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カテゴリー
独身65歳「年金13万円」毎月貯金を切り崩し…定年後の末路



1: ボラえもん ★ 2021/03/18(木) 00:00:02.97 ID:s40+LFh19
日々発表される統計や調査の結果を読み解けば、経済、健康、教育など、さまざまな一面がみえてきます。
今回は「単身高齢者の暮らし」について焦点をあてていきます。

■結婚か、独身か…定年後の生活を比較
42歳、東京都に住む、ある独身会社員。最近、マンションの購入を考えています。その理由を聞くと……

「いまは賃貸を借りるのも苦労はないけど、年を取った時に『高齢者には部屋を貸さない』なんてこと言われて、路頭に迷ったら大変だから」

本人は普段から結婚することはないと言っていますが、最近、20~30年後を考えると恐ろしくなるとのこと。
そのひとつが住まいの問題。高齢化が進むなか、不動産業界では有力なターゲットとして高齢者にリーチしようとする動きがあります。
一方で孤独死などの問題から、いまなお高齢者を避けたいとするオーナーも少なくありません。

総務省『2019年全国家計構造調査』で、高齢者世帯における単身世帯と二人以上世帯について、月々の生活について見ていきましょう。

【世帯主が65歳以上の二人以上世帯(無職)】
世帯人数 2.49人
実収入 30万5904円
可処分所得 26万7742円
公的年金給付 22万4852円
実支出 28万1600円
消費支出 24万3438円
食費 7万4211円
住居費 1万7708円
保険医療費 1万6505円
教養娯楽費 1万5434円
黒字(可処分所得-消費支出) 2万4304円

【65歳以上の単身世帯(無職)】
実収入 14万8643円
可処分所得 13万6674円
公的年金給付 13万3211円
実支出 15万3455円
消費支出 14万1487円
食費 4万247円
住居費 1万5215円
保険医療費 8892円
教養娯楽費 1万765円
黒字(可処分所得-消費支出) 4813円

平均世帯人数は2.49人。
毎月、22万円強の公的年金を受け取り、2万円強の手残りが発生している……というのが、結婚を選択した人の定年後、65歳以上の平均的な姿です。

一方、独身を貫いた人が毎月手にする公的年金は13万円強。収入を支出を若干上回るため、その分は、貯蓄からまかなう……これが65歳以上の平均的な姿です。

(以下略、全文はソースにて)
https://gentosha-go.com/articles/-/32431

★1が立った時間:2021/03/17(水) 22:28:32.81
※前スレ
https://asahi.5ch.net/test/read.cgi/newsplus/1615987712/

引用元: ・【社会】独身65歳「年金13万円」毎月貯金を切り崩し…定年後の末路 ★2 [ボラえもん★]

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