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“Retirement” is the end goal of many people’s hard work, but the concept and system of retirement based on age or work faces unprecedented challenges. Demographers estimate that half of the people born in 2007 will live to more than 100 years. If life is counted in a hundred years, 60 years is young, and the life boundary of three stages of study, work and retirement is bound to be broken. You need to plan and prepare as soon as possible for as long as 20 to 30 years after retirement.
Plan a year to find the five powers for retirement
In the age of atypical retirement, facing the second half of life, the United Daily News Vision Project invited experts to cooperate with Diantong. After a year of planning and implementation, the five most important basic skills of retirement life were identified, namely finance, health and social connection. Active, eager to learn, free and independent, to set Taiwan-unique “retirement readiness indicators”, to provide Chinese with a review of their retirement ability, and to simultaneously survey thousands of people across Taiwan to understand the current state of Chinese retirement readiness.
The survey found that with a total score of 100, the average Chinese retirement readiness score is only 54 points, which is in a poor state; the analysis of the five core competencies, financial, health and social connection are all less than 60 points, active and easy to learn 60 points One point, only the free independence score is higher, 75.1 points; the score is inversely proportional to age and has decreased since age 65.
The higher it is, the lower your readiness score.
The older the age, the lower the retirement readiness score. Those over 75 have less than 44 points, which is the lowest score of all ethnic groups. Among the five core competencies, the financial score is the highest, but the social connection and active learning are less than 30 points.
The postwar baby boomer generation over 65 is in retirement. When they grow up, they have a difficult life with materials. Although they are catching up with the economic take-off, their life expectancy is lengthening and care for the elderly remains a challenge; working hard in the early years, health and social spirituality are insufficient, greatly increases the risk of disability or loneliness in adulthood.
Obviously insufficient finances
People ages 30 to 64 have high scores on the social and spiritual level. Those under 30 have the highest academic scores in social connection and activity. However, these skills are accompanied by school and employment. How to stay is a test; financial readiness Obviously inadequate, financial readiness for ages 30-49 is only 50 points, which is the weakest link in all respects. Low wages and low interest rates are detrimental to wealth accumulation and have always been the biggest concerns during retirement.
This year is the first year that Taiwan “is better birth than death.” For the first time, the number of births is less than the number of deaths. In five years, we will enter a super-old society, with one in five people over the age of 65, but the survey shows From the millennial generation to the postwar baby boom, Chinese are generally unprepared for retirement.
Complete the indicators to begin preparing for retirement
The aging of the population brings with it social changes. It is a personal life lesson to design a longer-than-expected second half of life. It is a personal life’s work to avoid becoming an unpleasant, world-weary, or disabled old man; improper handling of retirement problems and the accumulation of personal crises will lead to social security disasters. Formulate forward-thinking policy responses early.
By establishing and publishing “Retirement Readiness Indicators,” the United Daily News announced the launch of the National Retirement Readiness Project. Future indicators will continue to be progressively revised and announced periodically to remind people of different stages of life to make arrangements in advance.
The series of reports on the “2020 Retirement Ability Survey” will be released for four days today. Digital and audiovisual works are presented simultaneously on the website and mobile vehicles. Everyone is welcome to complete the milestones and take the first step in preparing for retirement.
▌ Extended recommendation:
[Encuesta de preparación para la jubilación]5 indicators assess your ability to retire [Despliegue avanzado de una vida centenaria]Are you ready for the “no retirement age”?
