In our country, the number of people has reached an astonishing 14400 million, and among them, the elderly group aged 60 and above has accounted for one-third of the country's population. This is not just a specific number, it is a symbol of the times, and the trend of aging has been surging like a tide.
In the current social context, some retirees rely on a meager pension for a living, while others rely on the support of their children, but there are also some who unfortunately fall into the dilemma of investing. Although their pensions range from a few tens to a few thousand dollars, these funds always seem to be a drop in the bucket in the face of soaring prices and increased medical needs.
Take Lao Liu's experience as an example, he chose to retire in 1986 due to health problems, and his pension at that time was only 91 yuan. After years of accumulation, his pension has now experienced a significant increase, totaling $4,080. However, in a big city like Beijing, such funds are mainly used to meet basic living needs, and there is hardly much left. When Wang retired in 1997, his pension was only more than 800 yuan, but now the amount is only about 3,900 yuan. For grassroots workers such as porters and sanitation workers, their pensions are often less than the average of 4,000 yuan.
However, the pension problem is only the tip of the iceberg, and what really makes retirees restless is the pension problem. With the spread of the "421" family structure, this means that a couple needs to be responsible for caring for four elderly people at the same time, and their responsibilities and burdens are becoming heavier and heavier. In addition, due to the impact of the one-child policy, many elderly people lack adequate family support, which makes the issue of old-age care more complex and urgent.
Nursing homes have become the go-to place for many elderly people.
62-year-old Wang Lao, although he has no children, he used the 320,000 yuan he has accumulated to successfully crowdfund a nursing home. However, he didn't expect the retirement facility to suddenly close down, causing all his savings to disappear in an instant. This tragic event is not isolated, according to data released by the Ministry of Public Security in 2022, 3There were 90,000 cases of defrauding the pension of the elderly, involving more than 30 billion yuan.
Choosing a quality nursing home will not only help relieve the financial and psychological pressure on your children, but also ensure the quality of life for the elderly. In such institutions, seniors not only receive professional care, but also interact with other seniors and develop their interests and hobbies. In this environment, the elderly are able to enjoy their old age with dignity.
Nowadays, China's pension service institutions have shown a diversified development direction. Whether it is the most basic affordable nursing home or a fully functional commercial elderly care center, from family care to community care, all kinds of elderly care services are readily available. This also shows that older people have a wider range of options when deciding on how to retire.
However, the steps to make your choice are not that simple. A good nursing home should have many requirements: the environment should be elegant, the services should be professional, the cost should be reasonable, and it must be safe. Older people must weigh their financial situation, health level and personal preferences when making choices. They have the right to make a choice by visiting older people in nursing homes, consulting with industry experts for advice.
For those who are already retired, while the big picture may have been determined, it's not too late. If you know and prepare early, it's never too late. In this age of aging population, everyone should be fully prepared for their future old age. Whether it's financial planning, the choice of a nursing home, or health management and spiritual life, every step needs to be carefully and meticulously planned.
The days of retirement are more like a beautiful dance song in old age, rather than an unavoidable sigh. Every retired employee should remain calm because they need to take practical actions to plan for their future life. Only in this way, when the light is quiet, when the sun is setting, can they spend their old age in peace in the haven they have carefully chosen. Retirement