{"id":16145,"date":"2026-07-22T22:23:39","date_gmt":"2026-07-22T22:23:39","guid":{"rendered":"https:\/\/medbox.com\/?p=16145"},"modified":"2026-07-22T22:23:42","modified_gmt":"2026-07-22T22:23:42","slug":"the-future-of-social-security-why-the-system-is-under-pressure-and-how-to-prepare","status":"publish","type":"post","link":"https:\/\/medbox.com\/vi\/the-future-of-social-security-why-the-system-is-under-pressure-and-how-to-prepare\/","title":{"rendered":"T\u01b0\u01a1ng lai c\u1ee7a h\u1ec7 th\u1ed1ng an sinh x\u00e3 h\u1ed9i: T\u1ea1i sao h\u1ec7 th\u1ed1ng \u0111ang ch\u1ecbu \u00e1p l\u1ef1c v\u00e0 c\u00e1ch chu\u1ea9n b\u1ecb"},"content":{"rendered":"

V\u00e0o n\u0103m 1950, c\u00f3 kho\u1ea3ng... C\u1ee9 16 ng\u01b0\u1eddi lao \u0111\u1ed9ng th\u00ec c\u00f3 m\u1ed9t ng\u01b0\u1eddi h\u01b0\u1edfng tr\u1ee3 c\u1ea5p An sinh x\u00e3 h\u1ed9i.<\/a>. Hi\u1ec7n nay, trung b\u00ecnh ch\u1ec9 c\u00f3 ch\u01b0a \u0111\u1ebfn ba ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ed7 tr\u1ee3 cho m\u1ed7i ng\u01b0\u1eddi h\u01b0\u1edfng tr\u1ee3 c\u1ea5p An sinh X\u00e3 h\u1ed9i, v\u00e0 t\u1ef7 l\u1ec7 n\u00e0y d\u1ef1 ki\u1ebfn s\u1ebd ti\u1ebfp t\u1ee5c gi\u1ea3m. Khi t\u1ef7 l\u1ec7 sinh ti\u1ebfp t\u1ee5c gi\u1ea3m v\u00e0 tu\u1ed5i th\u1ecd t\u0103ng l\u00ean, s\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ed7 tr\u1ee3 cho s\u1ed1 ng\u01b0\u1eddi ngh\u1ec9 h\u01b0u ng\u00e0y c\u00e0ng t\u0103ng s\u1ebd gi\u1ea3m, g\u00e2y \u00e1p l\u1ef1c t\u00e0i ch\u00ednh ng\u00e0y c\u00e0ng l\u1edbn l\u00ean h\u1ec7 th\u1ed1ng An sinh X\u00e3 h\u1ed9i.\u00a0<\/p>\n\n\n\n

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\u0110\u01a1n thu\u1ed1c c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i v\u00e0 giao<\/h2>\n <\/div>\n \n \n\n T\u00ecm hi\u1ec3u th\u00eam<\/span>\n \n \n \n <\/a>\n\n <\/div>\n <\/div>\n <\/section>\n\n\n\n

Li\u1ec7u ch\u00ednh ph\u1ee7 c\u00f3 b\u1ecb bu\u1ed9c ph\u1ea3i t\u0103ng thu\u1ebf, c\u1eaft gi\u1ea3m tr\u1ee3 c\u1ea5p, t\u0103ng tu\u1ed5i ngh\u1ec9 h\u01b0u, hay c\u1ea3i t\u1ed5 ho\u00e0n to\u00e0n h\u1ec7 th\u1ed1ng? T\u01b0\u01a1ng lai c\u1ee7a h\u1ec7 th\u1ed1ng An sinh x\u00e3 h\u1ed9i kh\u00f4ng c\u00f2n l\u00e0 m\u1ed1i quan t\u00e2m xa v\u1eddi n\u1eefa. \u0110\u00f3 l\u00e0 m\u1ed9t th\u00e1ch th\u1ee9c c\u1ea5p b\u00e1ch s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ng\u01b0\u1eddi lao \u0111\u1ed9ng, gia \u0111\u00ecnh v\u00e0 c\u00e1c th\u1ebf h\u1ec7 t\u01b0\u01a1ng lai. <\/p>\n\n\n\n

Theo \u1ee6y ban Qu\u1ea3n l\u00fd Qu\u1ef9 An sinh X\u00e3 h\u1ed9i, qu\u1ef9 t\u00edn th\u00e1c c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh d\u1ef1 ki\u1ebfn s\u1ebd c\u1ea1n ki\u1ec7t v\u00e0o gi\u1eefa nh\u1eefng n\u0103m 2030 n\u1ebfu kh\u00f4ng c\u00f3 thay \u0111\u1ed5i n\u00e0o v\u1ec1 lu\u1eadt ph\u00e1p. N\u1ebfu \u0111i\u1ec1u \u0111\u00f3 x\u1ea3y ra, doanh thu thu\u1ebf l\u01b0\u01a1ng v\u1eabn s\u1ebd \u0111\u1ee7 \u0111\u1ec3 chi tr\u1ea3 h\u1ea7u h\u1ebft c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p theo l\u1ecbch tr\u00ecnh, nh\u01b0ng ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng c\u00f3 th\u1ec3 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi vi\u1ec7c gi\u1ea3m kho\u1ea3n thanh to\u00e1n tr\u1eeb khi Qu\u1ed1c h\u1ed9i h\u00e0nh \u0111\u1ed9ng \u0111\u1ec3 c\u1ee7ng c\u1ed1 ch\u01b0\u01a1ng tr\u00ecnh. <\/p>\n\n\n\n

T\u1ea1i sao h\u1ec7 th\u1ed1ng l\u1ea1i ch\u1ecbu \u00e1p l\u1ef1c?<\/h2>\n\n\n\n

M\u1ed9t s\u1ed1 thay \u0111\u1ed5i d\u00e0i h\u1ea1n \u0111ang khi\u1ebfn vi\u1ec7c duy tr\u00ec h\u1ec7 th\u1ed1ng An sinh X\u00e3 h\u1ed9i tr\u1edf n\u00ean kh\u00f3 kh\u0103n h\u01a1n. Nh\u1eefng thay \u0111\u1ed5i n\u00e0y bao g\u1ed3m: <\/p>\n\n\n\n

D\u00e2n s\u1ed1 gi\u00e0 h\u00f3a<\/h3>\n\n\n\n

Ng\u01b0\u1eddi cao tu\u1ed5i l\u00e0 m\u1ed9t trong nh\u1eefng nh\u00f3m d\u00e2n s\u1ed1 t\u0103ng nhanh nh\u1ea5t \u1edf Hoa K\u1ef3 khi th\u1ebf h\u1ec7 b\u00f9ng n\u1ed5 d\u00e2n s\u1ed1 ti\u1ebfp t\u1ee5c b\u01b0\u1edbc v\u00e0o tu\u1ed5i ngh\u1ec9 h\u01b0u. Khi ng\u00e0y c\u00e0ng nhi\u1ec1u ng\u01b0\u1eddi M\u1ef9 b\u1eaft \u0111\u1ea7u nh\u1eadn tr\u1ee3 c\u1ea5p An sinh x\u00e3 h\u1ed9i, ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi \u00e1p l\u1ef1c t\u00e0i ch\u00ednh ng\u00e0y c\u00e0ng t\u0103ng. <\/p>\n\n\n\n

Tu\u1ed5i th\u1ecd cao h\u01a1n<\/h3>\n\n\n\n

Ng\u00e0y nay, con ng\u01b0\u1eddi s\u1ed1ng th\u1ecd h\u01a1n bao gi\u1edd h\u1ebft. Nh\u1edd y h\u1ecdc hi\u1ec7n \u0111\u1ea1i v\u00e0 m\u1ee9c s\u1ed1ng cao h\u01a1n, nhi\u1ec1u ng\u01b0\u1eddi v\u1ec1 h\u01b0u c\u00f3 th\u1ec3 t\u1eadn h\u01b0\u1edfng cu\u1ed9c s\u1ed1ng l\u00e2u d\u00e0i v\u00e0 kh\u1ecfe m\u1ea1nh h\u01a1n. K\u1ebft qu\u1ea3 l\u00e0, nhi\u1ec1u ng\u01b0\u1eddi v\u1ec1 h\u01b0u nh\u1eadn tr\u1ee3 c\u1ea5p An sinh x\u00e3 h\u1ed9i trong nhi\u1ec1u n\u0103m h\u01a1n so v\u1edbi c\u00e1c th\u1ebf h\u1ec7 tr\u01b0\u1edbc. <\/p>\n\n\n\n

T\u1ef7 l\u1ec7 sinh gi\u1ea3m<\/h3>\n\n\n\n

Theo d\u1ef1 b\u00e1o d\u00e2n s\u1ed1 c\u1ee7a Li\u00ean H\u1ee3p Qu\u1ed1c, T\u1ef7 l\u1ec7 sinh c\u1ee7a M\u1ef9 n\u0103m 2026<\/a> \u01af\u1edbc t\u00ednh trung b\u00ecnh m\u1ed7i ph\u1ee5 n\u1eef c\u00f3 kho\u1ea3ng 1,79 con, th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi m\u1ee9c thay th\u1ebf d\u00e2n s\u1ed1 l\u00e0 2,1. T\u1ef7 l\u1ec7 sinh th\u1ea5p h\u01a1n \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c s\u1ebd c\u00f3 \u00edt ng\u01b0\u1eddi lao \u0111\u1ed9ng tham gia l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng h\u01a1n, d\u1eabn \u0111\u1ebfn vi\u1ec7c h\u1ecd kh\u00f4ng th\u1ec3 h\u1ed7 tr\u1ee3 nh\u1eefng ng\u01b0\u1eddi v\u1ec1 h\u01b0u trong t\u01b0\u01a1ng lai th\u00f4ng qua thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n. <\/p>\n\n\n\n

S\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi lao \u0111\u1ed9ng \u0111\u00f3ng g\u00f3p v\u00e0o h\u1ec7 th\u1ed1ng ng\u00e0y c\u00e0ng gi\u1ea3m.<\/h3>\n\n\n\n

H\u1ec7 th\u1ed1ng An sinh X\u00e3 h\u1ed9i ch\u1ee7 y\u1ebfu d\u1ef1a v\u00e0o thu\u1ebf l\u01b0\u01a1ng do ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u00e0 ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng \u0111\u00f3ng g\u00f3p. Khi t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng ch\u1eadm l\u1ea1i v\u00e0 t\u1ef7 l\u1ec7 ng\u01b0\u1eddi lao \u0111\u1ed9ng so v\u1edbi ng\u01b0\u1eddi ngh\u1ec9 h\u01b0u gi\u1ea3m, doanh thu t\u1eeb thu\u1ebf l\u01b0\u01a1ng kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 theo k\u1ecbp vi\u1ec7c chi tr\u1ea3 c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p. <\/p>\n\n\n\n

Nh\u1eefng th\u00e1ch th\u1ee9c kinh t\u1ebf ph\u00eda tr\u01b0\u1edbc<\/h2>\n\n\n\n

M\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1 kinh t\u1ebf \u0111ang l\u00e0m gia t\u0103ng nh\u1eefng th\u00e1ch th\u1ee9c v\u1ec1 ngu\u1ed3n v\u1ed1n d\u00e0i h\u1ea1n c\u1ee7a h\u1ec7 th\u1ed1ng An sinh X\u00e3 h\u1ed9i. Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y bao g\u1ed3m:<\/p>\n\n\n\n

Chi ph\u00ed tr\u1ee3 c\u1ea5p h\u01b0u tr\u00ed ng\u00e0y c\u00e0ng t\u0103ng<\/h3>\n\n\n\n

S\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi v\u1ec1 h\u01b0u s\u1ed1ng th\u1ecd ng\u00e0y c\u00e0ng t\u0103ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c c\u00e1c kho\u1ea3n chi tr\u1ea3 c\u1ee7a B\u1ea3o hi\u1ec3m X\u00e3 h\u1ed9i c\u0169ng t\u0103ng l\u00ean. M\u1ed7i th\u00e1ng, B\u1ea3o hi\u1ec3m X\u00e3 h\u1ed9i chi tr\u1ea3 c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p h\u01b0u tr\u00ed, tr\u1ee3 c\u1ea5p t\u00e0n t\u1eadt v\u00e0 tr\u1ee3 c\u1ea5p cho ng\u01b0\u1eddi th\u00e2n c\u1ee7a h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi M\u1ef9. Khi s\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi v\u1ec1 h\u01b0u t\u0103ng l\u00ean so v\u1edbi l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng, c\u00e1c kho\u1ea3n chi tr\u1ea3 tr\u1ee3 c\u1ea5p h\u00e0ng n\u0103m b\u1eaft \u0111\u1ea7u v\u01b0\u1ee3t qu\u00e1 doanh thu thu\u1ebf l\u01b0\u01a1ng, bu\u1ed9c B\u1ea3o hi\u1ec3m X\u00e3 h\u1ed9i ph\u1ea3i d\u1ef1a v\u00e0o qu\u1ef9 d\u1ef1 tr\u1eef c\u1ee7a m\u00ecnh \u0111\u1ec3 b\u00f9 \u0111\u1eafp kho\u1ea3n thi\u1ebfu h\u1ee5t. <\/p>\n\n\n\n

\u00c1p l\u1ef1c l\u00ean ng\u00e2n s\u00e1ch ch\u00ednh ph\u1ee7<\/h3>\n\n\n\n

B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i hi\u1ec7n \u0111\u00e3 l\u00e0 m\u1ed9t trong nh\u1eefng kho\u1ea3n chi l\u1edbn nh\u1ea5t c\u1ee7a ch\u00ednh ph\u1ee7. N\u1ebfu kh\u00f4ng c\u00f3 nh\u1eefng thay \u0111\u1ed5i v\u1ec1 lu\u1eadt ph\u00e1p, chi ph\u00ed ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i s\u1ebd g\u00e2y \u00e1p l\u1ef1c l\u1edbn h\u01a1n l\u00ean ng\u00e2n s\u00e1ch li\u00ean bang v\u00e0 h\u1ea1n ch\u1ebf s\u1ef1 linh ho\u1ea1t c\u1ee7a c\u00e1c nh\u00e0 ho\u1ea1ch \u0111\u1ecbnh ch\u00ednh s\u00e1ch khi c\u00e2n b\u1eb1ng c\u00e1c \u01b0u ti\u00ean chi ti\u00eau kh\u00e1c. <\/p>\n\n\n\n

L\u1ea1m ph\u00e1t v\u00e0 chi ph\u00ed ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe\u00a0<\/h3>\n\n\n\n

Gi\u00e1 c\u1ea3 th\u1ef1c ph\u1ea9m, \u0111i\u1ec7n n\u01b0\u1edbc, nh\u00e0 \u1edf v\u00e0 nhi\u1ec1u m\u1eb7t h\u00e0ng kh\u00e1c t\u0103ng cao c\u00f3 th\u1ec3 g\u00e2y kh\u00f3 kh\u0103n cho ng\u01b0\u1eddi cao tu\u1ed5i s\u1ed1ng b\u1eb1ng thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh. T\u1eeb gi\u1eefa nh\u1eefng n\u0103m 1970, l\u1ea1m ph\u00e1t trung b\u00ecnh kho\u1ea3ng 21.449 t\u1ef7 USD \u0111\u1ebfn 31.449 t\u1ef7 USD m\u1ed7i n\u0103m, m\u1eb7c d\u00f9 nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y gi\u00e1 c\u1ea3 t\u0103ng cao h\u01a1n \u0111\u00e1ng k\u1ec3. Chi ph\u00ed ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe c\u0169ng ti\u1ebfp t\u1ee5c t\u0103ng, g\u00e2y th\u00eam \u00e1p l\u1ef1c t\u00e0i ch\u00ednh cho nhi\u1ec1u ng\u01b0\u1eddi v\u1ec1 h\u01b0u. \u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi cao tu\u1ed5i, tr\u1ee3 c\u1ea5p An sinh x\u00e3 h\u1ed9i gi\u00fap trang tr\u1ea3i c\u00e1c chi ph\u00ed sinh ho\u1ea1t v\u00e0 ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe ng\u00e0y c\u00e0ng t\u0103ng n\u00e0y. Khi chi ph\u00ed y t\u1ebf v\u00e0 chi ph\u00ed sinh ho\u1ea1t n\u00f3i chung t\u0103ng l\u00ean, n\u00f3 g\u00e2y \u00e1p l\u1ef1c l\u00ean c\u1ea3 ng\u01b0\u1eddi cao tu\u1ed5i v\u1ec1 h\u01b0u v\u00e0 ch\u01b0\u01a1ng tr\u00ecnh An sinh x\u00e3 h\u1ed9i.<\/p>\n\n\n\n

T\u0103ng tr\u01b0\u1edfng kinh t\u1ebf ch\u1eadm l\u1ea1i<\/h3>\n\n\n\n

Khi t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf ch\u1eadm l\u1ea1i, s\u1ed1 ng\u01b0\u1eddi c\u00f3 vi\u1ec7c l\u00e0m gi\u1ea3m v\u00e0 t\u0103ng tr\u01b0\u1edfng ti\u1ec1n l\u01b0\u01a1ng th\u01b0\u1eddng b\u1ecb \u0111\u00ecnh tr\u1ec7. V\u00ec h\u1ec7 th\u1ed1ng An sinh X\u00e3 h\u1ed9i ph\u1ee5 thu\u1ed9c v\u00e0o thu\u1ebf thu nh\u1eadp t\u1eeb vi\u1ec7c l\u00e0m v\u00e0 ti\u1ec1n l\u01b0\u01a1ng, n\u00ean t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf ch\u1eadm l\u1ea1i s\u1ebd l\u00e0m gi\u1ea3m ngu\u1ed3n thu c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh. N\u1ebfu n\u1ec1n kinh t\u1ebf tr\u00ec tr\u1ec7 ho\u1eb7c suy gi\u1ea3m trong m\u1ed9t th\u1eddi gian d\u00e0i, ngu\u1ed3n t\u00e0i tr\u1ee3 cho An sinh X\u00e3 h\u1ed9i c\u00f3 th\u1ec3 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi \u00e1p l\u1ef1c l\u1edbn h\u01a1n. <\/p>\n\n\n\n

T\u00e1c \u0111\u1ed9ng \u0111\u1ebfn gi\u1edbi tr\u1ebb v\u00e0 nh\u1eefng ng\u01b0\u1eddi s\u1eafp ngh\u1ec9 h\u01b0u<\/h2>\n\n\n\n

T\u01b0\u01a1ng lai c\u1ee7a h\u1ec7 th\u1ed1ng An sinh x\u00e3 h\u1ed9i s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u1ea3 ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u00e0 ng\u01b0\u1eddi v\u1ec1 h\u01b0u: <\/p>\n\n\n\n

Nh\u1eefng lo ng\u1ea1i v\u1ec1 vi\u1ec7c tr\u00ec ho\u00e3n ngh\u1ec9 h\u01b0u\u00a0<\/h3>\n\n\n\n

Kho\u1ea3ng 7 tr\u00ean 10 c\u00f4ng nh\u00e2n<\/a> Nhi\u1ec1u ng\u01b0\u1eddi lo l\u1eafng v\u1ec1 vi\u1ec7c ph\u1ea3i tr\u00ec ho\u00e3n ngh\u1ec9 h\u01b0u. Nhi\u1ec1u nh\u00e2n vi\u00ean tr\u1ebb lo s\u1ee3 h\u1ecd s\u1ebd ph\u1ea3i l\u00e0m vi\u1ec7c \u0111\u1ebfn t\u1eadn nh\u1eefng n\u0103m th\u00e1ng ngh\u1ec9 h\u01b0u. \u00c1p l\u1ef1c t\u00e0i ch\u00ednh l\u00ean h\u1ec7 th\u1ed1ng An sinh x\u00e3 h\u1ed9i c\u00f3 th\u1ec3 khi\u1ebfn m\u1ecdi ng\u01b0\u1eddi ph\u1ea3i l\u00e0m vi\u1ec7c l\u00e2u h\u01a1n tr\u01b0\u1edbc khi \u0111\u01b0\u1ee3c ngh\u1ec9 h\u01b0u.<\/p>\n\n\n\n

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Medbox: M\u1ed9t c\u00e1ch an to\u00e0n h\u01a1n \u0111\u1ec3 u\u1ed1ng thu\u1ed1c<\/h2>\n <\/div>\n \n \n\n B\u1eaft \u0111\u1ea7u<\/span>\n \n \n \n <\/a>\n\n <\/div>\n <\/div>\n <\/section>\n\n\n\n

Lo s\u1ee3 b\u1ecb gi\u1ea3m tr\u1ee3 c\u1ea5p<\/h3>\n\n\n\n

Nhi\u1ec1u ng\u01b0\u1eddi M\u1ef9 lo ng\u1ea1i r\u1eb1ng nh\u1eefng ng\u01b0\u1eddi v\u1ec1 h\u01b0u trong t\u01b0\u01a1ng lai s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c tr\u1ee3 c\u1ea5p An sinh X\u00e3 h\u1ed9i th\u1ea5p h\u01a1n. N\u1ebfu c\u00e1c nh\u00e0 l\u1eadp ph\u00e1p kh\u00f4ng c\u1ee7ng c\u1ed1 t\u00e0i ch\u00ednh c\u1ee7a h\u1ec7 th\u1ed1ng An sinh X\u00e3 h\u1ed9i tr\u01b0\u1edbc khi qu\u1ef9 d\u1ef1 tr\u1eef c\u1ea1n ki\u1ec7t, nh\u1eefng ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trong t\u01b0\u01a1ng lai c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n thanh to\u00e1n th\u1ea5p h\u01a1n theo lu\u1eadt hi\u1ec7n h\u00e0nh. <\/p>\n\n\n\n

Th\u00e1i \u0111\u1ed9 thay \u0111\u1ed5i \u0111\u1ed1i v\u1edbi vi\u1ec7c l\u1eadp k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u<\/h3>\n\n\n
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\n\n \n \n \n \n \n \"retirement-planning\"\n <\/picture>\n\n<\/figure>\n<\/div>\n\n\n

Nhi\u1ec1u ng\u01b0\u1eddi M\u1ef9 kh\u00f4ng c\u00f2n tin r\u1eb1ng b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i s\u1ebd \u0111\u1ea3m b\u1ea3o cho h\u1ecd m\u1ed9t kho\u1ea3n thu nh\u1eadp \u0111\u1ee7 s\u1ed1ng khi v\u1ec1 h\u01b0u. Nh\u1eefng ng\u01b0\u1eddi lao \u0111\u1ed9ng tr\u1ebb \u0111ang t\u1eadp trung v\u00e0o vi\u1ec7c ti\u1ebft ki\u1ec7m, \u0111\u1ea7u t\u01b0 v\u00e0 tham gia c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh h\u01b0u tr\u00ed do ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng cung c\u1ea5p.<\/p>\n\n\n\n

B\u1ea5t b\u00ecnh \u0111\u1eb3ng thu nh\u1eadp ng\u00e0y c\u00e0ng gia t\u0103ng trong s\u1ed1 ng\u01b0\u1eddi v\u1ec1 h\u01b0u<\/h3>\n\n\n\n

Kho\u1ea3ng c\u00e1ch thu nh\u1eadp gi\u1eefa nh\u1eefng ng\u01b0\u1eddi v\u1ec1 h\u01b0u c\u00f3 kh\u1ea3 n\u0103ng s\u1ebd ti\u1ebfp t\u1ee5c gia t\u0103ng. Nh\u1eefng ng\u01b0\u1eddi c\u00f3 kho\u1ea3n ti\u1ebft ki\u1ec7m, l\u01b0\u01a1ng h\u01b0u v\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00e1ng k\u1ec3 s\u1ebd chu\u1ea9n b\u1ecb t\u1ed1t cho vi\u1ec7c ngh\u1ec9 h\u01b0u. Nh\u01b0ng nh\u1eefng ng\u01b0\u1eddi v\u1ec1 h\u01b0u c\u00f3 thu nh\u1eadp th\u1ea5p h\u01a1n s\u1ebd ph\u1ea3i d\u1ef1a v\u00e0o tr\u1ee3 c\u1ea5p An sinh x\u00e3 h\u1ed9i \u0111\u1ec3 trang tr\u1ea3i chi ph\u00ed sinh ho\u1ea1t.<\/p>\n\n\n\n

L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u01b0\u01a1ng lai c\u1ee7a b\u1ea1n<\/h2>\n\n\n\n

M\u1eb7c d\u00f9 t\u01b0\u01a1ng lai c\u1ee7a h\u1ec7 th\u1ed1ng An sinh X\u00e3 h\u1ed9i v\u1eabn c\u00f2n nhi\u1ec1u b\u1ea5t \u0111\u1ecbnh, nh\u01b0ng b\u1ea1n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 b\u01b0\u1edbc \u0111\u1ec3 chu\u1ea9n b\u1ecb: <\/p>\n\n\n\n

Ti\u1ebft ki\u1ec7m s\u1edbm cho vi\u1ec7c ngh\u1ec9 h\u01b0u<\/h3>\n\n\n\n

C\u00e1ch t\u1ed1t nh\u1ea5t \u0111\u1ec3 chu\u1ea9n b\u1ecb cho vi\u1ec7c ngh\u1ec9 h\u01b0u l\u00e0 b\u1eaft \u0111\u1ea7u... x\u00e2y d\u1ef1ng kho\u1ea3n ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed c\u1ee7a b\u1ea1n<\/a> C\u00e0ng s\u1edbm c\u00e0ng t\u1ed1t. Ngay c\u1ea3 khi b\u1ea1n ch\u1ec9 c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m m\u1ed9t \u00edt ti\u1ec1n m\u1ed7i th\u00e1ng, kho\u1ea3n ti\u1ec1n ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea1n c\u0169ng s\u1ebd t\u00edch l\u0169y theo th\u1eddi gian. L\u00e3i k\u00e9p l\u00e0 ng\u01b0\u1eddi b\u1ea1n t\u1ed1t c\u1ee7a b\u1ea1n, v\u00e0 b\u1ea1n c\u00e0ng b\u1eaft \u0111\u1ea7u ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed s\u1edbm, b\u1ea1n c\u00e0ng c\u00f3 nhi\u1ec1u s\u1ef1 linh ho\u1ea1t h\u01a1n trong cu\u1ed9c s\u1ed1ng sau n\u00e0y.<\/p>\n\n\n\n

\u0110\u1ea7u t\u01b0 m\u1ed9t c\u00e1ch kh\u00f4n ngoan<\/h3>\n\n\n\n

Ch\u1ec9 d\u1ef1a v\u00e0o ti\u1ec1n ti\u1ebft ki\u1ec7m c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u01b0\u01a1ng lai t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n sau khi ngh\u1ec9 h\u01b0u. \u0110\u1ea7u t\u01b0 c\u00f3 th\u1ec3 gi\u00fap kho\u1ea3n ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed c\u1ee7a b\u1ea1n t\u0103ng tr\u01b0\u1edfng theo th\u1eddi gian \u0111\u1ed3ng th\u1eddi b\u1ea3o v\u1ec7 s\u1ee9c mua c\u1ee7a b\u1ea1n tr\u01b0\u1edbc l\u1ea1m ph\u00e1t. M\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111a d\u1ea1ng k\u1ebft h\u1ee3p v\u1edbi k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh h\u1ee3p l\u00fd c\u00f3 th\u1ec3 gi\u00fap gi\u1ea3m r\u1ee7i ro v\u00e0 mang l\u1ea1i s\u1ef1 an to\u00e0n t\u00e0i ch\u00ednh l\u1edbn h\u01a1n trong su\u1ed1t th\u1eddi gian ngh\u1ec9 h\u01b0u.<\/p>\n\n\n\n

X\u00e2y d\u1ef1ng nhi\u1ec1u ngu\u1ed3n thu nh\u1eadp<\/h3>\n\n\n\n

B\u1ea1n n\u00ean c\u00e2n nh\u1eafc ngu\u1ed3n thu nh\u1eadp h\u01b0u tr\u00ed t\u1eeb nhi\u1ec1u ngu\u1ed3n kh\u00e1c nhau. Vi\u1ec7c d\u1ef1a v\u00e0o nhi\u1ec1u ngu\u1ed3n thu nh\u1eadp h\u01b0u tr\u00ed c\u00f3 th\u1ec3 gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro t\u00e0i ch\u00ednh v\u00e0 mang l\u1ea1i s\u1ef1 linh ho\u1ea1t h\u01a1n n\u1ebfu \u0111i\u1ec1u ki\u1ec7n kinh t\u1ebf ho\u1eb7c c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh c\u1ee7a ch\u00ednh ph\u1ee7 thay \u0111\u1ed5i. C\u00f3 nhi\u1ec1u ngu\u1ed3n thu nh\u1eadp h\u01b0u tr\u00ed, ch\u1eb3ng h\u1ea1n nh\u01b0 l\u01b0\u01a1ng h\u01b0u, ti\u1ec1n ti\u1ebft ki\u1ec7m, \u0111\u1ea7u t\u01b0, thu nh\u1eadp t\u1eeb cho thu\u00ea nh\u00e0, ho\u1eb7c vi\u1ec7c l\u00e0m b\u00e1n th\u1eddi gian cho ng\u01b0\u1eddi v\u1ec1 h\u01b0u<\/a>, \u0110i\u1ec1u n\u00e0y s\u1ebd mang l\u1ea1i cho b\u1ea1n s\u1ef1 linh ho\u1ea1t v\u1ec1 t\u00e0i ch\u00ednh h\u01a1n v\u00e0 gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng x\u1eed l\u00fd c\u00e1c chi ph\u00ed ph\u00e1t sinh b\u1ea5t ng\u1edd.<\/p>\n\n\n\n

N\u00ean tr\u00ec ho\u00e3n vi\u1ec7c ngh\u1ec9 h\u01b0u n\u1ebfu c\u00f3 th\u1ec3.<\/h3>\n\n\n\n

L\u00e0m vi\u1ec7c th\u00eam v\u00e0i n\u0103m c\u00f3 th\u1ec3 mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch cho vi\u1ec7c ngh\u1ec9 h\u01b0u c\u1ee7a b\u1ea1n. B\u1ea1n s\u1ebd c\u00f3 th\u00eam th\u1eddi gian \u0111\u1ec3 ti\u1ebft ki\u1ec7m, v\u00e0 vi\u1ec7c tr\u00ec ho\u00e3n nh\u1eadn tr\u1ee3 c\u1ea5p An sinh x\u00e3 h\u1ed9i c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c nhi\u1ec1u h\u01a1n. t\u0103ng tr\u1ee3 c\u1ea5p h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n<\/a>, gi\u00fap c\u1ee7ng c\u1ed1 an ninh t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n

N\u00e2ng cao ki\u1ebfn th\u1ee9c v\u00e0 k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh<\/h3>\n\n\n\n

C\u00f3 l\u1ebd vi\u1ec7c h\u1ecdc v\u1ec1 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n \u0111\u00e3 tr\u1edf n\u00ean quan tr\u1ecdng h\u01a1n bao gi\u1edd h\u1ebft. Khi b\u1ea1n bi\u1ebft c\u00e1ch l\u1eadp ng\u00e2n s\u00e1ch chi ti\u00eau, qu\u1ea3n l\u00fd n\u1ee3, l\u00ean k\u1ebf ho\u1ea1ch cho nhu c\u1ea7u y t\u1ebf v\u00e0 hi\u1ec3u r\u00f5 c\u00e1c l\u1ef1a ch\u1ecdn ngh\u1ec9 h\u01b0u c\u1ee7a m\u00ecnh, b\u1ea1n s\u1ebd c\u00f3 th\u1ec3 \u0111\u01b0a ra nh\u1eefng quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh t\u1ed1t h\u01a1n. L\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u1ea9n th\u1eadn c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n th\u00edch \u1ee9ng v\u1edbi nh\u1eefng thay \u0111\u1ed5i trong h\u1ec7 th\u1ed1ng An sinh x\u00e3 h\u1ed9i, qu\u1ea3n l\u00fd c\u00e1c kho\u1ea3n chi ph\u00ed b\u1ea5t ng\u1edd v\u00e0 \u0111\u01b0a ra nh\u1eefng quy\u1ebft \u0111\u1ecbnh ngh\u1ec9 h\u01b0u s\u00e1ng su\u1ed1t.<\/p>\n\n\n\n

\u0110i\u1ec1u g\u00ec c\u00f3 th\u1ec3 thay \u0111\u1ed5i trong t\u01b0\u01a1ng lai?\u00a0<\/h2>\n\n\n\n

M\u1eb7c d\u00f9 ch\u01b0a c\u00f3 quy\u1ebft \u0111\u1ecbnh cu\u1ed1i c\u00f9ng n\u00e0o \u0111\u01b0\u1ee3c \u0111\u01b0a ra, c\u00e1c nh\u00e0 ho\u1ea1ch \u0111\u1ecbnh ch\u00ednh s\u00e1ch \u0111\u00e3 \u0111\u1ec1 xu\u1ea5t m\u1ed9t s\u1ed1 c\u00e1ch \u0111\u1ec3 c\u1ea3i thi\u1ec7n t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n c\u1ee7a h\u1ec7 th\u1ed1ng An sinh X\u00e3 h\u1ed9i. Nh\u1eefng c\u00e1ch n\u00e0y bao g\u1ed3m vi\u1ec7c t\u0103ng d\u1ea7n tu\u1ed5i ngh\u1ec9 h\u01b0u \u0111\u1ea7y \u0111\u1ee7, n\u00e2ng ho\u1eb7c lo\u1ea1i b\u1ecf m\u1ee9c tr\u1ea7n thu\u1ebf l\u01b0\u01a1ng, t\u0103ng thu\u1ebf su\u1ea5t l\u01b0\u01a1ng, \u0111i\u1ec1u ch\u1ec9nh c\u00f4ng th\u1ee9c t\u00ednh tr\u1ee3 c\u1ea5p cho ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp cao h\u01a1n, ho\u1eb7c \u0111i\u1ec1u ch\u1ec9nh m\u1ee9c t\u0103ng chi ph\u00ed sinh ho\u1ea1t h\u00e0ng n\u0103m (COLA). B\u1ea5t k\u1ef3 thay \u0111\u1ed5i n\u00e0o c\u0169ng c\u1ea7n s\u1ef1 ch\u1ea5p thu\u1eadn c\u1ee7a Qu\u1ed1c h\u1ed9i v\u00e0 c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn nh\u1eefng ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng hi\u1ec7n t\u1ea1i v\u00e0 t\u01b0\u01a1ng lai theo nh\u1eefng c\u00e1ch kh\u00e1c nhau. <\/p>\n\n\n\n

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Nh\u00e0 thu\u1ed1c c\u1ee7a ch\u00fang t\u00f4i s\u1ebd ph\u00e2n lo\u1ea1i v\u00e0 \u0111\u00f3ng g\u00f3i thu\u1ed1c cho b\u1ea1n.<\/h2>\n <\/div>\n \n \n\n \u0110\u0103ng k\u00fd tr\u1ef1c tuy\u1ebfn<\/span>\n \n \n \n <\/a>\n\n <\/div>\n <\/div>\n <\/section>\n\n\n\n

T\u00f3m l\u1ea1i: T\u01b0\u01a1ng lai c\u1ee7a h\u1ec7 th\u1ed1ng an sinh x\u00e3 h\u1ed9i\u00a0<\/h2>\n\n\n\n

M\u1eb7c d\u00f9 t\u01b0\u01a1ng lai l\u00e2u d\u00e0i c\u1ee7a h\u1ec7 th\u1ed1ng An sinh X\u00e3 h\u1ed9i s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u00e1c nh\u00e0 l\u1eadp ph\u00e1p, vi\u1ec7c x\u00e2y d\u1ef1ng qu\u1ef9 ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed c\u00e1 nh\u00e2n v\u00e0 \u0111a d\u1ea1ng h\u00f3a ngu\u1ed3n thu nh\u1eadp h\u01b0u tr\u00ed v\u1eabn l\u00e0 nh\u1eefng c\u00e1ch hi\u1ec7u qu\u1ea3 nh\u1ea5t \u0111\u1ec3 chu\u1ea9n b\u1ecb cho t\u01b0\u01a1ng lai. B\u1eb1ng c\u00e1ch ti\u1ebft ki\u1ec7m \u0111\u1ec1u \u0111\u1eb7n, \u0111\u1ea7u t\u01b0 kh\u00f4n ngoan v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch tr\u01b0\u1edbc, b\u1ea1n c\u00f3 th\u1ec3 c\u1ee7ng c\u1ed1 an ninh t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh b\u1ea5t k\u1ec3 ch\u01b0\u01a1ng tr\u00ecnh An sinh X\u00e3 h\u1ed9i ph\u00e1t tri\u1ec3n nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

N\u0103m 1950, trung b\u00ecnh c\u1ee9 kho\u1ea3ng 16 ng\u01b0\u1eddi lao \u0111\u1ed9ng th\u00ec c\u00f3 m\u1ed9t ng\u01b0\u1eddi h\u01b0\u1edfng tr\u1ee3 c\u1ea5p An sinh X\u00e3 h\u1ed9i. Ng\u00e0y nay, con s\u1ed1 n\u00e0y gi\u1ea3m xu\u1ed1ng c\u00f2n ch\u01b0a \u0111\u1ebfn ba ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ed7 tr\u1ee3 cho m\u1ed7i ng\u01b0\u1eddi h\u01b0\u1edfng tr\u1ee3 c\u1ea5p An sinh X\u00e3 h\u1ed9i, v\u00e0 t\u1ef7 l\u1ec7 n\u00e0y d\u1ef1 ki\u1ebfn s\u1ebd ti\u1ebfp t\u1ee5c gi\u1ea3m. Khi t\u1ef7 l\u1ec7 sinh ti\u1ebfp t\u1ee5c gi\u1ea3m v\u00e0 tu\u1ed5i th\u1ecd trung b\u00ecnh t\u0103ng l\u00ean, s\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ed7 tr\u1ee3 cho s\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi ngh\u1ec9 h\u01b0u ng\u00e0y c\u00e0ng t\u0103ng s\u1ebd gi\u1ea3m, g\u00e2y \u00e1p l\u1ef1c t\u00e0i ch\u00ednh ng\u00e0y c\u00e0ng l\u1edbn l\u00ean h\u1ec7 th\u1ed1ng An sinh X\u00e3 h\u1ed9i. <\/p>","protected":false},"author":24,"featured_media":16146,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[208],"tags":[68,129,209,284,314],"class_list":["post-16145","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-retirement","tag-income","tag-finance","tag-social-security","tag-retirement-planning"],"acf":[],"yoast_head":"\nThe Future of Social Security: Why the System Is Under Pressure and How to Prepare | MedBox | Medications Sorted By Dose | Full-Service Pharmacy<\/title>\n<meta name=\"description\" content=\"Learn about the future of Social Security, why the program faces funding challenges, and how to prepare for potential retirement changes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/medbox.com\/vi\/the-future-of-social-security-why-the-system-is-under-pressure-and-how-to-prepare\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Future of Social Security: Why the System Is Under Pressure and How to Prepare | MedBox | Medications Sorted By Dose | Full-Service Pharmacy\" \/>\n<meta property=\"og:description\" content=\"Learn about the future of Social Security, why the program faces funding challenges, and how to prepare for potential retirement 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