
前主播、東風衛視《單身行不行》主持人邱沁宜以法國退休制度改革引發的爭議為切入點,警告台灣面臨超高齡社會挑戰,指出繳費人口減少與領取人口增加的失衡將導致跨世代養老成本難題,並呼籲民眾及早規劃個人財務與投資,強調自我負責比依賴子女或政府更為重要。
AI-generated summary
文章提到法國曾將退休年齡從62歲延後至64歲引發爭議,並指出台灣正經歷出生率下降與平均壽命延長,高齡人口比例持續上升,退休制度財務永續性成為公共議題。
〔記者邱奕欽/台北報導〕前主播、東風衛視《單身行不行》主持人邱沁宜以分析股市、理財投資聞名,她近日示警退休危機,從法國退休制度引發的爭議,談到台灣超高齡社會的老後經濟問題,直言當繳錢的人愈來愈少、領退休金的人愈來愈多,未來究竟由誰承擔養老成本,將成為跨世代難題,也提醒民眾及早做好財務規劃,為自己的晚年保留更多主動權。
邱沁宜昨(19日)發文提到,法國過去曾推動將法定退休年齡從62歲,逐步提高至64歲引發強烈反彈,她認為退休制度不只是政府面對的財政問題,對民眾而言更牽涉辛苦工作一輩子後,究竟何時才能退休;年輕世代則擔心,自己必須負擔上一代的退休保障,等到自己老了又有誰能提供足夠支持,她也指出這類財政壓力、生活成本與世代資源分配的難題,並非只有法國面臨。
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邱沁宜表示台灣同樣面臨人口結構轉變,隨著出生人口減少、平均壽命延長,高齡人口占比持續攀升,退休制度如何維持財務穩定,以及工作世代與退休族群之間如何分擔成本,都成為無法忽視的課題,她更指出未來政府可能面臨延後退休、提高保費或稅收、調整給付,或投入更多財政資源等選項,但無論如何選擇,都有人必須承擔代價。
談到如何面對老後生活,邱沁宜也以日本為例,提到當地不少高齡者持續投入職場,有人為了維持生計,也有人希望繼續參與社會、保持活力,她認為延長工作生涯不一定只是為了賺錢,也可以是持續學習、創造價值,甚至實現人生目標的方式,對她而言未來人們或許都得重新思考工作與退休的關係,找到適合自己的生活節奏。
邱沁宜最後提醒,與其等到退休才擔心存款是否足夠,不如趁仍有工作能力時,及早學習投資理財、累積資產,為未來做好準備,她也談到過去「養兒防老」的觀念,認為與其把晚年寄託在子女或政府身上,更重要的是讓自己有能力照顧自己,同時盼民眾在面對長壽人生時,不只準備退休金,也能提早規劃退休後的生活。
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AI outlook — possibilities, not facts
台灣政府將在未來幾年內檢討並調整退休年齡或給付公式
Likely · Within years
更多台灣高齡者將選擇延後退休或繼續參與職場
Possible · Within years

AI-related stocks attracted bargain hunting after suffering a violent sell-off last week. U.S. stocks rebounded on Monday, with the Nasdaq rising more than 1%, the S&P 500 closing simultaneously higher, and the Dow Jones Industrial Average falling slightly by 0.07%.

German Chancellor Mertz will deliver an opening speech at the Invest in Germany Summit in Berlin, and NVIDIA CEO Jensen Huang will attend as an important guest. The two sides plan to announce an AI cooperation plan, in which the German government will invest hundreds of millions of euros, Nvidia will provide engineers and chips, and ten German companies including Siemens and Audi will participate. Huang emphasized that Germany is its largest operating base in Europe and expressed concerns that Germany is lagging behind in the field of technology. The German Institute for Economic Research warned against high expectations for the summit, pointing to high labor, energy and bureaucratic costs as barriers to investment.
The first phase of the 140th Canton Fair ended on October 19. Passenger flow at the Guangzhou Baiyun Airport port continued to run at a high level. From October 15 to 12 o'clock on the 19th, the cumulative inspection of entry and exit personnel exceeded 265,000, and the number of flights exceeded 1,700, a year-on-year increase of 20.6% and 13.4% respectively. Over 150,000 foreigners entered and exited the country, a year-on-year increase of 27.1%, of which 43.2% entered for business and visit purposes. Customer sources cover 181 countries around the world, with Malaysia, Thailand, Russia and other countries leading the list. The visa-free policy has promoted strong willingness of foreign businessmen to visit China. During the Canton Fair, foreign tourists who enjoyed convenient measures to enter China accounted for 57% of the total number of foreigners entering China. Baiyun Border Inspection Station has set up a dedicated inspection channel and provides multi-language services. The entire entry process takes less than 2 minutes.
At the opening ceremony of the 2026 Financial Street Forum Annual Meeting, Ding Xiangqun, director of the State Administration of Financial Supervision, said that China's banking and insurance industries are operating stably overall, large institutions are operating steadily, small and medium-sized institutions are advancing in an orderly manner in reforming and de-risking risks, and risks are generally controllable. She emphasized the need to focus on key areas to proactively mitigate risks, improve disposal mechanisms, strengthen coordination and linkage, severely crack down on illegal financial activities, and promote the construction of financial rule of law so that the regulatory system can truly become a "live high-voltage line."

Mintek, South Africa's national mineral research institute, cooperated with the Steenkampskohl Mine to successfully develop rare earth refining technology and enter mass production. Although the goal is to diversify the world's dependence on Chinese raw materials, the first batch of products is still mainly exported to China because of the scarcity of facilities with the ability to handle radioactive materials around the world.
The 2026 Financial Street Forum Annual Conference opened in Beijing. Pan Gongsheng, Governor of the People's Bank of China, announced that he would expand the scope of application of the Standing Lending Facility, establish liquidity support tools for non-bank institutions, promote bond market interconnection, and pilot overseas RMB clearing banks to participate in the domestic foreign exchange market to support the development of technology finance.