What misunderstandings about elderly care should Chinese people pay attention to in 2020?

Chinese-style elderly care refers to various elderly care issues faced by the country and individuals as China enters an aging society.

By the end of 2008, the country's elderly population had increased to 169 million, and is now "running forward" with an average annual growth rate of nearly 10 million.

At present, the aging of my country's population continues to intensify. By the middle of this century, the elderly population will increase from one in nine people now to one in three people, and the "empty nest" trend of the elderly is becoming increasingly serious.

In recent years, with the rapid development of the Internet, the topic of elderly care has also caught up with the express train of technology. All parties expect that smart technology will bring new solutions to "elderly care" and allow smart devices to complete things that human beings cannot do.

Elderly care should also be planned as early as possible. It is unscientific to rely solely on children.

So what misunderstandings about elderly care do Chinese people need to be wary of?

Regarding income insurance issues such as pension education funds, I have just compiled relevant content. I hope it will be helpful to you: the latest list!

Ranking 1 of the eight high-yield education insurance insurances. Warning 1: Is it reliable to raise children to protect yourself in old age?

In Western countries, the recommended pension method is called the relay type: they are only responsible for raising their children. In their own old age, coupled with the welfare of their own social environment and the insurance products they purchase, they can basically take care of their own lives.

Children need to bear the burden.

Raising children for old age is a traditional concept in my country.

Many parents put all their life savings on their children, but they become a burden to their children when they grow old... 1. Problems such as 421 family structure are prominent. Under the family planning policy: low birth rates, 421 families and other problems are prominent.

A small child ends up supporting two parents, and then four elderly people.

One person has to raise 6 people. In this structure, let’s not talk about whether the children are filial or not. Even if they are filial, they may not be able to do so.

There is also the issue of longevity. Maybe when we need a pension at the age of 80, we will look at our children and they will also face the problem of pension.

Therefore, it is not scientific to rely on children to support the elderly.

2. What do the DINK crowd and the childless crowd rely on? A dozen years ago, this person was said to be unmarried at the age of 30. What would everyone think?

There may be something wrong with this person, so why not get married?

Later, when two people get married without having children, everyone will think, how can they not have children?

But in today's society, celibacy has become a term in a new era, and this group of people is getting bigger and bigger.

This is how society changes.

So, how can you support yourself in retirement if you are single?

2. Warning 2: Is social pension adequate?

Xiao Wang is born in the 1980s and is 30 years old this year. Assuming that he retires at the age of 60 (without considering delayed retirement), based on the average life expectancy of 80 years, Xiao Wang needs to prepare a pension for the 20 years after his retirement.

Assuming that the monthly basic living expenses after retirement are equivalent to the current purchasing power of 2,000 yuan, taking into account inflation and calculating at an inflation rate of 3%, more than 1 million yuan will need to be prepared in these 20 years.

If post-retirement medical expenses are taken into account, the pension cost is estimated to be 2 million.

1. We get old before we get rich. China’s pension dilemma does not mean that social security is not good, but that social pension alone cannot solve all the problems of pension life.

Nowadays, people are living longer and longer, causing many countries to enter an aging society.

The "many countries" here mainly refer to some developed countries, but China is still a developing country and has already entered the aging stage first - that is to say, people are facing the dilemma of getting old before they get rich.

2. Is social security with a replacement rate of 66% enough?

According to statistics from the Ministry of Human Resources and Social Security, in the past five years, my country's enterprise employee pension replacement rate (the ratio between the pension level and the pre-retirement salary income level) has remained at around 66%.

If factors such as increased medical expenses and inflation in old age are taken into account, basic pension insurance alone is still far from enough.

3. Warning 4: When the boat reaches the bridge, it will naturally go straight?

Many people will say: There are too many pressures in today’s life: monthly mortgage payments, car loans, raising children, etc. Therefore, there is no way to consider the issue of retirement now. We will wait until the bridge comes. Let’s talk about it then.

; There are also many people who think: There is no retirement plan now. Isn’t this how generations of people have come? I will have my own way when the time comes.

1. Are you stressed when you are young?

It’s not terrible to be under pressure when you’re young. What’s terrible is that you have no strength, ability, or solution when you’re old.

So, be prepared when you are young.

Then over time, it will become a fortune.

If you feel stressed today, you should prepare for the future.

2. I blame myself for not preparing earlier. There is a saying, three points are destined, seven points depend on hard work, and life is earned by oneself. If you want your future life to be good, you must have good thinking and good actions.

Your destiny is actually in your own hands.

4. Warning 3: Is it necessary to prepare too early?

We should live a better life now, and we will talk about old age later - a large number of young people may have this idea.