What is the life of the elderly in Australia after retirement?

In Australia, there are not many social activities in the life of retirees. Go out for a walk after dinner during the day, and trim the flowers and plants yourself when you come back. If you want to eat at night, go to your own small garden to pick some. Simple as it is, everyday life is full.

Contrary to the old people in China, they didn't take care of their grandchildren's daily busyness in life. Even, sometimes their children will come back to see them together for a week. If you are in China, such old people will be said to be left behind.

However, there is no loneliness on the faces of the elderly in Australia. Although there are traces of years on his face, he is full of youthful breath and happiness.

Bian Xiao said that there is no evidence, or some official data are reliable. In the 20 16 world happiness index ranking, Australia once again entered the top 10, ranking ninth. This ranking not only measures the income level of a country, after all, income and happiness are not necessarily related.

How happy are the elderly in Australia? At the end of 20 16, Unity and Deakin University of Australia, a health insurance institution, investigated the happiness of individuals in Australia from seven aspects.

The result shocked everyone, and the happiest group in Australia turned out to be the elderly aged 76 and over in Australia!

It turns out that loneliness in our eyes is actually happiness!

Why are old people in Australia so happy? What is their daily life like? Bian Xiao will reveal the secret exclusively today!

Although income cannot be completely linked to happiness, for the elderly, a generous pension is also the guarantee of a happy life every day. Pension can ensure that the elderly don't have to worry about food and clothing after retirement, and even if they are hospitalized, they don't have to worry about not being able to pay the hospitalization fee.

Australia's pension system can be said to have attracted the envy of retirees in many countries! Generally speaking, men over 65 and women over 60 will get life help. The monthly pension received by each person is roughly equivalent to 20-25% of the average salary of working male citizens, slightly higher than the national poverty line.

In Australia, from the age of 55, wage income or business income will be terminated. However, with the continuous reform of the policy, women born after 1948 12 3 1 have also raised their pension age to 65. Moreover, it may be extended to 67 years old in the future.

Why the longer the retirement age, the happier it is? The reason is simple, because according to Australian policy, no matter what you do before retirement, you will deposit an extra 9.5% of your pension into your pension account.

The money cannot be withdrawn before retirement. Once you reach retirement age, you will really become a local tyrant instantly! According to the Australian Pension Association (ASAF), about 70,000 elderly Australians have saved 2.5 million Australian dollars in pensions!

Then someone may ask, what if I don't save my pension? In fact, the elderly in Australia simply have no place to spend money!

Let's talk about the aspects that the elderly are most likely to spend money, such as children, medical care and their own living expenses.

Old Australians never worry about raising children. According to Australian tradition, children must learn to live independently when they grow up, and the elderly have no obligation to spend money for their children, let alone their grandchildren.

For example, in China, some old people always pay for their children to buy houses and cars. This kind of situation will hardly happen in Australia.

Let's talk about seeing a doctor first. As we all know, Australia's medical insurance ranks first in the world! Cattle are not delicious! As long as the medical insurance card is used, the government will reimburse any medical expenses. Don't worry about buying medicine, you don't have to pay for it yourself if you buy more than 200 Australian dollars in one year!

Not only that, the Australian government's care for the elderly is beyond words.

Because the elderly are inconvenient to move when they are old, the domestic services provided by the government (including collecting domestic garbage and garden garbage, etc. ) Only 480 yuan is needed every year. And the water fee is half price! Reduce the electricity bill by 30 Australian dollars every quarter! Telephone charges are subsidized by 36 Australian dollars for two people! The transportation fee only needs 2.5 yuan for one day!

There is basically no difference between the elderly who want to travel abroad and the free travel. All parks are free to enter and leave, and travel by train in the province four times a year, at any time and place.

In this way, the old people in Australia simply don't spend much money a year! Your own subsidies are enough, not to mention the pension you saved before.

According to the data provided by Australia's ASFA Retirement Standard in September 20 12, if you want to live a comfortable retirement life in Australia, the expenses of married elderly Australians are about 562,360 Australian dollars, and the expenses of singles are about 465,438 Australian dollars +0.09 million Australian dollars. Suppose you just want to live a normal life, the cost of having a spouse is about 325,654,38+065,438+00,000 Australian dollars, and the cost of being single is about 256,400 Australian dollars.

So, how much does it cost to afford retirement in Australia? In fact, the calculation is very simple.

Estimated annual after-tax expenditure * 15 or net income in the last year of retirement * 10.

But what if many old people want to start a second business after retirement? It's simple. Just find a part-time job. In order to prevent themselves from running out of money after retirement, many old people will choose to return to work and continue to work.

Of course, the Australian government also supports the elderly to continue working. I can't help it. The job satisfaction in Australia is too high. Working every day is simply relaxation and happiness. It's hard not to continue working!

Moreover, older workers have more work experience, a more responsible work attitude, no job hopping and high loyalty. So many Australian companies are very willing to hire suitable elderly workers.

In the past decade, major companies in Australia have listed the annual recruitment of elderly employees as an independent goal of the human resources department. Sometimes when Bian Xiao goes to work, he often sees the grandfather of the gray-haired driver. They are not only serious and responsible, but also have a good attitude. What a shame to retire!

There is another main reason why the elderly continue to work, that is, people want to live a better life! I have worked hard for so many years before, just to buy a big house in the city center. But after retirement, I changed my life requirements myself.

More elderly people will choose to sell their previous houses and buy a relatively small house in the suburbs instead. In this way, the quality of living will be improved, and the insurance premium, municipal and management fees will be reduced. Why not do it?

It is said that the elderly in Australia live a comfortable life after retirement, but do you know how pensions come from?

First, the employer must pay the pension. The money will be deposited in a special pension fund management company or a self-managed pension fund (SMSF), and then managed and invested by the fund management company or SMSF.

According to the Australian Pension Industry Regulation Law, all employers must provide their employees with a pension of at least 9% of their pre-tax wages and deposit the pension into their pension accounts at least every three months.

And this system is not only for full-time jobs, but also for part-time jobs, as long as your monthly pre-tax income is above 450 yuan and your age is between 18 and 65. Since 20 13, the government has stipulated that employers should pay at least 9.25% of employees' pre-tax wages, which will increase to 12% before July 20 19.

Of course, if you have spare money, you can also save it together and let professionals help you invest and manage your finances. This will maximize the pension you get after retirement.

However, the pension can only be withdrawn after retirement. In other words, on the day of retirement, you will get a lot of money right away! In addition to the deposits normally deposited in these years, interest will be calculated according to the investment income every year, and retirement will directly become a local tyrant!

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In order to help people aged 55 to 65, the Australian government has specially formulated the Australian TTR (Transition to Retirement) strategy.

What do you mean? If Australians are semi-retired at the age of 55 and their personal income reaches the marginal tax rate of 15%, account-based pensions can be combined with wage pension contributions.

This may not be clear, so Bian Xiao will explain what to do.

First, a part of salarysacrifice tax will be deposited into the pension account, with a maximum of 30,000 Australian dollars. The tax rate of this contribution is 15%.

Then, open a pension account, transfer the super-saved money from the provident fund account to the pension account, and withdraw at least 4% from the pension account every year without exceeding 10%.

In this way, the elderly can withdraw their pension from the provident fund and deposit part of their wages into the provident fund at the expense of their wages. This method must be collected quickly, and when you retire soon, you can still make a lot of money!

What should the old man do every day after he has money? It's simple, exercise!

The most terrible thing in life is that people have money but can't spend it. In order to prevent this from happening, the elderly in Australia actively exercise and keep healthy every day.

In Australia, many gyms can see old people. According to the survey, 60% of the elderly over 50 in Australia will take physical exercise at least twice a week.

Not only running, but also in yoga classes, old people are not lost to young people. Not satisfied, split a fork?