EP2｜退休制度正在翻轉，你準備好了嗎？退休結構正三角 vs 倒三角：台灣、德國及英國的退休對比

from 原來人生可以這樣 – Life, Unexpectedly · host 滑雪小魔

你對「退休」的想像，是建立在一個仍然存在的制度上，還是早已變形的現實？這一集，我想帶你重新理解我們長大過程中被灌輸的「三角形退休結構」：政府會養你、公司給退休金、你再補一點投資。但現實真的還是這樣嗎？我們正在見證這個結構翻轉成「倒三角」，個人理財成為核心主力。尤其是像台灣這樣制度不健全的地方，反而早一步逼大家走入這樣的路線。而德國依然深信國家養老的神話，英國則用政策悄悄推動一場理財改革。 🧭 本集你會聽到：傳統的「正三角」退休結構是什麼？為何撐不下去了？台灣人為什麼早就開始用倒三角思維面對退休？德國為何看似富裕，卻在退休安全上潛藏隱憂？英國政府近年如何透過 ISA、megafunds 與稅務改革，讓「主動理財」成為新常態？ 💬 想聊聊這一集的內容？歡迎追蹤我 👉 Instagram：https://instagram.com/snowmo.wanders Facebook 粉專：https://facebook.com/crazycatinNomad 部落格：https://blog.crazysbcat.com 留言或私訊都可以，我會親自回覆你 ✉️ -- Hosting provided by SoundOn

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EP2｜退休制度正在翻轉，你準備好了嗎？退休結構正三角 vs 倒三角：台灣、德國及英國的退休對比

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