Will there be a gap in China's pension in the future?

In 20 13 years, the pension gap in China will reach 18.3 trillion yuan. With the current pension system unchanged, the gap will increase year by year. Assuming the annual growth rate of GDP is 6%, the pension gap will reach 68.2 trillion yuan by 2033, accounting for 38.7% of GDP in that year. Many experts have also analyzed that the pension in China will be zero in 2035.

I dare not say anything about the accuracy of the data, but many pension-related policies issued by the state in recent years, such as pension transfer to wealth management, personal pension system, personal pension savings and the delayed retirement policy that may be implemented in recent years, all show that the pension pool is definitely stretched.

Northeast, northwest, Hebei and other provinces have reduced the number of old-age insurance payers because of the large outflow of labor.

2 1 century, with the rapid development of the economic era, the work pressure and life pressure of the post-90 s and their descendants have doubled, and their happiness in life has declined. Two generations whose parents were born in 1970s and 1980s are also experiencing a decline in happiness under the influence of double pressure. Under the influence of double pressure, people's expectations for a happy life after retirement are getting smaller and smaller, and "living in the present" has become the life concept of most people.

At the same time, with the annual increase in the amount of pensions in social security, more and more people are unwilling to pay the social security that will be realized in the next 20 to 40 years.

Every generation in the 1990s and beyond will face two choices:

First, I don't pay my pension and live in the present, but I'm worried about how to deal with my life after retirement.

Most employees are willing to pay pensions. After all, the unit undertakes 16% of the overall planning, and the individual only undertakes 8%. Pension received after retirement = overall planning+individual pension account (8%).

Although farmers' pensions are small, after all, the proportion of state and local subsidies is high and individuals pay less, so most people are willing to pay pensions.

The group with the largest number of people unwilling to pay social security is flexible employees. Although the state subsidizes 4% as a whole, which is 16% like employees, they have to bear 20% of the file selection quota, of which 12% belongs to the state as a whole.

Why do you want me to support others? This is the problem. I don't want to say anything about benefiting others and benefiting myself here, because everyone knows that they just express their emotions, and then most people will still pay. The reason is very practical-

First, not paying social security pension will affect future medical insurance.

Second, in the future, when children talk about marriage, they will say "they are suitable for each other". Not only should two people get along well, but the less pressure on their families and parents, the better. Then the other parents' pension and medical insurance are the focus of consideration.

The second is to continue to pay the pension and collect it later, but I am worried that I will not be able to recover the principal or even cash it in the future because of accidents.

China is a country whose basic national policy is to protect people's livelihood. The future pension can guarantee people's basic life at any time and play the role of timely assistance. However, if you want to add icing on the cake and live a high-quality old-age life, you still need to plan your income and expenditure if you have the ability to accumulate more old-age funds for yourself.

It's better to believe in yourself than anyone else-die at your own feet.