Demographics are changing, what does that bring us? (Notes)

With much attention, the data of the 7th population census was released, and the main data results of the 7th national census showed:

The population aged 0~14 years was 253.38 million people, accounting for 17.95%.

The population aged 15 to 59 is 894.38 million people accounting for 63.35%.

The population aged 60 and above is 264.02 million people, accounting for 18.70%.

Among them, the population aged 65 and above is 19.064 million people, accounting for 13.50%.

Compared with 2010, the proportion of the population aged 0 to 14, 15 to 59, and 60 and above increased by 1.35 percentage points, decreased by 6.79 percentage points and increased by 5.44 percentage points respectively.

China's proportion of the child population rebounded, the adjustment of fertility policy has achieved results, while the degree of population aging has further deepened, and will continue to face the pressure of long-term balanced development of the population for a period of time in the future.

The demographic structure of the current problems faced by the aging less children.

The newborn population continues to decline, after the full liberalization of two children, the policy stimulus is far less than expected.

The newborn population continues to decline in the future, the probability of maintaining at about 10 million.

How does this affect China's economy?

How does it affect our choices?

How does it affect our wealth allocation?

The basic logic of economic evolution: demographic change affects the change of demand, the change of demand affects the change of market, the change of market affects the change of wealth.

The impact of demographic change in the 80s and 90s, and now.

Impact on the real estate industry?

The impact on real estate will be more complex given the vastness and importance of our country.

Population movement, the inflow of population can rely on the young people from outside to provide potential demand for homeownership, while the outflow of population faces the loss of young people and insufficient support for real estate.

Urbanization, the lower the urbanization rate, the local villagers will bring potential demand for urban villagers, people working outside the home may still return home to buy homes to complete the local urbanization, the outflow of the real estate market, there is a greater downward adjustment pressure.

Demographic structure, there are differences in the data of population institutions around the world, the age of the population (just demand, improvement) is different, there are differences in real estate consumption, the impact on real estate around the world is different.

Which industries are pregnant with new development opportunities?

According to the life cycle hypothesis of Frank Modigliani (June 18, 1918~September 25, 2003):

Teens and young people, lower income, future income improvement before, the scenery is large, the desire to consume more, there is the phenomenon of over-consumption, the potential demand for consumption is strong.

Middle-aged, income into a stable period, pay off young debt, for the elderly to carry out the corresponding prescription was more income than consumption, but the proportion of consumption is lower than when young, consumption is more rational.

Elderly, income declines, the proportion of consumption increases, the total amount of consumption in this period is greater than the total amount of income.

If the demographic proportions of a society change, the marginal propensity to consume also changes.

Silver economy?

Currently, many Chinese seniors have more desirable wealth accumulation and income status, which makes seniors have a strong interest in high-level enjoyment-type consumption, such as leisure, entertainment, and tourism interests, in addition to health investments, which is the basis for the huge scale of the R&D economy.

In 2021, the scale of China's silver hair economy industry can reach 5.7 trillion yuan.

Elderly care, leisure and entertainment, health care, clothing, food, housing and transportation.

The economy facing the elderly has a very large volume, and in the future to earn money to earn the money of the elderly.

Sugar Bean APP is an APP for the elderly to dance in square dance.

Shoes for the elderly foot health.

Silver hair economy boom.

Sina Finance, the silver hair economy boom, this year has added about 39,000 old-related businesses.

The silver hair economy is here, and the size of the senior entertainment market will reach 882 billion yuan in 2021.

The civil law economy has been called the senior economy, which is known as the sunrise industry of the 21st world, including traditional aging industries, such as clothing food transportation, health care, and senior welfare facilities, as well as modern aging industries.

Such as entertainment and tourism, housing, education for the elderly and other industries. It has a broad prospect and great potential for development.

Emerging high-tech and high value-added industries.

In 2035, China will build such a country, nine strong country, manufacturing strong country, culture strong country, network strong country, quality strong country, education strong country, sports strong country, science and technology strong country, talent strong country, transportation strong country.

Focusing on a new generation of information technology biotechnology, new energy and new materials, high-end equipment, new energy vehicles, green environmental protection and aerospace, marine equipment and other strategic emerging industries to accelerate the application of key core technology innovation.

Enhance the ability of factor security, cultivate and grow new momentum of industrial development. In-depth promotion of the national strategic emerging industry cluster development project, sound industrial cluster organization and management and specialization to promote the mechanism of building innovation and public **** service complex to build a number of unique advantages complement each other, a reasonable strategic, emerging industry growth engine.

The People's Republic of China **** and the State of the national economy and social development of the 15th five-year plan and 2035 Vision Outline, Title 3, Chapter 9.

Why develop strategic emerging high value-added industries?

Strategic emerging industries are the industries that are based on major technological breakthroughs and major development demands, have a significant leading and driving effect on the overall economic and social situation and long-term development, are knowledge and technology intensive, consume less material resources, have great growth potential and have good comprehensive benefits. High technological content, high profit potential.

For ordinary people, from the career, investment point of view?

Traditional industries have limited space for development and increased internal competitive differentiation.

Increased uncertainty in emerging industries, increased competition between regions and within industries, leading to increased uncertainty.

The common man's choice suggests betting on both ends.

Where are the opportunities? In the midst of new era trends.

Join the ripples of emerging industries, consumer upgrading trend, policy support for the development of high-tech industries, pension industry, consumer upgrades and other industries, these are broad space for the future of the industry.

Practice, investment, must recognize the risk, do not have a gambler's mentality.

The big change of the century, must be cautious investment.

Learn to invest and do investment, trust the professionals, the development opportunities of emerging industries, through the fund stock investment, enjoy the dividends of industrial development. Learn more about professional scientific investment knowledge.

Both the importance of rare opportunities, but also to do a good job of risk-free foundation.

Build a firm foundation of family wealth before wrestling with potential high-yield opportunities.

Take full advantage of risk-free or very low-risk financial products to keep your family's wealth sound and safe.

What are the risk-free financial assets that you can choose from

1, high-credit bonds treasury bonds, national credit guarantee, safe and risk-free.

2, bank deposits deposit insurance system to protect a single bank deposits of less than 500,000 risk-free.

3, part of the insurance products, annuity insurance increments, whole life insurance products product benefits, all in the contract states that safe and risk-free, to solve the problem of pension capital flow funds savings and value-added.

Universal insurance product contracts to date guaranteed interest rates, guaranteed interest rates, to realize the investment, risk-free, settlement rates, monthly settlement rates, to realize the high return on asset investment.

Universal account description, guaranteed interest rate, are written in the contract pay attention to the terms of the insurance contract guaranteed interest rate between 1.5% and 3%.

Settlement rate, that is, the current rate of return on investment, universal account income belongs to the financial industry's leading income level.

The additional money can be collected, the hands of money can be added to enjoy the high yield, need to use the money can be collected to solve the household expenditure (part of the additional, the additional will be involved in the subscription and redemption costs.)

Summary:

China's demographics are changing

#Markets are changing and bringing great opportunities

#Changes are accompanied by great uncertainty

#Uncertainty brings great risk

#Learn to invest in a stable investment, and invest steadily in preserving your family's wealth and assets

#Dare to seize the opportunity. Grab the wealth opportunities brought about by emerging industries and consumer upgrades

#Bet on both sides of the coin, balancing risk and return

#The common man's choice suggests betting on both sides of the coin

#Where are the opportunities? In the midst of new era trends