Ctrip's talker, who can also be regarded as Liang Xzhang of the brick family, has actually been scolded miserably in the past few days, because he said in an interview that he will have to postpone his retirement until seventy or eighty in the future.
In order to avoid misunderstandings, let's first excerpt his original words:
Now the old people in their fifties and sixties can already retire and receive a good pension, but this is not sustainable, because in the future there will be half as many young people as the elderly. In the future, the elderly will definitely either have your pension halved, or you will have to delay retirement until you are seventy or eighty years old. ”
Look at it, in fact, his point of view is very clear, which means that when young people retire now, either the pension will be halved for you, or you will retire until you are seventy or eighty, otherwise the pension will not be enough at all.
As soon as these words came out, it was another diss on the social surface. There is everything to say, and strictly speaking, when he says this, it really touches everyone's hearts.
And some netizens said a very classic comment:
That's true.
But in fact, it really doesn't make much sense to completely concentrate the firepower on Liang, after all, the relevant strategy of delaying the retreat was not set by him, he just made a backup shot and told the truth, of course, he did this, although it was not a hundred steps, it was also counted as fifty steps.
But in fact, in the future, people, especially 80 and 90, I am afraid that the pension is really not optimistic, 00 and 10 don't talk about it, after all, the time is still early, really at that time, maybe what.
The basic strategy of old-age care has been almost determined, and it was clearly stated at the 20th and 2022 economic meetings that the gradual postponement of retirement may be announced in 2023, and officially implemented in 2025, and around 2055, the same age retirement for men and women at the age of 65 will be realized.
That means that the post-90s must retire at the age of 65, and the post-80s may be able to be two or three years earlier.
To be honest, strictly speaking, retiring at the age of 65 is not too much of a problem, and if you really want to say that you can't find a job because of your age, there is no difference between 60 and 65.
Anyway, after 35, it's hard to find.
The crux of the matter is that now it is said that it is 65 years old, will it be changed again in a few years to become 70 years old, which is the origin of everyone's panic and anxiety.
Or simply use Liang's statement, if you directly make it clear at one time that you will be 80 years old, it will be regarded as a kind of boot landing, at least settle the matter, and everyone will start to plan for their old age.
For example, rethink whether you want to continue to pay for insurance.
Back in 1978, the "Interim Measures on Retirement and Retirement" was issued, mentioning that 60 men and 50 women and 55 women could retire.
In 1978, the average life expectancy at that time was only 68, which means that after the man retired, it was almost reincarnated in about 8 years.
I can't get it for a few years.
So why has such conditions continued to this day?
Because at that time, it was all arranged by a grand narrative, and there was no need to raise money or anything in the community, and the most important thing was that the population had been rising at that time, and it was necessary to do something for a few more years, so it was not involved at all.
However, the difference between now and then is really too big, on the one hand, the pension money paid by himself to support the many generations that did not pay at the beginning, and on the other hand, the birth is constantly pulling down.
Squeezing both sides at the same time puts a lot of pressure on the current people.
Moreover, since the pension pool is a process of adding water and releasing water, according to theoretical calculations, by 2027, the cumulative will reach its peak, and there will be about 70,000 small goals.
Since then, due to the problem of aging and declining births, it has begun to continue to take out the accumulated pool to pay to fill the gap between the current income and expenditure, and this violent ** is 2035.
Not to mention that there are many py deals and rat moths.
So theoretically speaking, by 2035, the deposit pool will be exhausted, and it is not that it will definitely not be able to receive it, but you must find a way to add water to the pool.
The reason why this situation occurs may be a very important reason for the lack of a long-term resourcefulness, and there is no channel to invest in profits and use money to make money.
Taking Da Mei as an example, the 401k plan over there can run smoothly for nearly 50 years, because the ** Changhong over there has risen for almost 100 years.
Therefore, the money invested in the pension pool of ** has obtained huge successful returns, which can naturally cover those policyholders.
Now on the South SL**e side, I have also begun to learn from other people's 401k plans, and I have also engaged in the personal pension strategy, which is not much different from the form, but whether it can be profitable for a long time has become a big problem.
Because of what the big A shares are like here, everyone has seen it, it is a zero-sum game, and some bricks even say that ** is used to ga, which is to contribute to the grand narrative.
But he forgot that a healthy market should make money for development, that is, everyone works hard to make a win-win situation, rather than the harvest of small households by institutions.
Because if you think about it, in addition to the crowding out of individuals by grand narratives, there are all kinds of unimaginable py transactions.
There are even some public offerings, and even the money from the club b** pool has to be used to do py transactions casually, and the society b** is used to help others carry the sedan chair, which is really a specialty of Zhangzi Island.
So in the future, everyone may not have a good time!
If anyone still believes in any hope like the previous ** era, it can only be said that you have a disease in the brain, and if you don't treat it, you will be gone!
Thinking about the magic of these years, think about it, Huang Bo sang a song called "My Requirements Are Not Too High" at the Spring Festival Gala one year, and the lyrics were not written.
This can also be seen that at present, this form of pension is like the grasshopper after the autumn, the first eunuch. Lu Bu's father-in-law, the French defense line, has taken jujube pills!
Then let's look at another topic.
This year's national examination application has such a question: according to the given information, summarize the problems encountered by retirees in reemployment and put forward suggestions for solutions. Not very demanding, 400 words!
It's really too old to find a job at 35, and it's too early to retire at 65.
Let a group of graduates who need to solve the problem of y, write articles to solve the problem of re-employment after their parents retire, too Zhangzidao specialty.
The graduates are here, and now they are encouraging their parents to re-enter the job after they retire, so is this encouraging gnawing lao?
Parents have worked hard all their lives, and they haven't started to enjoy it, and the pressure is pressing on them again. Just let the elderly use their pensions to start a business and achieve win-win cooperation with young people.
This idea is not bad, according to this writing argument, the score may not be low!
Now is it not to solve the problem of middle-aged people losing their y, not to solve the problem of young people's y, and directly solve the problem of re-employment of retired people?
White-haired people raise black-haired people? This is really an expired wooden box, not a good product!
In the future, the children will go home as soon as they graduate, the middle-aged people will go home and lie down after graduating at the age of 35, and the elderly over 60 years old will go out to work for their sons and daughters, grandchildren, and grandchildren, which is actually very good, and by the way, it also solves the problem of pension and pension.
I just don't know if everyone will start learning ancient poetry next:
It is that the prince will have a kind of Xiangning, the sky is dead and the yellow sky should stand, there is no song of death in Liaodong, the city is full of ** armor, the heavenly street is full of the bones of the princess, dare to laugh at the Huang Chao is not a husband, Mo Dao Shiren has one eye, and suddenly there are madmen sharpening knives at night!
This also serves as a wake-up call for the current middle-aged and young people.
That is, when this group of people retires when they are old, don't think about others to help them, when the time comes, they will be deeply old, the structure will be upside down, and the income of the pension will not be offset by themselves.
Maybe at that time, it is also a kind of happiness to be able to climb the plow and step on the sewing machine, after all, there is still food and shelter!
Then you either earn enough when you are young, or continue to work at the age of seventy or eighty, which is the inevitable development of ha.
In the past few years, I often saw some white-haired old men and old ladies abroad who were still working, and they were even more interested in the small days and kimchi next door, and they were still laughing at people at that time.
Now the boomerang hits itself, and people are just ahead of it.
Take small days as an example: how many old people are still working after retirement?
According to the latest data from the Ministry of Internal Affairs and Communications, the number of employees over the age of 65 in 2021 reached 9.09 million, which is a record high.
And their elderly over 65 years old reached 36.27 million in 2022.
It means that among the old people over there, there is 1 in 4 people who are still working after retiring.
Breaking down the age, the 60s (that is, 60-64 years old) are still working to reach 715%, and 50 in the second half of the 60s (that is, 65-69 years old) who are still working3%。
That means that when you reach the ancient 70 in the future, you still have to do it! It's becoming the norm.
So are you ready to work to the locket?
This question can also lead to other problems.
For example: Why is the number of people paying SHE insurance declining year by year? Why are young people reluctant to pay now?
I used to blame those brick families, and every time the brick family suggested before, I couldn't help but diss a few words.
I feel that they are also a brick family, how do I feel that the taste of what they say is more rushing than that of the big and beautiful old Deng when he was in a meeting.
Now I saw a sentence on the Internet that suddenly became clear: that is called testing the waters, first raise the threshold, and then make a compromise, and naturally accept it.
This sentence finally made the mouth open, it turned out that we were the ones who separated the brain and hips.
People have fully carried forward Mr. Lu Xun's wise sayings:
The temperament of the people of Nan sl**e is always like to reconcile and compromise, for example, the house is too dark, and a window must be opened here, and some people must disagree. But when you come up, you say that the roof is demolished, and someone will reconcile it, and finally the window will be opened."
It is indeed well-intentioned.
And you have to know that in fact, these things are all one ring after another, as long as the development cannot jump out of the zero-sum game, raising gold will eventually become a big problem.
In addition, there are also urban and rural inequality, injustice between those who go ashore and those who do not go ashore, and these topics will not be expanded much, because now the masks are getting thicker and thicker, and I will skip them without saying more.
So the only thing everyone is counting on now is that they can follow the established postponement strategy and gradually reach the age of 65, and they are very satisfied with this.
As for how much can be taken in the future, and whether the calculation method will change in the future, no one knows ......
If you are young and earn more and save more, you can't go wrong.
In the end, I used AI to make an answer.
The following is for reference only, please refer to it according to the actual situation.
Answer: Reasons why retirees are difficult to solve the problem again:
Lack of professional skills: Many retirees do not have training in professional skills, resulting in a lack of competitiveness when looking for jobs.
Older age: Retirees are generally older, less physically fit and less energetic than young people, and it is difficult to adapt to work.
Lack of information: Many retirees already lack access to information and find jobs that are appropriate for their current situation.
Measures: Strengthen support: Strategies can be put in place to encourage companies to recruit retirees vigorously and improve access to employment opportunities.
Increase skills training: Skills training can be organized on a large scale to help retirees improve their professional skills and enhance their competitiveness in reemployment.
Provide information: Establish a special information platform to publish recruitment information suitable for retirees, and help retirees quickly match and find suitable jobs.
Strengthen support: At the social level, support for retirees can be strengthened to help them better re-enter the workforce through organizations and volunteer services.
Look at it, it's better than an AI!
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