Re:, "we will live to be 100 years old". Who will feed us?

Another challenge is that most people lack sufficient financial skills. Not to say that the relevant professional skills are difficult to get through training, and the whole life cycle of financial planning is too long, the overwhelming majority of people's rationality and patience are difficult to support regular, long-term financial arrangements. And there are data showing that the phenomenon is becoming more and more severe, for example, the overall world savings rate is decreasing, and as usual, it is a reasonable retirement plan to save the annual income of 10%~15%, but many people are less than 5% or even more and more "Moonlight". In addition, studies show that the less low-income people, the less they will arrange their future. Therefore, it is often forced to be forced by the state. Whether a country can design retirement and pension system can be very important for the development of a country.

2050 will have a $400 trillion pension gap in the world, and this issue must be seriously attached to

in the world economic forum's report, the current retirement pension system in various countries is far from the "prolonged human life cycle". The report says that over the next 30 years, the prolongation of the human life cycle plus disappointing investment gains will leave a $400 trillion gap in the global pension - the pension gap is expected to be $70 trillion in 2015, the biggest gap in the United States. The global pension gap will reach US $400 trillion in 2050, based on the projected annual growth of 5% in the pension gap. This means that there will be an additional deficit of $28 billion per day in the global pension account. This is a pretty horror number. Michael Drexler, head of the financial and infrastructure system at the world economic forum, said: "we are indeed at a turning point. At present, the shortage of pension funds is the climate change in the social system, meaning that we still have time to remedy it now. But if we don't do this, 20 or 30 years later, the whole society will find this a huge problem.

to solve the problem, the world economic forum report gave some preliminary suggestions, such as reviewing the retirement age, increasing financial skills training, increasing the transparency of the social security program, and so on,

but in accordance with this report, there is no innovative way to solve this problem. The recommendations are from the world already. There is a way to integrate. For example, the report thinks that the provident fund system in Singapore rarely evade the drawbacks of the existing system and is sustainable. The report also believes that Singapore rehired senior employees rather than forcing them to raise their retirement years, and it is also worth learning from other countries.

the greatest significance of the report is a warning that how to deal with the pension problem in the case of a large increase in life expectancy is a matter of serious consideration to policymakers and everyone in the world.