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When we are in elementary school, we don’t need money to go to college; when we are going to college, we don’t need money to go to elementary school; when we have not been able to work, the work is also assigned; when we can work, we are smashed. I got a job for the starving people; when we couldn’t make money, the house was allocated; when we could make money, we found that the house was no longer able to buy...
Single seedling
The country advocates that a couple have only one child, so many people born in the 80s became the only seedlings!
the University
All universities began to charge fees, and the oldest born in the 80s was 17 years old and began to enter university campuses!
House slaves
National housing reform. House prices rose sharply in 2004, and the oldest born in the 80s was 24 years old. He entered the age group of getting married and buying a house and became the first generation of house slaves!
Second child
China implements a full-scale second child, 80 to 25 years old in the 35s, becoming the main force of birth!
Postpone
The delayed retirement schedule was officially announced. According to preliminary calculations, the post-80s generations have caught up again!
According to the traditional statistical caliber, China entered an aging society before 2000, a deep aging society in 2025, and a super aging society in 2035.All this has been properly caught up by the post-80s generation!
1Increasing population aging
According to estimates, our country’s current population of elderly people over 60 has reached 14.9%, will reach 2020% by 19.3, and will reach 2050% by 38.6. In this process, the absolute number of working-age population is declining.
2Dependency ratio dropped sharply
目前，職工養老保險的撫養比是3.04：1，也就是3個人養1個人，到了2020年將下降到2.94：1，到2050年將下降到1.3：1，相當於一個人供養一個老人。
3Annual pension insurance contribution deficit
According to data released by the Ministry of Finance last year, in the basic pension insurance fund for enterprise employees, excluding income from financial subsidies, in 2014, the basic pension insurance premium income was 18726 billion yuan; the basic pension expenditure was 19045 billion yuan, and the balance was equal to A negative 319 billion yuan.The employee pension insurance has suffered an annual contribution deficit after the establishment of the social security system for many years, and the sustainability of the pension insurance has been greatly challenged.
4Pension reserves are only enough to spend 10 years
The survey shows that most respondents expect to accumulate an average personal financial goal of 198 million yuan in retirement, while the current total current assets of their families average 132 million yuan, which is a big gap.Even one-third of the retired respondents admitted that the current pension reserve can only continue to live in retirement for 1 years.
The living expenses after retirement will be reduced by a certain amount, but the relative medical and travel expenses will also increase. Therefore, the expenses after retirement will be about 70%-80% of that before retirement.Take, for example, a person born in 1985 living in a first-tier city:
145% ：
According to statistics, the replacement rate target of my country's pension is about 45%.In other words, the amount of pension that employees of non-state agencies and institutions can receive after retirement is basically only 45% of their income at work.
216.61:
The global retirement life survey data released by HSBC shows that an average annual family retirement income of about 16.61 yuan is needed to ensure a comfortable retirement life.
335 years old:
According to the requirements and calculations of financial planners, the common practice in the world is to implement one's own retirement plan at the age of 35 at the latest.
If young people only rely on the national social security plan in the future, they can only get the most basic protection.The first batch of post-80s has passed the 35-year-old "mark".If you want to achieve a higher-quality "ideal retirement", you need to plan ahead as soon as possible and start scientific planning in various fields such as investment, financial management, insurance, and so on.For specific feasibility, please refer to the following table:
Although the pension issue cannot be ignored, insurance planning must be done step by step.For the young and middle-aged generation born in the 80s, their own pension risks are only a major issue that is coming.Accidents, health and family burdens are also imminent. Post-80s insurance can be bought like this:
Guarantee firstNow is the guarantee of the future
80Later, as the "pillar" of the new generation of families, insurance applicants should first construct comprehensive insurance protection for themselves, and first consider high-protection products.In terms of specific insurance options: accidental injury insurance, health insurance, and term life insurance provide relatively high protection, which can be considered first.Without worries, we can work harder and prepare for future stress.
First choice for healthThe body is the capital of hard work
Considering that the incidence of major diseases has increased in recent years, and the cost of treating major diseases has become higher and higher, when choosing health insurance, you can give priority to the configuration of critical illness insurance to avoid financial blows that may be risky in advance.On the basis of configuring high-security products such as accident insurance and health insurance, consider supplementing the purchase of commercial endowment insurance as needed.
5 years of living expenses plus the amount of liabilities (such as housing loans, etc.), minus the existing liquid assets:
The amount of premiums = annual living expenses × 5 + the amount of existing liabilities-existing liquid assets.
Part of the data: "20-year pension expenditure will cost nearly 290 million yuan, early planning for the post-80s pension" Financial Weekly
