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65岁退休你还不乐意?有一群人正商量延迟到70岁

2017-05-29 07:48:57   每日经济新闻

住房、教育、医疗、养老,这是压在现代人身上的四座大山。

一般来说,解决了这四大问题,一个家庭就非常幸福;但只要其中一个解决不好,都可能导致家庭财务风险。

5月26日,世界经济论坛(World Economic Forum)发布的一份报告称,2017年出生的人,活到100岁已经不是问题。但问题是,老年人越老越多,养老怎么办?

设想一下,一位男性本科毕业22岁参加工作,到60岁退休,期间工作了38个年头;但是他的养老金可以从61岁取到100岁,结果,缴纳养老金的时间比提取养老金的时间还短。

因此,世界经济论坛的报告警告说,全球“有可能面临历史性的养老金危机”,应对这一潜在危机的办法是,延迟职工退休年龄、奖励在职期间储蓄、调整养老金制度等。

今年出生的人,活到100很正常

自从20世纪中叶开始,人类的寿命开始加速延长,平均每5年,寿命就会延长1年。按这种速度发展,今年出生婴儿的寿命将会超过100岁,也就是说,他们大都能看到2117年的景象。

▲数据来源:www.100yearlife.com

日本是人均寿命最长的国家,根据加州大学伯克利分校的人类长寿数据显示,2007年出生的日本人,有一半能活到107岁。

▲数据来源:加州大学伯克利分校

除了寿命延长之外,低出生率进一步导致了全球的老龄化程度。如今全球65岁以上人口为6亿,到了2050年,这一年龄段人数将高达21亿。

一方面人类越来越长寿、老龄化越来越严重;但与此同时,有一半的老年人却没有养老金,而且在现在长期投资回报率低、生活成本高企的情况下,人类未来将面临养老危险。

一般来说,一个人退休后的养老金主要有几个部分构成:政府层面的养老金制度;企业层面的养老金制度;个人存款。

但是,据世界经济论坛数据显示,全球有50%的劳动人口在养老制度不太规范的部门和企业工作;同时,有48%的适龄人口无法拿到退休金。此外,目前3%~5%的长期股权投资回报率以及1%~3%的长期债券投资回报率都低于历史平均水平,加之越来越高的物价,都使得人们投资和存钱难度加大,也都进一步加深养老危机。

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