy this kind of insurance, the more expensive the premium. Moreover, if the income of endowment insurance is calculated, it will be found that its yield is generally not higher than 2%~2.5%. If inflation is serious, it can't even make ends meet. It's so sad.

5. Financial management and pension

Good planning financial planners believe that providing financial support to the elderly should be the simplest and more profitable pension alternative at this stage. Generally speaking, it is recommended to choose investment products with long investment period, stable income and low risk to accumulate pensions, such as bank wealth management and national debt, or choose funds for long-term fixed investment.

6, good planning financial planners have something to say.

Even though we did it in the' 80s and' 90s? Bad timing? Some sad reminders. But our generation also has a different kind of charm and passion for struggle. We should be proud of ourselves, because we can not only feed the older generation, but also save a happy old age by self-sufficiency, and leave a society with more reasonable housing prices and lower living costs for our descendants after 00 and 10.

;