未来，很多中产会老后破产

成为中产不易，中产却很容易返贫最终破产。

去年以来，“中产返贫”现象引发了热烈讨论，所谓“中产返贫”，指的是部分中产们辛辛苦苦赚来的钱，因为不恰当的资金分配，再遇上了经济下行期，收入减少而导致返贫现象。

根据胡润百富，中产准入门槛必须要在扣除各种负债后，家庭资产达到300万元，家庭年收入在20万以上，一线城市家庭年收入30万以上。

为什么中产们手握几百万的资产，还如此不堪一击？

主要是三个原因。

一，因孩返贫。

观察一下，近10年来，互联网、教培、制造业等发展红火，而不少人因为从事这些产业实现了阶级跃迁，摇身一变成了中产。某种层面来说，中产阶层是时代特定时期下的产物。

踩中了时代时代的风口上，完全有可能顺势而起，但也会因经济红利期的消失退潮而去

，一旦所在岗位的产业衰败，收入也跟着一落千丈。

过了红利期，财富增长速度变慢甚至迅速下降，但是

向来焦虑的中产，早已将赚来的钱倾注到下一代身上，希望为孩子的人生保值。

于是，辅导机构、学区房、课外兴趣班、上国际学校、出国留学等等，鸡娃的同时，资金也如流水般溜走，而教育一旦开始，也很难按下暂停键，于是，有网友把这称为

“因孩返贫”。

二，是因投资返贫。

中产将辛苦赚来的钱，买了劣质资产。这些资产，或是理财产品，或是股票基金，或是二三线城市房产等等，原想着靠这些资产实现钱生钱，哪知道赶上了理财暴雷、A股慢熊，房地产开启新周期，去金融化属性，此前的投资美梦都破碎了。

三，没有提前规划养老钱，导致老后破产。

以前退休的人靠社保养老金可以生活得挺好，但以后年轻人越来越少，再加上人越来越长寿，退休后还要生活二三十年甚至更久，

我们未来能享受到的退休金待遇，可能不及父辈们的一半。

这个变化对中产的冲击，是巨大的。如果没有提前准备，我们很可能在退休后返贫。

日本知名纪录片《老后破产》，给我们揭示了这样一个真相：许多日本老年人即使在年轻时工作很不错，也难逃“老后破产”的命运，而导致生活穷困潦倒的重要原因，就是因为年轻时没有存下应急养老的积蓄。

纪录片中的受访者河口直言：

“年轻时，根本就没想过老年生活会这么困难，现在的情况和当年四五十岁想象的天差地别。”

面对返贫危机，中产们应该如何自救呢？

我们有两个建议：

1、增强家庭财务的确定性

时代的不确定性正在加深，建议中产家庭们调整资产配比，配置更多安全稳健、收益确定的类现金资产。

一方面，这类资产可以抵御经济周期变化带来的风险；另一方面，这类资产具有较强的灵活性，方便变现应急。

在保险产品之中，增额寿是一个不错的选择。

增额寿险就好比一个家庭的“财富蓄水池”，这个池子里的钱，需要用到时可以随时提取，不需要时钱就在保单里稳稳增加。增额寿的保单利益是写入合同的，一旦买入，长期锁利，不管外面环境如何变化，保单都不受影响。

以下面这款产品为例，40岁男性，100万的保单，分5年交，年交20万。

交齐总保费的这一年，

保单的现金价值已经超过了总保费，

之后的每一年，保单都会按照表格里的数字稳稳增加。

等过了保单封闭期之后，这笔钱需要用时可以随时变现。

万一发生大病，或是有什么突发情况需要用钱，随时可以通过减保把保单的钱拿出来用。

2、尽早开始规划养老

绝大多数中产都正值中年，这个时候正是规划个人养老金的关键时期，在为下一代、或是父母辈付出的同时，也别忘了老来的自己。

养老，我们推荐用养老年金来规划。

养老年金是社保之外唯一一种可以提供终身收入现金流的工具，

只要活着，每个月都有钱打到我们的银行卡里，活多久，领多久。

以下面这款产品为例，36岁女性，年交10万，交10年。

从60岁后每年领约10.4万（月领约8600元），活多久，领多久。

到80岁时，累计领取的养老年金约

218万

；如果此时退保，可以一次性再拿回

约62万

，如果此时不退保，可以继续领，领一辈子。

到88岁时，还可以领取约

10.4万祝寿金

，

相当于这一年领了2笔养老年金。

到90岁时，加上祝寿金，累计领取的养老年金约

332万

；如果此时退保，可以一次性再拿回

约30万

，如果此时不退保，可以继续领，领一辈子。

T博士：本硕南京大学，博士中山大学，连续达成国际寿险百万圆桌顶尖会员（6倍MDRT标准，业内不足十万分之三），著有《买对保险：写给忙碌者的保险入门书》（清华大学出版社出版）。

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