When the post 90s generation reaches the age of 80, what will their pension methods look like?

<> China's social security payment adopts pay-as-you-go. Your monthly pension insurance contribution will be used to pay for the retirement pension of the current elderly; Your pension depends on future social security contributions from people younger than you.

I ride a battery bike to buy groceries once every two to three days, make breakfast every morning, my son and wife get up at nine o'clock in the morning, eat breakfast at half past nine, and give my son an enema at 10 o'clock every day otherwise I won't be able to pull out the. From 2007 to the present, it has been insisted on for 13 years, and sometimes it is poured once in the afternoon.

Social insurance items include endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance. If the cumulative payment period is less than 15 years, the payment can be extended for a lump sum for 15 years, and if the payment is still less than 15 years after five years of extension, it can be paid in a lump sum.

For non-first-time insurers, if they still want to pay social security when they retire at the age of the law, they have not paid it, and there is no age limit.

If the employer does not sign a labor contract, it may demand double wages.

As long as the employer fails to sign a written labor contract with the employee for more than one month but less than one year, or the employer violates the regulations by not entering into an indefinite labor contract with the employee, the employee may request to be paid twice the monthly salary from the date of employment.

Young people born in the 80s and 90s have begun to face the pressure of having 2 young and 4 old, and how to provide for the elderly is really a problem in front of them. It is true that employee pension insurance is to participate, in addition to some ways to consider, such as commercial pension insurance, enterprise annuity and so on.

In fact, when it comes to planning, I think that establishing a cash flow equal to life is a truly effective pension financial plan. In layman's terms, the first is to purchase social endowment insurance. The benefit of it is that it can indeed build a cash flow of equal length to life.

Live to be old and receive old age, but the bad part is. If the policyholder dies early, it may not even be possible to get back the principal.

I think their pension method should be to travel around with insurance money, and now the post-90s generation basically has a financial management concept. So I should be able to take three or two old sisters to travel around and live this leisurely life.

The current post-90s single rate is very high, and the divorce rate is also very high, so I think the way they care for the elderly may go directly to the nursing home, because they have no descendants to take care of them.

Their way of caring for the elderly is to play games at home, or to invite friends to go out to eat.

When the post-90s reach the age of 80, I think their pension method will be spent in a nursing home or an apartment for the elderly, because the times are progressing, people's ideas are also changing, people used to think that when they are old, they must let their children support, but now many people feel that in fact, the home or apartment for the elderly is also a good choice, you can be with your peers every day, have a common language, and it can not affect the life of your children. And now the post-90s generation generally only has one child, and if they get married in the future, it is also a difficult thing to support the elderly on both sides.

Unlike the previous generation, it is a dangerous thing for the present generation to live to retire in a vague way.

How much money you need to save before retiring to maintain dignity varies from person to person. The international standard is that if the replacement rate is 70 to 85 percent, that is, the retirement benefit received is more than 70 percent of the salary before retirement, and there will be no significant drop in living standards.

Even though China's pension has risen for 18 consecutive years since the 21st century, the replacement rate of pension has been declining, reaching less than 50% in 2020. The Convention on Minimum Social Security Standards issued by the International Labour Organization points out that the 55 percent pension replacement rate is the warning line, and below 55 percent, the standard of living after retirement will drop severely.

In addition, as the number of elderly people to support and the number of young people who can collect taxes decrease, people's incomes are increasing year by year, and the replacement rate of pensions is likely to continue to fall.

So the question shifts to how much money do you have to prepare in addition to your pension? Fidelity International has proposed a "law for retirement and savings of gold":

Save enough to save 9 times your annual salary at that time. In other words, if you rely solely on wages, from the age of 25 onwards, 19 percent of your income will be used to save money every year. A more detailed plan is that at the age of 30, the amount of money saved must be twice the annual salary, at the age of 40 it is four times and at the age of 50 it is six times.

Therefore, the sooner pension savings begin, the easier it will be.

Of course, this 9 times argument is rather rude, but you can also calculate it according to your average monthly expenditure, combined with the growth rate and inflation rate. But with only one anchor, one concrete number, can make oneself more actively prepared.

How young people can save for retirement.

First of all, the financial resources of retirement need to depend on factors such as the individual's age, living habits and income level. Generally speaking, there are three aspects that should be achieved after accumulating pensions:

1. Have a certain amount of savings: Allocate as much as possible between one's own income and expenditure, save money on a regular basis, save a little every month, accumulate it step by step, and build up personal savings.

2. Pay attention to investment profits: Follow the financial market situation on a regular basis, flexibly select investment products according to the actual situation, effectively control investment profits, and accumulate a certain amount of wealth.

3. Participate more in old-age insurance: Actively participate in social and commercial old-age insurance, pay insurance premiums regularly, and obtain guaranteed old-age income.

Although with the continuous intensification of the aging population, the number of newborns is decreasing year by year, the pressure we are facing for the elderly will become heavier and heavier, in order to alleviate the pension pressure faced by the post-80s and post-90s in the future, the pension model has been introduced, but for the withdrawal of personal pension guarantees, I am not very optimistic about the steady profit and no loss.

Because any similar project will have a certain risk, it is impossible to achieve a steady profit without loss, referring to the sailor for the current post-80s and post-90s, if you want to really relieve your pension pressure should not only rely on this kind of pension, but should take advantage of your youth, as much as possible to reduce some unnecessary expenses in your life, as much as possible to let yourself have some savings, although their savings may face the pressure of inflation sedan car foundation, But at least I can make a good supplement and supplement to my pension in my old age.

This so-called personal pension is only a diversified pension attempt, or needs to be tested by practice, for the current post-80s and post-90s, if you take out a small part of the funds to try, perhaps we should remember a point, don't put all the eggs in the same basket, expect such a personal pension to make a steady profit, it is obviously unrealistic, work hard when you are young, and work hard to save money, This is the most effective means and the most correct direction to ensure that you can ensure your basic life when you are old in the future.

Considering that the post-90s generation is still relatively young and has not yet entered the old age stage, we can only speculate on what the post-90s life may be like from the existing trends and **Huijuezhou.

First of all, with the continuous advancement of medical and health technology, the life of the post-90s generation may be healthier, longer-lived, fulfilling and more colorful. They have more exposure to a healthy lifestyle and are more focused on diet, exercise and mindset balance, which reduces the risk of disease later in life. At the same time, with the development of science and technology, various high-tech medical equipment and Internet medical services can also better protect life and health.

Secondly, with the popularization and development of digital technology, the life of the post-90s generation may be more intelligent, convenient, comfortable and free. They can enjoy a variety of digital convenience services and automation devices, such as smart homes, smart wearable devices, wireless control, etc., so as to achieve a more free and convenient lifestyle.

In addition, with the development and progress of society, the elderly life of the post-90s generation may become more diverse, open and inclusive. They may pay more attention to the diversity and freedom of various dimensions such as society, culture, and environment, and hope to experience a more diverse life and have more freedom of choice and fulfillment.

Finally, we must clearly understand that the stage of old age is not fixed, it is closely related to personal health, lifestyle, environment and other factors, and involves more complex human, social, economic, political and other issues. Therefore, the old life of the post-90s generation may be very different from the existing old life, and there may be many new trends and changes. In addition to the aspects mentioned above, there are also the following factors that may have an impact on the life of the post-90s generation:

1.Socio-economic environment: The post-90s generation lives in an era of rapid change, and there will be various changes in the social and economic environment in the next few decades, which may have a positive or negative impact on the development of senior life.

2.Family and community support: Older people need the support and companionship of their families and communities, so the quality of life of the post-90s generation may be cared for and cared for by their loved ones and the community.

3.Culture and educational quality: In the information age, the post-90s generation is influenced by a more advanced education model and cultural environment, and unlike the older generation of the previous generation, they may have more extensive knowledge, multi-faceted interests and hobbies, and may also have different values and attitudes towards life.

To sum up, the old life of the post-90s generation may bring many new uncertainties and challenges, but with the development of science and technology and the transformation of the social environment, it will also bring them more possibilities and opportunities.

Around 2030, most post-90s generations have entered middle age, while some have entered old age. Based on demographic trends, life expectancy is expected to continue to increase, and as a result, the elderly population will increase. Some of the characteristics of old age in the future may include:

1.Better medical technology and better elderly care facilities: the future of medical technology will be more developed, and the elderly will have more choices, such as better ways and more advanced medicines.

2.More digital services: With the development of digital technology, it will be easier for older people to access various services, such as medical services, shopping services, and social services. Digital services will also provide better entertainment and cultural life for the elderly.

They may choose to continue working, traveling, studying, or participating in various social activities rather than being confined to their homes.

4.More social support and attention: As the elderly population increases, society will pay more attention to the life and health of the elderly. ** and social organizations will provide more support and attention to protect the rights and welfare of the elderly.

I can't ** the future, but based on history and existing trends, we can draw some possible scenarios:

Health status: With the development of medical technology, the health of the post-90s elderly may be better than that of the previous elderly. But it is also necessary to pay attention to maintaining a healthy lifestyle, such as exercising consistently, eating a healthy diet, etc.

Social dismantling and social life: With the development of social networks and digital technology, it may be easier for the post-90s elderly to keep in touch with friends and family.

Economic situation: The post-90s elderly may face higher pension and medical costs, and need to plan and save well in advance.

In conclusion, the post-90s generation may be more diverse and digital in their senior life, but they also need to pay attention to maintaining a healthy, active and purposeful life. Filial piety.

The post-90s generation is a generation born after China's reform and opening up, and their upbringing and values are different from those of previous generations. With the passage of time, the post-90s generation will also enter the stage of old age. Although it is not possible to ** the lifestyle of the post-90s generation at present, the possible trends can be analyzed from the following aspects.

1.Health-conscious: The post-90s generation focuses on health, environmental protection and sustainable development.

In old age, they may pay more attention to aspects such as healthy diet, physical activity, and mental health. They may actively join wellness social groups, such as yoga, fitness, hiking, etc., to meet their social needs through socializing and sharing.

2.Digitalization and intelligence: The post-90s generation is a digital native, accustomed to using smartphones, electronic devices, and the Internet for work, study, and entertainment.

This digital and intelligent lifestyle may also continue in old age. They are likely to make greater use of technology such as smart homes, telemedicine, and smart wearables to improve their quality of life and convenience.

3.Self-expression and diversity: The post-90s generation focuses on self-expression, independent thinking, and a diversified lifestyle.

They may still maintain this trait in old age and place more emphasis on experiential living. They may choose a variety of social activities, travel, study, etc., to broaden their cognitive scope and life experience.

4.Entrepreneurship and social participation in the elderly: The post-90s generation is a group that dares to try and innovate, and many creative and socially responsible entrepreneurs and volunteers may emerge in the old age.

They may contribute to the society through entrepreneurship, investment, community service, etc., and enjoy the recognition and respect of the society.

In summary, the lifestyle of the post-90s generation is likely to maintain the characteristics of their youth, including strong health awareness, high digitalization and intelligence, self-expression and diversity, elderly entrepreneurship and social participation. Of course, these are only possible trends, and the specific situation needs to be determined according to the future social, political, economic and cultural environment.