Teacher Wang, Po-Chi was interviewed by TVBS: Fraud, illness, and poverty surround “late beauty life”? 30 to 50 years old, the “Three Defense Generations” strive to protect the elderly with three books
Reporting by reporter YEH,YU-FU / photography by TSAI,MING-HSUN and LIN,YA-NAN
Release time: 2024/05/27 22:53
Premier Executive Officer Cho Jung-tai (5.20): “I want him not to dare to cheat if he wants to. If he has already cheated, he will be caught, and if he succeeds in cheating, he will get nothing.”
When the new government takes office, there are a lot of things to do every week. Why is fraud the first goal mentioned by Cabinet Minister Zhuo Rongtai?
Senior reporter YEH,YU-FU: “According to police statistics, there were as many as 37,000 fraud cases in Taiwan last year. The top three cases were those with 11,700 fake investments. Among them, those over 50 years old had the largest number. The population has suffered the most heavy losses. In order to prevent disease and poverty in the elderly, we now have to guard against fraud, which has also made today’s young and middle-aged people trapped in the three-prevention era.”
There are countless scam tactics and they are difficult to prevent. Crime prevention scholars believe that although laws and regulations have shortcomings, the problem still lies in the weakness of human nature.
Wang, Po-Chi, associate professor at the Department of Criminal Justice at Ming Chuan University: “I think we all know about investment fraud, and we also hope to be able to make more profits from such a limited asset, maybe for the sake of the family, the children, and ourselves. Live a better life, an Asian fraud survey report made in 2023, one thing is to say, these people, the reason why he will feel deceived is actually not, he will feel that a very important point is to say, he Not sure if it’s a scam, but I chose to take the risk.”
Financial program host LO,CHI-FU: “Then I think if you hear these four words “guaranteed profit”, you should turn around and ignore him without saying a word, because there is no such product as guaranteed profit in the world, except for fixed deposits. ”
Unscrupulous elements have recently even targeted the people who are unwilling to be deceived, and they plan to take action again to bring back a second life to fixed deposits with interest rates that are no longer what they used to be. The reason is just like Anyang Trust, which has been promoted by the government in recent years, and locks in assets through mechanisms. , and at the same time arrange for pensions in advance.
WANG,LI-LING, director of the National Chengchi University Fin Tech Research Center: “The three pillars of retirement are basically a three-legged concept, which is the government’s part, because we used to rely on social insurance, but now we are an aging society with a declining birthrate and an aging population. The entire future labor insurance and the entire fund may have a relatively large financial crisis. Only labor insurance will go bankrupt, while labor retirement will not go bankrupt. Labor retirement and labor insurance are basically different concepts. One is social insurance, and the other is employer pension. , then we have been encouraging everyone to mention it themselves.”
According to statistics from the Bureau of Labor Insurance alone, the average amount of annuity claimed by workers is already more than 19,000 yuan lower than the current minimum living allowance in Taipei City. Under the rapid changes in the overall economic situation such as inflation, the three pillars of retirement that people used to recognize have become The proportions of government annuities, corporate pensions, and personal financial savings are facing adjustment.
Scholars further gave an example. Suppose a 30-year-old working person with a salary of 30,000 yuan is willing to withdraw 6%. Calculated based on the labor retirement fund investment return rate of 5%, when he retires at the age of 65, he will receive more per month than if he had never withdrawn. Nearly 10,000. Related concepts have recently begun to be accepted through retirement lectures sponsored by civil associations. However, for the concept of self-selection in retirement to rise, it still has to rely on government mechanisms.
WANG,LI-LING, director of the National Chengchi University Fin Tech Research Center: “In Singapore, they can choose better products in the financial market through the products in the private market, and they can help everyone. Don’t just choose the wrong one, or there may be no tax. preferential treatment, and are unwilling to allocate funds. This part is to hope that the government can, especially after May 20, our new government, be able to maintain the financial sustainability of labor insurance, or the entire reserve fund of the retirement fund, or the reserve fund, or even There can be a better reform in terms of improving the rate of return.”
Plan ahead as much as possible, because most people only consider their health and life expectancy when estimating expenditures, because data from the Ministry of Health and Welfare show that the period when Chinese people are disabled and bedridden is still at a high level of 7 to 8 years, and the long-term care payment is another expense. But for the petty bourgeoisie, planning for the rest of their lives is too far away compared to having three meals and three meals a day.
Financial program host LO,CHI-FU: “This money can be used for emergencies, and can even help you get through a long medical process. I don’t really recommend that you make investments like investment insurance policies. It’s not that it’s bad, it’s that if you want to buy an investment policy, it should be on top of your other medical insurance. Once you have a complete plan, you can make plans if you have extra money.”
WANG,LI-LING, director of the National Chengchi University Fin Tech Research Center: “The latest is not to exceed the age of 40 (planning). We think it means that there may be 25 years after retirement. You must be 25 years or more before retirement. You Only then will there be a problem of lower savings costs.”
I have worked hard for most of my life so that I can only do what I want to do in the future. Before the government improves relevant policies, all Shengdou people can do is to understand retirement in advance and maintain a sense of worry.
