一般来说,解决养老问题,社会保障是基础,其它方式是补充,它们之间是相辅相成、缺一不可的。社保虽然保障水平低,但它保障了大多数人的基本生活;商业保险、企业年金、储蓄等都是补充。其实养老问题说起来也不复杂:假设60岁退休,能活到80岁,按现在一年3万元的消费水平,20年共需60万元,也就是说只要有60万元就能养老了。至于方式,各有短长,就靠个人选择了。 Generally speaking, to solve the problem of pensions, social security is the foundation and other ways are complementary. They are mutually reinforcing and indispensable. Although social security has a low level of protection, it guarantees the basic livelihood of the majority of people. Commercial insurance, enterprise annuity, and savings are supplementary. In fact, the issue of old-age pension is not complicated either. Suppose the retirement age is 60, and can live to 80 years old. According to the consumption level of 30,000 yuan a year now, it will cost 600,000 yuan in 20 years, which means that as long as 600,000 yuan It’s As for the way, each has a short, it depends on personal choice.