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目前,我国社会养老保障体系的三大支柱分别是社会保险、企业年金与个人商业养老保险。但社会保险只能保障退休后最基本的生活,而企业年金则要依赖于单位是否愿意购买。如果社保有限,再加上其他生活费用以及巨额的医疗费用支出,要保持一个相对较高水平的退休
At present, the three pillars of China’s social pension insurance system are social insurance, enterprise annuity and personal commercial endowment insurance. However, social insurance can only guarantee the most basic life after retirement, and the enterprise annuity depends on whether the unit is willing to buy. If the social security is limited, plus other living expenses and huge medical expenses, to maintain a relatively high level of retirement