想想都可怕，2050年，谁来给我们养老呢？

Group 1 - By 2050, the elderly population aged 60 and above in China is expected to reach nearly 500 million, accounting for over one-third of the total population [1] - The new social insurance regulations mandate that both employers and employees must contribute to social insurance, rendering any agreements to waive contributions invalid [3][5][6] - The enforcement of mandatory social insurance is seen as a significant burden for small enterprises and low-income individuals, as it eliminates the previous flexibility in contributions [10][11] Group 2 - The calculation of social insurance contributions is based on a formula that includes the contribution base and respective rates for employers and employees [16][17] - Pension benefits after retirement are derived from two components: the basic account pension and the personal account pension, with the latter being influenced by the individual's contributions [20][21] - Concerns about the sustainability of the social insurance fund are rising due to an aging population and declining birth rates, with predictions suggesting that pension funds may be depleted by 2035 [31][32] Group 3 - The government is exploring solutions to address potential pension shortfalls, including leveraging state-owned assets and implementing gradual retirement age increases [32][33] - The societal implications of a significant elderly population without adequate social security could lead to increased poverty and social unrest, highlighting the necessity of preemptive funding for social insurance [37]