When you see this title, you may ask, I am still young, why do I have to think about such a long-term problem?
In fact, the topic of pension has always been a key issue that people pay attention to. Whether you are 20, 30, 40, 50, 60, life is closely related to pension. When you are 20 years old and 30 years old, what you are facing is the pension problem of your parents. If you increase your age, you are facing your own pension problem.
Do you want to live your life after retirement?
People live all their lives, for their children, for their parents, for work, and for others. When can they live for themselves?
Have you ever thought that after retirement, you can finally do not wake up in the alarm bell, and finally have time to do what you want to do, and Lovers travel together, can grow flowers and vegetables, can express their emotions through reading and writing, can sing and dance to cultivate sentiments...
Imagination is beautiful, but now we have to Faced with many practical problems-
After retirement, can we really live the life we want? How do we live the retirement life we want?
Let’s take a look at the current demographic situation of our country.
In May 2021, my country announced the final results of the seventh national census in 2020. According to the latest data, my country has a total population of more than 1.44 billion, ranking first in the world. Among them, the number of people aged 65 and over exceeds 190 million, accounting for 13.5% of the country's total population. In the sixth census ten years ago, the number of people aged 65 and over was only about 120 million, accounting for about 8.9% of the national population.
What are the concepts of these data?
Internationally, the recognized indicators of aging at different levels are as follows: a country whose population over 65 years old accounts for 7% of the total population is an aging society, and 14% is a deep aging society. society. It can be seen that in the seventh census, my country is gradually approaching a deep aging.
At the same time, in the face of the increasingly severe aging problem, we are facing an increasingly heavier pension burden. People with pension problems are getting younger and younger.
In the process of thinking and preparing for the elderly, what practical problems will we face?
1. The pension balance is insufficient, and the money is not enough to spend
Because every family has different circumstances, it seems that no one has given out how much money is enough to provide for the elderly. specific number.
Our current pension adopts a pay-as-you-go model, that is, the social security paid by young people is used to pay pensions to those who have retired, and the pensions received after we retire are paid by our next generation. of. As the population aging problem continues to worsen, by 2035, the pension balance will be exhausted, and our generation may face a situation where there is no pension to receive.
Picture source: "China Pension Actuarial Report 2019-2050 》
As we age, we will spend more on medical examinations, medicines and nursing care, and even some people will suffer from expensive diseases, which many ordinary people can’t afford. Affordable. At the same time, prices are rising rapidly, and even if there are no large expenditures that exceed our expectations, it is difficult for us to ensure that we can live a fairly adequate life when we are old.
Second, the pressure of old-age care
In the 1980s and 1990s, most of the children were only children. Today They have gradually entered the age of standing and standing, and their parents are also facing retirement or have already retired, and the pressure of old-age care and life pressure that comes with it should not be underestimated. Let's look at the following two examples.
Zhang San was born in a family of ordinary workers, and he stayed in first-tier cities after graduating from graduate school, and his parents lived in his hometown. As a highly motivated person, Zhang San’s goal is toI bought a small apartment in a working city, but the plan couldn't keep up with the changes. My mother became a vegetative in a car accident, and the family spent all their savings to treat her mother, including Zhang San’s money for buying a house.
After Aunt Wang retired, she started helping her daughter to take care of her children, buying vegetables and cooking, and taking care of all the housework. Finally, the child can relax in elementary school, and his wife has a cerebral hemorrhage again, although she was rescued by all-out efforts. He died, but from then on, he could only lie in bed and be taken care of by others to eat and drink Lazar. The daughter and son-in-law were both only children, and had to go to work to support the family. The burden of caring for his wife and children undoubtedly fell on Aunt Wang again. People who have not experienced it personally can't imagine how difficult it is to take care of a patient who is completely paralyzed. Aunt Wang's ideal retirement life has come to nothing.
It is undeniable that most people will go through this life without disaster. We don’t want to see anyone suffer. However, no one can guarantee that the next moment disaster will not happen to ourselves. Although the above two incidents are a case, they are also the epitome of many families.
Third, the management of nursing home model is chaotic
Nursing homes in China are mainly divided into public nursing homes and private nursing homes.
Public nursing homes are funded and operated by the state. Nursing homes in first- and second-tier cities are in good condition but hard to find a place. Nursing homes in third-tier and lower cities have more problems due to financial and personnel management. Suitable for people to provide for the elderly.
The purpose of private nursing homes is to make money. They will provide corresponding services according to the cost. If you want to get high-quality services, you have to pay higher fees. The results can be imagined.
Fourth, there are many pension scams
On June 7, 2021, the China Banking and Insurance Regulatory Commission issued the " Regarding the risk reminder of "investment for pension" and "house for pension" financial fraud, remind everyone to be alert to these two kinds of pension scams.
Regarding "investment for the elderly", the other party may first instill relevant concepts in parks, communities and other places where the elderly gather, and then through visits, lectures, Means such as giving gifts to win the trust of the elderly, and then deceive.
Although the "house for the aged" method exists, the market has been deserted due to the property rights of houses, the uncertainty of the rise and fall of house prices, and the age and concept of the elderly. The fake "house for the aged" "It is to use the old man's house to directly mortgage the loan. As long as the other party runs away with the money, the money will basically not be recovered.
Faced with various pension dilemmas, people of all ages are beginning to care about pension issues. Some choose stocks to make money, and some buy houses and invest. Not to mention that stock trading is a high-risk thing. Now that the house price is so high, most people already need the power of the whole family to buy a house. How to buy multiple houses for investment? Even if you have the conditions to buy multiple properties for retirement investment, who can guarantee that the house will not depreciate after many years? Therefore, some people have taken a different approach, thinking about leaving the big city to live in a country with low living costs, good medical benefits, and a suitable climate environment. This has also given birth to a new term-
Some people choose to go to Portugal to provide for the elderly.
Portugal was selected as the most suitable country for elderly care in a number of selections: the BBC ranked it as one of the seven most suitable countries for elderly care in the world; the year 2020 announced by the US "International Life" magazine Portugal ranks first in the ranking of the most suitable countries for retirement.
There are many sunny days, long sunshine, and pleasant climate. The northern part has a temperate oceanic climate, and the southern part has a Mediterranean climate. The average temperature in summer is between 16-30℃ and the average temperature in winter is between 8-18℃ , Abundant sports, cheap and delicious food, and a well-developed and sound medical system have attracted countless people.
Many people stay here for retirement through Portugal's long-term residence visa, and do not need to buy a house or invest.
Some people choose to go to Thailand to provide for the elderly.
Thailand pension is actually not a new topic.
In the early years, many people in Europe, America, Japan, South Korea and other countries have begun to choose to apply for Thai retirement visas to live in Thailand. In recent years, as the cultural exchanges between China and Thailand have become closer and closer, more and more people have discovered the beauty of Thailand and joined the ranks of Thai pensioners by coincidence.
There is no winter in all seasons, the air is fresh and haze-free, and green plants and flowers can be seen everywhere on the road. Thailand is a diversified country with a high degree of people-friendliness, medical technology level comparable to developed countries and low prices. Thailand’s top medical institutions start at only about 1,000 yuan for medical examinations, and hospitalization and surgery costs are much lower than in developed countries. especiallyBecause of the low cost of living, these small cities in Chiang Mai are very suitable for people to provide for the elderly.
Someone chooses to go to New Zealand to provide for the elderly.
The vast majority of New Zealand has a maritime climate, with a mild climate throughout the year and plenty of sunshine. New Zealand ranks sixth in the world in the 2020 Global Retirement Index (Global Retirement Index) "Best Country for Aged Care". An equal pension system for everyone, no money for seeing a doctor, no money for taking public transportation, and other favorable policies have enabled the elderly living in New Zealand to provide for the elderly.
According to social surveys, people over 75 years old are the most happy group in New Zealand.
New Zealand has a unique permanent return visa. Generally speaking, there is no need to live after obtaining a visa. The visa has no immigration supervision restrictions and is permanently valid. When do you want to get there? Life can go again. Due to the similarity of many policies in Australia and New Zealand, obtaining New Zealand status is equivalent to obtaining Australian status and can freely enter and exit Australia.
People usually apply for this visa through skilled immigration or investment immigration when they are young, and wait until retirement to come here for retirement.
Overseas elderly care has shown us more ways of elderly care. Many overseas countries have pleasant climates, developed medical systems and low living costs, which are very suitable for people to provide elderly care. Therefore, in recent years, more and more young people have begun to plan overseas status for themselves and their parents, so that they can solve the problem of elderly care later.
Now that we return to the title of this article, why should we consider the issue of pension from now on?
1. Plan ahead and plan ahead
Let yourself have a happier old age. If you want to live an ideal old-age life, you must start now Planning, although we cannot predict the social development and changes in the next few decades, it is always right to plan ahead.
Two, lighten the burden for children
As the saying goes, parents love their children, and they have far-reaching plans. Thinking about old-age care is not only for yourself, but also for the children. With the progress and development of society, children will face various pressures, and what parents can do is not to drag the children down, and to reduce some burdens for their future lives.
So, how do you want to spend your retirement life? Are there any better suggestions?