刚刚过去的重阳节，是中国传统的敬老节日，关于养老的话题再度受到关注。对于年轻人来说，如何养老似乎还是一个很遥远的问题，但近日网上流传的“500万不够80后养老”一说，引发了他们的“养老焦虑”。“独一代”在感受到赡养老人压力的同时，开始焦虑自己的未来：二三十年后，如何保障自己的老年生活？子女是否会承担更大的养老压力？

Just past the double ninth festival,It is the traditional Chinese festival,About endowment topic attention again.For young people,How to endowment seems to be a very distant problem,But recently popular online"5 million not enough after 80 endowment"said,Triggered their"Endowment anxiety"."One generation"In supporting the old feel the pressure at the same time,Anxiety began to their own future:After two hundred and thirty years,How to safeguard their own aging life?Children will assume greater endowment pressure?

　　

“再生一个吧” "Regeneration a it"

　　中国最早的一批独生子女已过而立之年，孩子大都已开始蹒跚学步，父母也开始集体步入老龄。在这种“421”的家庭结构中，负担最重的就是“双独”夫妻。身处重重压力中，一些年轻夫妻也开始考虑自己将来的养老问题以及孩子的养老负担。

The earliest Chinese a batch of one-child has been thirty years of age,Most children have started to toddle,Parents also began to collective into aging.In this"421"Family structure,The heaviest burden is"Double alone"Husband and wife.In the heavy pressure,Some young couples began to consider his future pension problem and the children's pension burden.

　　“我们现在只要负担4位老人，将来我们的孩子却可能要负担12位老人。”31岁的李瑞是4岁孩子的妈妈，正计划生第二个孩子。她坦承“双独”面临的双方父母养老问题和自身养老问题，的确是生二胎的动机之一。

"We are now so long as burden four old man,In the future we children might want to burden 12 old man."At the age of 31 LiRui is four years old the child's mother,Are planning to have a second child.She admits"Double alone"Faces both parents pension problems and their own endowment problem,It is born two fetal one of the motivations.

　　李瑞给记者列了个表格：将来儿子需要照顾父母、祖父母、外祖父母6位老人，如果儿子的结婚对象也是这样的情况，那么他们需要承担12位老人的养老或医疗问题。“将来我们都老了，不管是谁生病了，他都不可能不管。老年人本来就容易生病，今天这个病，明天那个病，他怎么管得过来呢”。

LiRui give reporters made a form:The future son need to care for their parents/grandparents/Grandparents six old man,If the son's wedding object is also such a situation,So they need to undertake 12 old man's endowment or medical problems."In the future we are old,No matter who was ill,He can't no matter.The elderly was likely to get sick,Today this disease,Tomorrow the disease,How did he tube to come over".

　　“儿子如果有个兄弟姐妹，将来也会大大减轻负担。当然更多的是希望两个孩子可以做个伴，对成长也更有利。”和李瑞有一样想法的年轻人不在少数，但真正付诸实施的却不多，多数“双独”家庭会因为经济压力等原因放弃生二胎。

"Son if a brothers and sisters,The future will greatly reduce the burden.Of course more is to two children can be a companion,To grow and more favorable."And LiRuiYou idea as the young man is not a few,But the real into practice are not actually many,most"Double alone"Families because economic pressure wait for a reason to give up life two foetuses.

　　前段时间家里发生的一件事情更加坚定了李瑞的想法。“我和老公都出差，我公公生病，一开始没去医院，结果严重了，我婆婆直接叫了120。”幸亏抢救及时没有大碍，但此事让她很是后怕，“如果有个兄弟姐妹，至少一个人不在的时候，还有另一个能照顾父母”。

Recently one of the things happened at home more strengthened LiRui ideas."My husband and I are on a business trip,My grandfather was ill,The beginning didn't go to the hospital,Results serious,My mother-in-law direct call 120."Thanks to timely rescue was negative,But the matter that she is very fear,"If a brothers and sisters,At least one person is gone,There is another can take care of their parents".

　　李瑞表示虽然目前的压力会增大不少，但还是更愿意做长远打算，“为了孩子，也为了自己，再生一个吧”。

LiRui said although the current pressure will increase a lot,But still more willing to do a long-term plan,"For the children,Also to his,Regeneration a it".

　　

“保持退休前的生活水平” "Keep before retirement life level"

　　26岁的河北姑娘安然在北京一国企做行政，收入不算高但工作稳定，社保也是按规缴纳。不过她仍从不算高的工资中挤出一部分，为自己购买了商业养老保险。

26 years old in hebei girl in Beijing a state-owned enterprises do administrative,Income is not high but stable,Social security is also pay according to gauge.But she is still not high wages from the part extrusion,Buy the commercial endowment insurance.

　　“父亲的去世对我的打击非常大。”这么年轻就考虑自己的养老问题，安然表示跟家庭变故确有很大关系，“母亲的退休金非常低，父母的生活一直靠父亲的退休金，虽说生活水平不算很好，但起码丰衣足食。父亲走后母亲唯一能依靠的就是我了”。

"The death of his father to my hit is very large."So young will consider their own endowment problem,Enron said there is indeed a big change with family relationships,"Mother's pension is very low,Parents' life has been on his father's pension,Although living level is not very good,But at least have ample food and clothing.Father left mother can only rely on is me".

　　“我现在压力非常大，不仅仅是经济上的，更多的是精神上。这仿佛让我看到了我的未来。”安然说，以前一直以为在国企工作就算捧了个“金饭碗”，以后退休养老也不用愁，现在才知道在通胀的作用下，将来那点养老金也许根本维持不了基本生活，“一旦退休可能很悲惨”。

"I now very great pressure,Is not only economic,More is spiritual.This as if let me see my future."Enron said,Used in state-owned enterprises that work even hold a"A golden bowl",After retirement pension also need not worry,It's only know in under the action of inflation,The point in the future pension may not keep the basic life,"Once the retirement may be very miserable".

　　资深寿险规划经理张兰荣告诉记者，这两年购买商业养老保险的“80后”明显增多，他们大都有稳定的工作，生活水平也较高，因为担心自己退休后生活质量严重下降，被迫做出这样的规划。

Senior life insurance planning manager ZhangLanRong told reporters,The two years to buy commercial endowment insurance"After 80"Significantly more,Most of them have a steady job,Life level also higher,Because worry about life after retirement quality serious decline,Forced to make such a plan.

　　据媒体报道，一项调查显示，近半数“80后”受访者对养老保障心存担忧，对养老保险保障的关注度甚至高于四五十岁的人群。老龄化社会的加速到来，令年轻人提前进入了“养老焦虑”，一些人开始提前为退休生活做规划。

According to media reports,An investigation shows that,Nearly half"After 80"Respondents to old-age security be worry,To endowment insurance guarantee the attention of even higher than forty people.The acceleration of aging society coming,To advance into the young people"Endowment anxiety",Some people are beginning to advance for retirement life do planning.

　　除了购买商业养老保险，安然现在也在学习理财知识，“将来结婚以后，我一定会提前做好理财规划，为养老留出一只‘篮子’，保证退休以后的生活水平不下降”。

In addition to buy commercial endowment insurance,Enron now also in learning knowledge of conduct financial transactions,"After getting married in the future,I'll ahead financial planning,For endowment set aside a‘basket’,Ensure that the standard of living of the after retirement does not fall".

　　清华大学养老研究所副所长曹峰也曾指出，研究表明2050年中国社会将进入一个“深度老龄化”的社会，当前的“80后”、“90后”正是未来老龄化社会的主体，因此，年轻人需要从现在开始为自己的将来积累必要的养老金，并做出明确的养老规划。

Tsinghua university endowment deputy director of the institute CaoFeng was also pointed out,Research shows that in 2050, the Chinese society will enter a"Depth aging"social,The current"After 80"/"After 90"It is the main body of the aging society in the future,therefore,Young people need from now on in the future for your accumulated necessary pension,And make clear pension plan.

　　

“回到父母身边” "Returned to their parents around"

　　2年前，在“逃离北上广”的大潮中，陈江离开北京，回到他的家乡，湖北的一座小城市。在父母的帮助下，他开了一家小公司，然后按部就班地相亲、结婚、生孩子。

Two years ago,in"Escape from north wide"The tide of,From Chen jiang left Beijing,Back to his hometown,A small city of hubei province.In parents' help,He opened a small company,And then to step by step/married/children.

　　“我是独子，父母不愿意跟我来北京，我也不希望自己将来孤独一人。”陈江说很庆幸自己当年的选择，虽然离开了大都市的繁华，也远离了最初的梦想，却能天天享受天伦之乐。

"I am an only child,Parents don't want to come with me Beijing,I also don't want their future alone."From Chen jiang said was thankful that choice,Although left the metropolis of busy,Also from the initial dream,But it can enjoy family life every day.

　　“说起来惭愧，我刚回来的时候只能‘啃老’。父母的退休金其实完全够他们生活，还有多余，所以他们并不指望我赚钱给他们养老，而是希望我能在他们跟前，多陪陪他们。”

"Ashamed to say,I just came back only‘Nibble at old’.Parents' pension in fact completely enough they live,There are extra,So they do not expect me to make money to their endowment,But hope I can in front of them,Spending more time with them."

　　很多“独一代”的父母坦言仍向往儿孙绕膝的生活。对于父辈来说，好的生活条件未必是他们最需要的。老人最害怕的是孤独，最渴望的是精神上的陪伴。

A lot of"One generation"Parents said still yearn for children and grandchildren RaoXi life.For parents,,Good living condition is not necessarily what they need most.The old man fear most is lonely,Most desire is the spirit of the company.

　　古人云“父母在不远游”，但是在外地打拼的独生子女越来越多，很多父母都成为“空巢老人”。近年来，“空巢老人”因患病或意外死亡无人知晓的新闻屡见报端。“我不希望将来出现这样的事情再后悔，所以选择回到父母身边。”陈江说。

The ancients cloud"Parents don't travel faraway",But in the field of played more and more only children,Many parents have become"Empty nester".In recent years,"Empty nester"Because of illness or accident death unknown news press is often seen."I don't want the future appear such thing to regret,So choose returned to their parents around."From Chen jiang said.

　　“我家的亲戚都在这座城市生活，虽然我是独子，但起码还有表兄妹、堂兄妹，将来老了大家还能互相有个照应，生活也不会孤独。”陈江说，不希望自己在外面奋斗一辈子却晚景凄惨。 （摘自《半月谈》） "My relatives in the city life,Although I am an only child,But at least and cousin/Cousins,The future old can you have a look after each other,Life is not lonely."From Chen jiang said,Don't want to fight outside a lifetime but evening scene doom and gloom. (from[半月谈])