A few days ago, I studied "Pension Risks and Pension Planning" shared by Professor Hu, a doctor of management in Tsinghua University, and I got some insights.

With the development of economy, people's life expectancy is prolonged, but the birth rate is declining.

Aging is getting heavier and heavier, and the seventh population census has verified the aging trend.

Birth rate is decreasing, death rate is decreasing, but life expectancy is increasing. After 8, 9 and , people will live longer and longer.

After that, the resources for providing for the aged may be very tight. If nothing else, the social security pension will be more and more tense.

Because the social security pension is a pay-as-you-go system, now the working people pay, and now the retired people get the money.

To put it bluntly, the young people pay for the old flowers.

In the past, there were more young people and fewer old people, so there was no problem in doing so, so we shared it. By 25, one out of every three people will be born in the 195s, relying on the government pension, employee welfare and children's support, and they only need to prepare 5% of their savings to support the elderly, and they can also rely on these, but their savings will rise to about 2% before they can support the elderly

. How much can I get from social security?

It is estimated that I can't get much. I have to extend my retirement, and I can retire early only by saving more.

That's why the country has changed from a two-child policy to a three-child policy, launched a delayed retirement plan, developed a silver-haired economy and promoted the development of the old-age care industry ...

The country is also in a hurry.

After retirement, income may drop significantly, but consumption will not, and living expenses will cost money.

It is particularly important to smoothly transfer the money earned for a while to spend it for a lifetime.

If assets are not properly allocated, retirement will become the biggest and longest debt in life.

Nowadays, ordinary people, real estate accounts for 55% of their wealth.

There's a joke: Only houses are left, and people who eat only a dozen dollars have a serious decline in quality of life and happiness index.

The proportion of real estate in GDP is too high, which is unreasonable.

The proportion of physical assets is too high, while the proportion of financial assets is too low, so the state should adjust the asset allocation of ordinary people now.

There is something wrong with the proportion of insurance and pension in China, which is far behind the allocation in developed countries.

Last year, the average social security income was less than 3, yuan, which is 4% of the current average salary.

Social security only emphasizes coverage and fairness. If you want to have a better old-age life, you can only rely on yourself.

Therefore, the country is emphasizing the development of the third pillar of old-age care at all economic and financial conferences, calling on the people to allocate commercial pension

The sooner they do it, the better it will be, and the sooner they do it, the easier it will be. This is a friend who grasps the time value of money

prepares young, has a long time, and makes time. Through compound interest, he will get more and get more, and he will be ready easily

. There is no trick, that is, to make good use of time.

Everyone spends a minute like this,

Your time is spent, and his time is spent, but time is not necessarily fair to everyone.

It is the same as the fixed investment of the fund.

The person who has made a plan has a positive value-added time, and time is a very good gift for him.

Longevity may make retirement endless

There are many "silver-haired groups" in Japan who are still working

And the best and easiest way to deal with longevity risk is annuity insurance, which is a lifetime cash flow

This is a feeling shared by Professor Hu, and I will share it with you from macro to specific situation.