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Ageing and Retirement - Coggle Diagram
Ageing and Retirement
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Causes
Demographic shifts – More people living longer, fewer young people entering the workforce.
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Neoliberal economic reforms – Reduced state welfare and increased individual responsibility for retirement planning.
Examples/Data
By 2048, 1 in 4 New Zealanders will be aged 65 or older (Stats NZ).
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Home ownership among over-65s is declining, falling from 82% in 2001 to around 73% in 2023.
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Theoretical Perspectives
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Believes poverty and insecurity among the elderly are caused by inadequate state support, housing unaffordability, and labour market inequality.
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- Individualistic Perspective
Attributes financial hardship in old age to personal choices, such as not saving or preparing adequately for retirement.
Emphasises personal responsibility, budgeting, and continued participation in the workforce.
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Policy Solutions
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Invest in healthcare and aged care services, ensuring equitable access.
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