Pension withdrawn soon after it arrives? Experts interpret the reason, only two words to break the sky
The issue of pension has always been a matter of great concern in our lives. As society ages, more and more people are beginning to value their retirement. However, in recent years, a strange phenomenon has emerged: some elderly people go directly to withdraw money after receiving their pensions. This phenomenon has puzzled many people, and some people have even begun to question the rationality of the pension system. So, why is this happening? Experts believe that the reason is simple, there are only two words: trust.
We should make it clear that pension is a social security system established by the state to ensure the life of the elderly. Its purpose is to allow the elderly to have a stable life after retirement, so as to achieve the purpose of providing for the elderly and relying on the elderly. Therefore, in theory, the elderly should save their pension for a rainy day.
However, this is not the case. Many elderly people choose to withdraw their pension immediately after receiving it. Why is that?
On the one hand, it has to do with our traditional culture. In China, many people have"Plan ahead"mind, accustomed to preparing in advance in case of emergency. As a result, when they receive their pensions, they often withdraw them only in an emergency.
On the other hand, it is also related to our financial environment. Our financial markets have evolved rapidly in recent decades, but there are also many risks. Therefore, many elderly people lack confidence in investment and financial management, and prefer to keep their money in their own hands so that they can control it at any time.
There are also some elderly people who choose to withdraw their pensions out of necessity. For example, some seniors may need to pay for medical bills or buy basic necessities. In this case, they have no choice but to withdraw their pension to meet their needs.
Whatever the reason, this behavior is unreasonable. Because the pension is a long-term savings account, if it is withdrawn frequently, it will not only affect its ability to increase in value, but also may lead to a decline in the quality of life of old age in the future.
How can we solve this problem? Experts believe that the key is to boost the confidence of older people. On the one hand, the society should increase the publicity and explanation of the pension system, so that more people understand the importance of pensions; On the other hand, financial institutions should provide safer and more reliable investment products so that the elderly have more choices.
At the same time, we should also encourage the elderly to establish a correct concept of financial management, so that they can understand that pensions are not used for consumption, but to ensure their future life. Only in this way can the original intention of the pension system be truly realized, so that all elderly people can enjoy a happy old age.
Trust is easier said than done. In the face of a complex and changeable social environment, how should the elderly build trust in their pensions?