Previously, a popular modern family life drama " is very good ", tells the story of the Su family's three brothers and sisters with the sudden death of their mother, facing the choice of their father’s retirement placement And attitude. This drama focuses on the current hot issue of elderly care.
There are currently 176 million only children in China. A survey conducted by the China Youth Daily in 2018 showed that nearly 90% of the young people interviewed are concerned about the issue of elderly care. Dare to be sick and not to die, because my parents are only me."
Of course, longevity is a blessing for most people, but longevity also brings a series of headaches to people. Problems, such as how to enjoy the old-age life comfortably.
Everyone has a completely different answer to the retirement life in the future. Positive people say that after retirement, they will travel the world with their loved ones and spend the rest of their lives experiencing life to their fullest. Negative people say that when they are old, they will replace the big house with a small apartment and live a quiet life.
However, although the choices are different, without exception, everyone wants to be "healthy and financially prosperous." No one wants to continue running for money after retirement.
So when it comes to old-age care, many people’s first reaction is "I have a pension." However, as our country has entered an aging society, there are more and more retirees, and with inflation and rising prices , It is difficult to support future retirement life with only a social security.
Therefore, for most people, their income after retirement is reduced, and if they want to achieve the same quality of life as before retirement, they can only rely on child support or pre-retirement pension funds.
However, with the development of the economy and the aging of the population, the pressure on the younger generations is increasing. It is expected that in 30 years, a young person will raise an elderly person, "raising children and protecting old age." No longer adapt to the current status quo of pension.
According to the traditional Chinese habits, in human financial planning, many people pay attention to the planning and education of their children, and short-term financial goal planning, but often ignore their own pension planning, this phenomenon is worthy of vigilance.
According to the United Nations and World Bank 's prevailing standards: If a country’s population over 60 years old reaches 10%, or the population over 65 years old reaches 7%, it can be considered that the country has entered an aging society.
At present, some media reports disclosed: "The proportion of people over 60 years old in China has reached 11.12%. In 2001, the proportion of people over 65 years old reached 7%. The current age population in China is 132 million, accounting for the actual aging population. One-fifth of the total, accounting for one-half of Asia’s aging population. It is the country with the largest aging population in the world.”
In fact, entering an aging country means that the overall number of elderly people is increasing. , The demand for social security is also increasing. The salient features of China’s current social security system are wide coverage, low security, and the coverage rate will become higher and higher. Therefore, it is difficult to rely on the national social security system alone. Meet more and more elderly care needs, even the most basic living needs.
Therefore, only by planning ahead and making good capital reserves can we truly enjoy the old age.
So how much money is needed to provide for the elderly?
Let’s suppose you retire at the age of 60,Live to be 80 years old. The prerequisite is that the garage is worry-free, and there is no need to pay the children's tuition and living expenses.
If you are now 30 years old, the current monthly living expenses are 4000 yuan. Retire at 60 and live for another 20 years after retirement. Based on the 4% increase in prices per year, the living expenses we need after retirement should look like this:
At the age of 60, the monthly living expenses of the husband and wife = 4000*(1+4%)^30=12973 yuan.
The total cost of living for another 20 years after retirement=12973*12* (1+4%)^20=4.88 million yuan.
Due to old age, more or less will face some diseases, so medical expenses may increase.
is calculated on the basis of 10,000 per person per year. The total number of couples in the 20 years from 60 to 80 years old: 10,000*2*20=400,000.
Two people total: 4.82 million + 400,000 = 5.22 million, and the per capita need is 2.61 million. This is just to meet the most basic survival needs.
If you want to live a more comfortable life, such as eating more delicately, dressing better, friendship, travel, and the quality of life will not be lower than before retirement.
The sum of these amounts is almost the same as the monthly living expenses, calculated at the current 4,000 yuan per month for two persons: nearly 50,000 yuan a year.
According to the price of 30 years later, these two people need more than 100,000 yuan each year for these expenditures, 20 years need 2 million yuan, per capita 1 million yuan!
count,For this kind of normal retirement life, one person needs 3.61 million yuan!
Change to another angle and see how much pension is needed?
public nursing homes: about 2000-4000 per month, the number of beds is limited, and it may not be in line for a few years.
Private nursing home: bed fee + meal fee + nursing fee, starting at 6000 yuan, medical expenses are extra.
Senior care apartment with international cooperation background: equipped with hospital, 36 square meters standard room, self-care over 6000 per month, semi-self-care over 10000 per month, no meals; if special care is required, there are other types of room options , Up to more than 20,000 yuan.
Home care : If the elderly cannot take care of themselves, please ask a caregiver. The cost is about 5000-20000. The caregiver mainly accompanies the elderly, massages and feeds medicine, assists in defecation, and pushes the wheelchair out for a walk; and if the family is busy with work, Ask another hourly worker to buy vegetables, cook, wash and mop the floor, at least an additional 3,000 yuan or more.
Of course, with the promulgation of the three-child policy, the problem of declining birthrate in our country has also been exposed from the side.
and my country’s population structure presents an age-inverted pyramid . After the distribution, labor supply and social vitality will decline, economic operations will stall, ordinary people’s lives will be more difficult, and elderly care will follow. The harder it is!
Take the only child born in the 80s and 90s as an example,A family with two young people will support 4 old people, and with the advent of the age of longevity, 6-8 old people may be supported, and the care of the young people is like a few big mountains!
How should investors establish an effective personal pension system?
Investors can build a robust investment portfolio and invest part of their assets in pension plans. Investors can spend 10-30 years to invest funds into the fund regularly, through long-term investment, to share the capital market and time compound interest income. And in the retirement life about 30 years after retirement, this kind of investment in the reservoir is an effective tool to deal with the problem of retirement.
can also build conservative investment portfolio-savings
Generally speaking, most people’s savings are between 30 and 50 years old. During this period of time, there is a stable and abundant cash flow, then the most insurable saving method can help investors achieve their retirement goals and complete retirement planning.
Indeed, no old-age planning method is 100% perfect, but if investors can consider old-age planning earlier and take action earlier, the old-age problem will be solved earlier.
read this,What do you think of the status quo of elderly care? Welcome to leave a message below~
(little orange)
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