Innovate pension products, improve the consumption environment, and stimulate consumption potential

The growth rate of the elderly consumer market is accelerating, the trend of consumption upgrading is obvious, and more attention is paid to improving the quality of life

"When my pension comes in every month, I deposit about half of it in the bank, and the rest is mainly for daily living expenses." Ruan Mei, who lives in Hunan Province, is a retired employee of an enterprise. The stable pension every month makes Ruan Mei feel very satisfied.

In addition to daily living expenses, Ruan also likes to travel with her family: "In normal times, my family and I drive around the city and camp outdoors for picnics. I also take a long trip once or twice a year, which is enjoyable and broadens my mind."

After retiring, Ruan Mei found her own hobby: "In my spare time, I like to dance with my sisters in the community, which not only exercises my body, but also opens up my social circle." "Now, I also learn to shop on my phone. The new clothes have already been delivered. You can wear them for the dance in a couple of days."

Reporter survey found that online consumption has become a new experience for many elderly people.

Online shopping has become one of Ruan Mei's main shopping methods. "About 30 percent of my spending is online." Ruan Mei said, "Online shopping is not only convenient, but also can do '7 days no reason to return', very worry."

Zeng Yongguo, a resident of Bishan District, Chongqing, is nearly 70 years old and also likes to shop online, mainly buying medical and health products. "I have 'old cold legs', and my son bought me a smart knee brace online last year. It can not only heat, massage and moxibustion, but also charge and wear easily."

With this scientific and technological sense of the instrument, Zeng Yongguo is very satisfied, under the guidance of his son, he now often online to find nutrition and health care, daily care, physical examination monitoring and other goods.

Not long ago, Zeng Yongguo took a fancy to a smart small pill box on the Internet, which can remind himself to take medicine on time through ringing and vibration. "Products such as these designed specifically for the elderly can not only solve the problem of old age and poor memory, but also remove the worry of children," Zeng said.

The consumption mode of the elderly is gradually transforming to digital, and the consumption level is also improving.

As a well-known "dress master" in Yangliuba community, Zeng Yongguo believes: "Fashion has nothing to do with age, and the elderly can also pursue a more exquisite and beautiful life." He established the "Yangliuba Trend Group" wechat group, held a monthly offline fashion salon, and shared dressing skills with more than 20 other elderly people to buy new clothes.

Love life, follow fashion, focus on health, understand health care, online shopping, quality, today's elderly people pay more attention to the quality of life, consumption upgrading trend is obvious.

Recently, the elderly consumption report released by Alibaba shows that the growth rate of the elderly consumption market in 2022 will reach 20.9%, and the new growth point of the silver economy is shifting from traditional health medicine to beauty, travel, smart devices and so on. Since the beginning of this year, the consumption growth rate of elderly consumers on mainstream travel apps has reached more than 80%, and the growth rate of smart devices has exceeded 52%.

Enrich pension products, scientifically allocate assets, and make reserves for retirement life in advance

Tang Wen, a resident of Huxi Street in Chongqing's high-tech Zone, just turned 40 this year and has a stable job. Ten years ago, Tang Wen and his wife bought a commercial pension insurance. "Retirement needs to be planned in advance, and life in old age will be more secure." Today, Tang can receive monthly rebates.

In order to have more adequate protection, Tang Wen and his wife also bought serious illness insurance, accident insurance, etc., and the two people spend about 60,000 yuan in insurance costs every year. "Insurance products still need to be configured early, the elderly can choose fewer products, and the premium is also expensive, and now we need to prepare for the future life." Tang Wen said.

At the end of last year, they opened personal pension accounts. "It's like a piggy bank, and if you put a little money into it every year, you'll feel more secure." Tang Wen said, "This year's individual income tax annual declaration, I also enjoyed more than 1,000 yuan of tax incentives. I hope that pension financial products will be richer and more diversified in the future, so that we have more stable investment channels."

Do a good job of long-term asset planning, enhance their own security capabilities, in order to enjoy a better quality of old life. Li Yun, 38, who lives in Beijing, opened her own personal pension account at China Merchants Bank in December last year and made contributions. In the future, she plans to pay the full amount of 12,000 yuan per year. "I used money from my personal pension account to buy two fund products with maturities of three and five years." Li Yun said that not only the investment has income, but also enjoyed tax incentives when reporting the annual personal income tax.