You don't want to retire at 65? A group of people are negotiating to delay to 70 years old?
nbd.com.cn
housing, education, medical care, pension, which is the four big mountains on modern people.
generally speaking, a family is very happy to solve these four problems; but as long as one of them is not well solved, it can lead to family financial risks.
5 on 26 May, a report released by the World Economic Forum (World Economic Forum) said that people born in 2017 to 100 years old is no longer a problem. But the question is, what about the older the older, the longer age?
imagine a male undergraduate who graduated 22 years old, retired at 60, and worked for 38 years; but his pension can be from 61 to 100 years old. As a result, the time for paying pension is shorter than that of pensions.
, therefore, the world economic forum's report warns that the world is "likely to face a historic pension crisis", and the way to deal with this potential crisis is to delay the retirement age of workers, reward savings in the service and adjust the pension system.
people born this year, live to 100 very normal
since the middle of twentieth Century, human life has begun to accelerate, and the average life will be extended for 1 years on average every 5 years. At this rate, the life expectancy of babies born this year will exceed 100 years, that is to say, most of them will see the 2117.
Japan is the country with the longest life expectancy. According to the human longevity data at University of California at Berkeley, half of the Japanese born in 2007 can live to 107 years old.
data source: University of California at Berkeley
in addition to life extension, low birth rate has further led to the aging of the world. Today, the number of people over the age of 65 is 600 million. By 2050, the number of people in this age group will reach 2 billion 100 million.
on one hand, human beings are growing longer and aging more and more seriously; but at the same time, half of the elderly have no pension, and in the present low return on investment and high cost of living, the human future will face the risk of pension.
generally, a person's retirement pension is mainly composed of several parts: the government level pension system; the enterprise level pension system; the individual deposit.
but, according to the world economic forum, 50% of the world's working population work in sectors and enterprises that are not too regular for the pension system; and 48% of the age of the age of the age are not available for retirement. In addition, the rate of return on long-term equity investment from 3% to 5% and the rate of return on long-term bond investment from 1% to 3% are lower than the historical average. In addition, more and more high prices have made it difficult for people to invest and save money and further deepen the pension crisis.
, therefore, the global pension (including government pension, enterprise annuity, personal investment, personal savings, etc.) gap is increasing. At present, the retirement age in most countries is between 60 and 70 years, and if people do not continue to work after the retirement age, the global pension gap will grow at a rate of 5% each year, and the gap will reach $400 trillion as of 2050. Among them, China and India, the two most populous countries, have the fastest growth rate, while the United States has the largest pension gap, which will reach $137 trillion by 2050.