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30年后,如何才能做到老有所依?这个问题媒体经常提及,我们也常常问自己。中国社科院最新的数据显示,算上通货膨胀因素,目前年消费5万元的家庭,养老需要350万元。5万元的家庭生活水准不算高,而最后的数字则令人心跳加剧。另有报道显示,中国正从人口红利期步入人口负债期。这意味着人口在加速地变老。到2030年,上海将有40%的居民是老人——再不可能仰仗社保退休金,国家基本养老金只能实现个人收入替代率的30%左右,缺口只会变大;也不可能指望孩子,在4-2-1家庭结构下,未来一对夫妇的终极供养人口是12个,必然是心有余而力不足。规划自己的养老问题,是对自己,也是对后代的责任。我们又应该拿什么保障老去之后的财务生活?商业型养老保险、基金定投、黄金、房产,这些长期理财产品30年后能够带给我们怎样的保障?
After 30 years, how can we do this? The media often mentioned that we also often ask ourselves. According to the latest data from the Chinese Academy of Social Sciences, accounting for the inflationary factor, the current annual consumption of 50,000 yuan for families, pension needs 3.5 million yuan. The standard living standard of $ 50,000 is not high, but the final figure is a heartbeat. Another report shows that China is entering the demographic period from the demographic dividend period. This means that the population is aging at an accelerated pace. By 2030, 40% of residents in Shanghai will be elderly - and can no longer rely on social security pensions. The state basic pensions can only achieve about 30% of the personal income replacement rate. The gap will only increase. It is also impossible to count on children, Under the 4-2-1 family structure, the ultimate dependency of the future couple is 12, which is bound to be inadequate. The planning of one’s own pension problem is a responsibility to oneself as well as one to future generations. What should we take to protect the financial life after we get old? Commercial endowment insurance, fund set to vote, gold, real estate, these long-term wealth management products 30 years to bring us what kind of protection?