Re: you are not willing to retire at the age of 65? A group of people are negotiating to delay to 70 years old?
for most people, they work hard when they are young to keep their assets and cash accumulating. After retirement, these wealth plus a monthly pension can guarantee a relaxed, carefree, late year. So, generally speaking, the days after retirement are the days of spending money.
but at present, the elderly in the United States do not dare to spend money. United Income, a financial software company, analyses the survey data of University of Michigan, showing that Americans over 60 years old spend an average of 2.5% per year, and 20% in 10 years. Matt Fellowes, chief executive of United Income, said that after adjusting inflation, the 80 - year - old American retirees are now more wealthy than they were at sixty or seventy.
other studies have found that wealthy American elderly people are saving money. In 2016, a study by Journal of Financial Planning found that the actual expenditure of the richest 1/5 retirees in the United States was 53% less than the level of security.
researchers have studied all the reasons why wealthy retirees are afraid to spend their money, including a strong desire to leave a legacy and fear of future medical needs. Fear of premature use of cash is a major motivation.
World Economic Forum: proposed to delay the retirement of
to deal with the possible future pension gap crisis. The world economic forum has proposed several proposals, including the revision of the retirement age to 70 years.
in fact, continuing to work after the retirement age is also a global trend. According to the statistics of the British employment and retirement security department, the number of people still working after 65 is two times as of 2015.
in China, delaying retirement is also a hot topic. In December 2015, the population and labor Green Book: China's population and labor issue report No.16, CO sponsored by the Institute of population and labor economics and the social sciences literature press, Chinese Academy of Social Sciences, was published. The green paper suggests that the retirement age should be gradually postponed in line with the principle of first merger, gradual implementation and flexible mechanism. Specific suggestions are as follows:
first, to achieve the pension system, the retirement age is classified as the two categories: the age of pension insurance for workers and the age of the residents' pension insurance; secondly,
, the retirement age reform scheme for workers' pension insurance is divided into two steps. The first step: when the pension system is completed in 2017, the identity difference between female and female workers is abolished, and the retirement age of women's pension insurance is 55 years old. Second step: from 2018, the retirement age of women is 1 years every 3 years, and the male retirement age is 1 years old every 6 years, until 65 years old in 2045.
again, the retirement age of resident endowment insurance has been delayed for 1 years every 3 years from 2033 until 2045.
I heard many people would not like to postpone retirement. However, the policy of delaying retirement has not been decided yet. In March 1st, at the news conference on the situation of employment and social security held by the state new office, Yin Yumin, Minister of human resources and social security, said:
the delay of retirement age policy is a major economic and social policy, involving the benefit of everyone. This policy has a very important role for the effective development and utilization of human resources and the sustainable development of pension insurance in the context of the aging of the population. But since this policy is directly related to the vital interests of everyone, we will be very cautious when we formulate policies.
in addition, the world economic forum also recommends that the government should introduce corresponding policies to encourage people to save money and help people realize how many retirement benefits they will receive in the future.