Brothers and sisters born after 70, I allow you to look at the gate of 10 first. When I can't do manual labor after 80s, we will compete with you to watch the gate.
It is easy to get frustrated when discussing this topic in the past two years, because the economic situation seems good, but the people earn less and less, small businesses are not easy to do, and big projects are not rewarded.
During my ten years of freedom, I worked hard to support myself, but I learned a painful lesson. We can no longer live on our laurels. Why should we let the only child take on our old-age care in today's high housing prices?
Alas! I hope that the issue of providing for the aged can attract real attention, not just stay in slogans and dogmas.
Brothers and sisters of 70, if you have good ideas, remember to inform our brothers and sisters born after 80 that we are old.
thank you
The country played a big joke on the post-70 s. When I was in primary school, universities didn't need money. In college, primary schools don't need money; When there is no work, assign work; When you can work, you have to find a job; When you don't make money, the house is allocated. When you can make money, you find that you can't afford a house and a wife. When I want to have a second child, I say I want to have family planning, and I can still have children after I let go of the second child. I'm retiring. You said you would postpone retirement.
Now the post-70s are over 500 years old, from planned economy to market economy. In just a few decades, it has developed so fast that most people after 70 have never received higher education. A little behind the times. It is also slow to accept new things, but the society is changing with each passing day, and the post-70s are a little overwhelmed. Looking back, it's all your people, and you have no one to rely on. Parents need to be taken care of, and children are not adults.
After 70, he participated in and witnessed the prosperity of the country. I have experienced the indifference of the world, tasted all kinds of tastes of life, and experienced too many joys and sorrows. The burden on my shoulders is still heavy. Although I am not in my prime, I still have to work hard for my family. Prepare for your future.
The generation after 70. It's time for family planning. Every family has one child. With the continuous improvement of living standards and medical and health conditions, the average life expectancy is getting higher and higher. In the future, children in each family may have to face four, six or even more elderly people. Even with economic strength, energy is not enough. They want to work and realize their life value. Take care of your own children.
Therefore, we should rely on ourselves to provide for the aged, and adopt new modes of providing for the aged, such as self-help, mutual assistance and community support. With the progress of society, there will be a new mode of providing for the aged. After 70, you should take care of yourself, strengthen physical exercise, and don't burden your children. When we are old, we can find something meaningful to do, and our spirit will be happy and our health will be good.
Although it is not easy for us after 70, we should be proud, because we have experienced difficult years, a happy childhood and are proud of our efforts for our family.
The oldest 70-year-old is close to 50 years old, and it is not too early to start thinking about providing for the elderly at the age of 40-50. What should we do for the elderly after 70?
After 70, most people are not only children, they only have one child. It is their mission to support their parents, but they don't place their hopes on their children. Because, we already know that it is unrealistic to rely on one child to provide for the elderly. Everyone who has experienced it knows that three children can't take care of their parents during their old illness. How can you rely on a child? What's more, children have to work and take care of the next generation. Therefore, after 70, I am old, and I would rather suffer myself than let my children suffer.
Most farmers have not participated in social endowment insurance, and they can only get a small amount of pension when they are old, so it is difficult to rely on social overall security economically. People who have jobs or pay their own old-age insurance can receive a certain pension when they are old and have certain economic security. The premise is that the labor force must keep up. At present, the pension for the elderly is paid by the post-70s employees. When they get the pension, according to the research results of China Academy of Social Sciences, the population window period has passed and the dependency ratio has reached 1: 1, so there will be a serious gap in the pension.
After 70, you can only rely on your own pension, at least for now.
First of all, don't spoil your body. Good health is the best way to provide for the aged. In this way, you can not only rely on yourself, but also take care of others. At the age of 80, there are still many people who take care of themselves and even their families. I have a relative, an 89-year-old rural woman, who takes care of an 87-year-old man. The old man has been half paralyzed in bed for more than ten years, and her care for him is really amazing.
Secondly, don't give all your money to your children. When you can work, buy yourself an old-age insurance, which is the basic economic guarantee for people when they are old. Then buy yourself an accident insurance. Such disaster medical insurance is not reimbursed and can only be guaranteed by insurance. Then save some private money, ranging from tens of thousands to hundreds of thousands to millions, depending on your financial ability. This is an emergency fund for the elderly.
Third, be kind to your partner. Practice has proved that the most reliable way to take care of each other when people are old is their wives, just like my relatives in front, who have taken care of their paralyzed wives for more than ten years. This kind of care, in addition to parents, I am afraid that only a caring wife can do it.
Raising children and preventing old age has always been our traditional mode of providing for the elderly. Traditional family factors also include the idea of having more children to change the fate of the whole family.
However, with the gradual emergence of the one-child effect, the economic and social consumption level is getting higher and higher, and people's burden in cultivating children is getting heavier and heavier. However, the children born after 70, who used to have a low cost of raising, are gradually getting married now. If the children are excellent, earn tens of thousands of dollars a month or start their own businesses, as long as the family relationship is good, parents will definitely have nothing to worry about after retirement.
But there are many uncertainties. After all, not all children are excellent. According to our tradition, parents usually buy houses for their children. Nowadays, housing prices in first-and second-tier cities are getting more and more expensive, and more and more parents can't afford to buy a house, and they can't even make up the down payment. However, many post-70s still pin their hopes on their children.
In recent years, with the rapid development of economy and society, everyone's income is getting higher and higher. We have nothing to worry about, and we are only one step away from a well-off society in an all-round way. Due to the past one-child policy, people don't have many children, and many post-70s still have some pension savings.
China is known as the country that likes saving the most, and its saving rate has always been high. For the savings after old age, we should focus on steady growth and resolutely avoid the loss of investment. The main investments are medium and long-term treasury bonds, time deposits and certificates of deposit. At present, the yields of savings bonds are 4% and 4.27%, and the interest rates of deposits and certificates of deposit are basically between 3.85% and 4.26%.
When you get old, you should not only provide old-age security, but also consider medical risks. Generally, it is necessary to save enough money for 20 to 30 years as a pension reserve fund.
However, the pressure of depreciation of savings and pension currency is very great. In 20 18 years, the average wage growth rate in China was 8.3%~ 1 1%. If the interest rate is only 4%~4.27%, it is equivalent to depreciation of 4%~7% every year.
So many people like to invest in non-real estate pension. After 70, there are still inherent advantages in investing in real estate and providing for the aged. After all, the house price has not been so high in recent years, and after entering the end of the living labor force, my savings are also very large. Of course, the post-90 s young people who have just set foot on their jobs can't be compared with the post-70 s.
The main benefit of investing in real estate is to collect rent. Some people say that the rent-to-house ratio in many places is 1:70 or even 1: 100. But the rent rises according to people's income level, which can be said to be linked to wages. As the house price is already very high, it is still difficult to determine whether the house price will rise. With the growth of time, rent is indeed a good pension income.
By the time the post-1970s generation started to work, China had basically established an old-age insurance system. Participate in old-age insurance and have a stable pension after retirement. According to our pension calculation formula, the pension benefits are overpaid.
If calculated according to the 30-year payment, assuming that the payment is made according to the average social wage, the pension when retiring in 2020 can also receive about 2,000 yuan.
The basic pension for retired workers is not fixed, but increases every year according to the growth of prices and wages of workers. According to the current pension adjustment model, the state will give extra care to low-and middle-income retirees, and there will be a certain proportion of preferential care in pension growth. The older you get, most areas will have old-age care after 70 years old. It can be said that with a pension, you don't have to worry about basic life.
In fact, in addition to pensions, you should also participate in medical insurance. The best choice is basic medical insurance for employees. After 20 to 30 years of retirement, you can enjoy basic medical insurance for employees without paying fees.
In a word, society is still very complicated. There are many ways to provide for the aged after 70, and it is best to combine the above methods.
Hello, landlord, the topic of providing for the aged can be said to be enduring. No matter who you are, you may have to consider the issue of providing for the aged. Of course, as a post-70 s group, it is quite special, because the post-60 s group is generally facing the problem of gradual retirement, so so far, the post-70 s group will gradually face a retirement problem. Personally, I think retirement after 70 should be implemented according to the existing retirement policy.
In other words, we will retire according to the normal legal retirement age, that is, men are over 60, women are over 50 or over 55. As long as you reach the statutory retirement age and the accumulated pension insurance period exceeds 15, you can retire normally and enjoy basic pension benefits. Therefore, the most important means for us to provide for the elderly is to insure ourselves with a basic old-age insurance, so that we can get a stable income, that is, pension benefits.
At the same time, in addition to the basic old-age insurance, I think it is necessary to participate in a medical insurance treatment. Those who participate in medical insurance can enjoy the retirement benefits of medical insurance. At this time, employees can also enjoy medical insurance reimbursement after retirement, and the reimbursement rate is even as high as 70%. Therefore, it can lay a very good foundation for reducing the economic burden brought by your medical treatment!
As a standard post-70s, I began to think about this problem two years ago, and I need to face the following problems in providing for the aged:
Considering the above possible risks, I made the following response: investing according to the age of receipt, which can be divided into 50 years old, 55 years old and 60 years old, and configuring health insurance.