What is the freedom of providing for the aged?

Recently, the most discussed issue is about providing for the aged. Some time ago, a couple of post-80s Dinks in Shanghai saved 3 million yuan for early retirement, and the 30-year-old master resigned and saved 6.5438+0 million yuan to go to Yunnan to provide for the aged and boarded Baidu hot search, which once again aroused people's hot discussion on "freedom of providing for the aged".

According to the data published in the seventh census, it is not difficult to find that the population over 60 years old accounts for 18.7% of the total population, among which the elderly over 65 years old account for 13.5%, which indicates that China has entered a serious degree of population aging. The three-child policy, which was opened in August 2026, is facing the increasingly serious phenomenon of population aging, and 5438+0 is also taking corresponding measures. However, how to effectively solve and improve the problem of providing for the aged is still an urgent problem in our country.

With the advent of an aging society, providing for the aged has become a topic of general concern. While paying attention to high-quality pension, people also hope to realize "freedom of pension" as soon as possible.

So, how much does it cost to realize the freedom of old-age care? How much is it? How to achieve the purpose of providing for the aged through financial management tools?

In this regard, Li Hua, the manager of the "Flower Teacher Finance and Business Course", said in an interview with CBN that "there is no absolute standard answer suitable for everyone. Pension is a very personalized thing, and what kind of life everyone wants varies from person to person. You can't simply and rudely give a time point. There is not much money for providing for the aged, but it is more than a year. Freedom of providing for the aged does not depend on temporary passion, but on a long stream of water. "

In China, the common ways of providing for the aged should be classified according to the actual situation of the elderly. Generally speaking, there are two ways: one is to rely on retirement pension for work retirement, and the other is mainly social pension, which depends on the pension issued by the state to pay the living expenses after retirement; The other is family pension, which mainly includes relying on savings and children's pension.

First, the ways of providing for the aged are diversified.

1. Social security pension

As social people, we all have the most basic social security, especially the old-age social security.

All along, the performance of social security pension is gradually improving. 202 1, pension continues to rise 17. Relevant experts predict that pensions will rise on the existing basis in 2023, when more pensions will be received, which is undoubtedly good news for retirees.

The increase of social security pension is a measure for the country to actively deal with the aging population under great financial pressure, which ensures the high-quality development of society and promotes the sustainable development of society. The increase of pension can offset the adverse effects of inflation to some extent.

2. Personal savings of the elderly

According to the statistics of WHO, the average life expectancy in China has reached 77 years in 20021year. 202 1 When you retire at the age of 60, you have 17 years of retirement time.

If the elderly choose to retire at the age of 60, then 3000 yuan х 12 months х 17 = 6 12000 yuan, as long as they can save enough 6 12000 yuan, they can basically meet the living expenses of the two elderly people in their later years. If an old man takes 3000 yuan to support the elderly alone, the quality of life in his later years can be higher.

However, there are two disadvantages in relying on savings to support the elderly: one is inflation. Over the years, domestic prices have also increased significantly. Since the second half of last year, domestic prices of vegetables, fruits, eggs and meat have increased. Has been rising, making the cost of living for residents rise. In recent years, I may be able to support the elderly with a monthly income of 3000. Maybe in a few years, this money will not be enough for the elderly. Therefore, pension savings require price stability. If the price rises year by year, it will be difficult to achieve the goal of providing for the elderly in the end.

If it is a three-year certificate of deposit, the interest rate can reach 3.35%. As long as/kloc-0 1.0746 million yuan, the average monthly interest can be obtained stably. Of course, you can also deposit money in small and medium-sized banks, and the interest rate can reach 3.55%. As long as you deposit 10 14000 yuan, you can get interest of 3000 yuan every month.

The other is that if you encounter a major disease, you need to pay a lot of medical expenses, which is more troublesome. If there is no medical insurance now, the medical expenses for serious illness will be higher, ranging from tens of thousands of yuan to hundreds of thousands or even hundreds of thousands. In this case, pension savings need more money to protect. People with pensions are different. Usually, they get a pension every month. If they are seriously ill, they only need to bear a small part, and most of the medical expenses will be paid by the medical insurance department, which will reduce the pressure of seeing a doctor a lot.

The difference between urban and rural development and income shows that the problem of old-age care in rural areas is more serious, the living standard and deposit income are not at the same level, and the amount of old-age deposits cannot be carried out as mentioned above. How to ensure the normal living standard of the elderly in rural areas is also a difficult problem to be overcome.

3. Children's pension

How to care for the left-behind elderly and how to treat the elderly in the elderly apartment. Different from providing for the elderly in cities, many elderly people in rural areas have no retirement pension, and there is no fixed limit on their retirement years. So how much money can ordinary rural elderly save to ensure a sense of security?

Most elderly people in rural areas rely on their children to provide for the elderly. In the traditional culture of China, the idea of raising children to prevent old age is deeply rooted. Nowadays, the general situation in rural areas is that young people who have the ability go out to work to earn money, and the elderly help to look after their children at home. This has formed a social phenomenon of left-behind elderly people and children. If the elderly want to lighten the burden on their children, they still have to earn some hard money to maintain their basic life. Old people with good conditions may choose to live in apartments for the elderly, but the frequent problems in apartments for the elderly also increase the difficulty of providing for the elderly.

Second, the freedom of providing for the aged should be dynamically combined.

In order to have a better retirement life, it is far from enough to rely on social security to support the elderly, and the supplement of commercial pension is essential. We can construct his pension fund portfolio through the method of large-scale asset allocation.

The greatest value of a pension is that it will give you money until you can't get it out. Although the CBRC lowered the maximum predetermined interest rate of annuity insurance before, it did not require the existing annuity insurance to stop selling.

In the final analysis, pension is still an asset allocation, which should be considered according to the actual situation in the end, but it is still a good choice to make plans early and prepare well. The first step of pension planning is to make pension cash flow.

"The funds used for old-age care should be dynamically adjusted with changing factors such as age and market. Only in this way, we are not afraid of shrinking pensions, and we will not let the quality of retirement life decline. " Li Hua said.

She suggested that we should first make a good choice of pension planning tools. The planning portfolio of pension funds needs to include the following four tools and methods. The first kind of tools are medical insurance, critical illness insurance, etc., the second kind of tools are savings insurance such as annuity insurance and life extension, the third kind of tools are fixed-income financial products, and the fourth kind is to construct pension fund portfolio by using asset allocation method.

Then there is the choice of pension reserve and demand. If the amount of funds is limited, it can be allocated in the above order. First allocate insurance, then make investment, first cover risks, and then add icing on the cake; If the amount of funds is large, it is necessary to carry out asset allocation planning to avoid asset shrinkage or huge fluctuations; If you have just entered the stage of providing for the aged, you can still find some suitable medical insurance and annuity insurance in the market to cover future risks.

It is an indisputable fact that everyone will grow old, but how to live in old age and whether you can live a full and dignified life depends on today's decision.

I hope that each of us can have a sense of security and support for the elderly and enjoy a free and happy old age.

# Pensions #

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Do you think it is reasonable to raise the pension for retirees?

7. 1k people express their views

reasonable

unreasonable

word

I think it is reasonable, because endowment insurance is a long-term thing now, and there are still retirees in many cities who can continue to participate in social insurance, so there is no problem.

straight

Reasonable, prices are rising, and not rising means a decline in living standards.

search

Farmers only get more than |00 yuan in January.

search

The key is that the pension increase for retired employees of enterprises is correct!

beautiful

The imbalance gap is too big.

oneself

1. When you were on the job, you made a great contribution, just like a tax adjustment. You deserve more social security, but not too much. What about people who earn less money? Because the income is low, the income is not plentiful, and the social security is less. 2, retired, people don't pay, you should get the same amount of pension. 3. People with high incomes think it is unreasonable. If you feel unreasonable, you can buy more commercial insurance with income. In this way, everything is balanced. Earn more when you work, and earn more when you retire.

search

Now that pensions are merged, it is an orbit to re-implement the pensions of retirees from government institutions and enterprises according to a calculation standard, otherwise the merger will be a false proposition.

harm

Providing for the aged is providing for the aged, not raising a small family with money. Do old farmers provide for the aged more than 100 every month?

individual

Now that the price level is so high, a few hundred and one thousand dollars is enough to buy things. Don't look at people yet! I caught someone right under my nose! Can people survive or not? Farmers, especially those who need to provide for the aged, find it hard to ask what money is! Call life involuntary.

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Farmers' pensions are too low.

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