Because each family's situation is different, no one seems to have given a specific figure on how much money is needed to provide for the elderly. Our current pension adopts a pay-as-you-go model, that is, the social insurance 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 age increases , We will spend more on medical inspections, medicines and nursing care, and even some people will suffer from expensive diseases. This amount is unaffordable for many ordinary people. 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, and now they have gradually entered the age of standing and standing. 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 stayed in first-tier cities after graduating from graduate school. Both his parents live in his hometown. As a highly motivated person, Zhang San’s goal is to buy a small apartment in a working city within five years. However, the plan cannot keep up with the changes. His mother became a vegetative in a car accident. Zhang San’s funds 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 with all her 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 finish 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 profits. They will provide corresponding services according to the cost. If you want to obtain 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 "Risk Tips for Financial Fraud" reminds everyone to be alert to these two types 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 , Then through visits, lectures, gifts and other means to win the trust of the elderly, and then deceive.
Although the "house for the elderly" method exists, the market has always been deserted due to the property rights of houses, the uncertainty of the rise and fall of housing prices, and the age and concept of the elderly. The counterfeit "house for the elderly" "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 is basically not recovered.
Faced with various pension difficulties, people of all ages have begun to care about pension issues. Some people choose to make money from stocks, while others 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- overseas pension.
Someone chooses to go to Portugal for retirement.
Portugal was selected as the most suitable country for elderly care in a number of selections: 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 north is a temperate maritime climate, and the south is 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.
Someone chooses 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, Korea and other countries have begun to choose to apply for Thai retirement visas to provide pensions 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. Especially small cities like Chiang Mai are very suitable for people to provide for the elderly because of their low cost of living.
Someone chooses to go to New Zealand for retirement.
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 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 be 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 immigrants or investment immigrants when they are young, and wait until retirement to come here for retirement.
Overseas pensions have shown us more ways to provide for the elderly. Many overseas countries have pleasant climates, developed medical systems and low living costs, which are very suitable for people to provide for the elderly. 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 pension issues 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 foresee the social development and changes in the next few decades, it is always right to take precautions.
2. Reduce the burden for children
As the saying goes, parents love their children, but the plan is far-reaching. Consider raisingBeing old is not only for yourself, but also for 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?
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