[Reporter Qiu Yiqin/Reporting from Taipei] Qiu Qinyi, the former anchor and host of Dongfeng TV's "Is It OK to Be Single", is famous for analyzing the stock market and financial investment. She recently warned of the retirement crisis, starting from the controversy caused by the French retirement system and talking about Taiwan's super-aged society. Regarding the economic issues in old age, it is bluntly stated that as fewer and fewer people pay money and more and more people receive pensions, who will bear the cost of pensions in the future will become a cross-generational problem. It also reminds the public to make financial plans early and retain more initiative for their later years.
Qiu Qinyi wrote in an article yesterday (19th) that France had pushed to gradually raise the legal retirement age from 62 to 64 in the past, which triggered a strong backlash. She believed that the retirement system is not only a financial problem faced by the government, but also involves when people can retire after a lifetime of hard work. The younger generation is worried that they have to bear the retirement security of the previous generation. When they are old, who can provide sufficient support. She also pointed out that this kind of financial pressure, living costs and generational resource allocation problems are not unique to France.
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Qinyi Qiu said that Taiwan is also facing a demographic change. As the number of births decreases, the average life span increases, and the proportion of the elderly population continues to rise, how the retirement system maintains financial stability and how to share costs between the working generation and the retired group have become issues that cannot be ignored. She also pointed out that in the future, the government may face options such as delaying retirement, raising premiums or taxes, adjusting benefits, or investing more financial resources. However, no matter what the choice, someone will have to bear the price.
When talking about how to deal with life after old age, Qiu Qinyi also took Japan as an example. She mentioned that many local elderly people continue to work in the workplace, some in order to make a living, while others hope to continue to participate in society and maintain vitality. She believes that extending working life is not necessarily just to make money, but can also be a way to continue learning, create value, and even achieve life goals. For her, in the future, people may have to rethink the relationship between work and retirement and find a life rhythm that suits them.
Qiu Qinyi finally reminded that instead of waiting until retirement to worry about whether your savings are sufficient, it is better to learn investment and financial management and accumulate assets as early as possible while you are still able to work to prepare for the future. She also talked about the past concept of "raising children to prepare for old age" and believed that instead of trusting your children or the government in your later years, it is more important to have the ability to take care of yourself. She also hopes that when people face a long life, they will not only prepare for retirement, but also plan their post-retirement life in advance.
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