加拿大华人移民：想回中国退休养老，各位有何建议？
正文翻译
Retirement in China
原标题：在中国过退休生活
I immigrated to Canada shortly after high school and have lived here for 20 years. I’m now considering retiring back to China in the next 5 to 10 years. While I’m fluent in the language and understand the culture, I know the country has transformed significantly during my absence. I’m concerned about the social and practical challenges of reintegrating after so long. Do you have any suggestions for a Chinese-Canadian looking to navigate this transition smoothly
我高中毕业后不久便移民加拿大，迄今已居住了二十年。目前正考虑在未来五到十年内回国养老。尽管我能说流利的中文，也了解中华文化，但我深知离开的这些年里中国已经发生了翻天覆地的变化。久别重返必然面临诸多社会融入和实际生活的挑战，对此我感到忧虑。对于希望顺利度过这个过渡期的华裔加拿大人，不知各位能否提供一些建议？
Retirement in China
原标题：在中国过退休生活
I immigrated to Canada shortly after high school and have lived here for 20 years. I’m now considering retiring back to China in the next 5 to 10 years. While I’m fluent in the language and understand the culture, I know the country has transformed significantly during my absence. I’m concerned about the social and practical challenges of reintegrating after so long. Do you have any suggestions for a Chinese-Canadian looking to navigate this transition smoothly
我高中毕业后不久便移民加拿大，迄今已居住了二十年。目前正考虑在未来五到十年内回国养老。尽管我能说流利的中文，也了解中华文化，但我深知离开的这些年里中国已经发生了翻天覆地的变化。久别重返必然面临诸多社会融入和实际生活的挑战，对此我感到忧虑。对于希望顺利度过这个过渡期的华裔加拿大人，不知各位能否提供一些建议？
评论翻译
chiefgmj
if the visa situation is not an impediment, plan to travel to the region/ city u want to spend ur golden years, visit and try out living there in the summer and winter, figure out how to use wechat/alipay, and try out the health system. if u can survive these with minimal help, look into senior homes for the time when u really need help. these should take a few years. It will be best if u have feiends doing the same thing or will be with people I want to hang out.
如果签证不是障碍，计划前往您想要度过退休生活的地区或城市，尝试在夏季和冬季前往体验生活，学习使用微信/支付宝，并体验当地的医疗系统。如果您能在几乎不需要帮助的情况下应付这些事务，可以考虑那些在您真正需要帮助时能提供支持的养老院。这些准备可能需要几年时间。如果能有朋友做同样的事或与我想交往的人在一起，那将是最理想的。
ProfessorShort6711
It is much easier to build connections in China than North America.
在中国建立人脉比在北美要容易得多。
ChaseNAX
you won't be able to live a retirement life in China as a Canadian citizen.
您将无法作为加拿大公民在中国度过退休生活。
Top-Fig-8846
Many canadian Chinese live a retirement life in China, like my auntie's family... as long as OP has an apartment, not a big deal
很多加拿大华人选择在中国退休，比如我姑姑一家……只要楼主有房，应该问题不大
ChaseNAX
well yeah they can pay off everything cash without being in the social security system but still, how? living on visa or as illegal immigrants? There's no immigration status for 'foreigner living retirement life in China'.
嗯，他们确实可以用现金付清一切，不需要社保体系，但具体怎么操作呢？是持签证居住还是作为非法移民？中国并没有“外国人在华退休”这种移民身份。
Top-Fig-8846
It works like this: husband Chinese citizen with Canadian PR, wife Canadian citizen, so they can stay together with long term visa. Healthcare is cheap in China and free in Canada for them, for major conditions, fly back to Canada to treat
运作方式如下：丈夫是中国公民，拥有加拿大永久居民身份，妻子是加拿大公民，因此他们可以通过长期签证在中国共同居住。在中国，医疗费用相对较低，而在加拿大，他们可以享受免费医疗。如果遇到重大疾病，他们会飞回加拿大进行治疗。
ChaseNAX
I see so they do need a dependent immigration status.
我明白了，所以他们确实需要依靠亲属的移民身份。
Top-Fig-8846
They usually do
他们通常都是这么做的。
Top-Fig-8846
The dependent status is not difficult to get, foreign children can apply for local parent care giving as well, and they can marry Chinese to get it which is usually not difficult. With a sharp decline in population, foreigners with Chinese origin will only get easier to stay in China for work and life.
要获得依赖身份并不困难，外国子女可以申请照顾本地父母，他们也可以通过与中国公民结婚来获取这一身份，这通常并不困难。随着人口急剧下降，有华裔背景的外国人在中国工作和生活只会变得更加容易。
Annual-Lie7624
他都说了是加拿大华人。。。如果是三代以内的移民后代，那是可以重新获得中国身份证的。
Abject-Computer-8869
這個可以細說嗎？
BleachedChewbacca
得放弃加拿大国籍，然后去公安交250块人民币
Top-Fig-8846
生育率这么个跌法，很快就要开放移民和双重国籍了吧
BleachedChewbacca
不可能
toeknee88125
Why? I personally know a few Chinese Canadians and Chinese Americans that have done this.
为何如此？我私下认识几位华裔加拿大人和华裔美国人已经做到了。
Even today Western retirement savings go a long ways in China where the cost of living is lower
即便在今天，西方的退休储蓄在中国也能过很久，因为这里的生活成本更低。
ChaseNAX
check the replies below. The other dude explained it better.
请看下面的回复。另一个人解释得更清楚。
InformalMix8880
what visa can you get to allow you to stay there for a year or multiple years? if you can get that visa then it probably wont be an issue. you also need a way to get a bank account in China.
要获得哪种签证才能让你在那里待上一年或多年？如果你能拿到那种签证，那可能就不是问题了。你还需要想办法在中国开立银行账户。
ProfessorShort6711
There is permit that allows me to stay for 5 years with the help from parents. And I can apply the five star card later.
有父母帮助，我可以拿到为期五年的居留许可，之后还能申请五星卡。
InformalMix8880
i see. thats good. then there is really no problem? as long as u have visa and can bring money over. living in 2-nd tier city should be good enough
原来如此，那真是太好了。这样看来确实没问题了？只要有签证并能将资金转移过来，生活在二线城市应该就很不错了。
BroLegend
If you are ok renting the apartment and recross border every 6 months when you are 80 years old, then that’s fine.
如果你能接受租房并在 80 岁时每六个月跨境一次，那也没问题。
ProfessorShort6711
Standard residence permits are often issued for 1 or 2 years. however, as a Foreign Chinese (person of Chinese origin) returning to care for parents: The Policy: China has "convenience measures" for overseas Chinese. If you can prove your Chinese origin (e.g., via an old Chinese passport or Hukou), you are eligible to apply for a permit valid for up to 5 years. Multiple Entry: This permit acts like a multi-entry visa. You can leave and re-enter China as many times as you like without additional paperwork.
通常标准居留许可证的有效期为 1 年或 2 年。然而，作为回国照顾父母的华侨：政策：中国为海外华侨提供了"便利措施"。若能证明自己的中国血统（例如，通过旧的中国护照或户口），则有资格申请有效期最长可达 5 年的居留许可。多次入境：该许可类似于多次入境签证，可根据需要自由出入中国，无需额外手续。
Affectionate_Monk863
What if you don’t have older generations of relatives left?
如果没有年长的亲属在世怎么办？
ProfessorShort6711
You can use "Taking care of my property" as a reason if you own any property. Also. The 5 Stars cards is another option which doesn't need anything once you have it
如果你拥有房产，可以以"照料我的财产"为由申请。此外，五星卡是另一种选择，一旦获得便无需任何条件。
NoNeedleworker2614
Depending on how much money you have
这取决于你有多少钱
ProfessorShort6711
The cost of living is about 50% of Canada.
生活成本大约是加拿大的 50%。
Top-Fig-8846
20%
ProfessorShort6711
I hope so.
希望如此。
NoNeedleworker2614
I know but you still need decent savings if you would like to maintain certain living standard
我明白，但要想维持一定生活水准的话，还是需要可观的积蓄。
ProfessorShort6711
For sure I need good savings. However, I probably just need half the amount of savings, compared to Canada. I know many Canadians can't retire until 70+.
当然我需要充足的存款。不过比起加拿大，我可能只需要一半左右的积蓄。我知道很多加拿大人 70 多岁都无法退休。
NoNeedleworker2614
It wouldn’t be much of difference if you are retiring in tier 1 cities but that would cost you significantly more than tier 2/3 cities.
在中国一线城市退休的生活成本会显著高于二、三线城市，但生活质量差异可能不大。
Also depending on your age you may still need to contribute the social insurance to enjoy the social benefits in longterm. So the earlier you can plan the better.
此外，根据你的年龄，可能仍需持续缴纳社会保险才能长期享受相关福利。因此，规划越早越好。
Top-Fig-8846
For retirement it’d be best to reside in the satellite cities of tier 1 city, much lower living expenses with best healthcare within 3 hours of traffic, and the younger people there know English - e.g., Zhuhai, zhongshan (within the Hong Kong- shen Zheng- Guangzhou cluster)
退休后最适合居住在一线城市的卫星城，比如珠海、中山（位于香港（特区）-深圳-广州城市群内）。这些地方生活成本低得多，三小时车程内就有顶级医疗资源，当地年轻人也懂英语。
NoNeedleworker2614
Correct that’s why the first question was how much money op has in saving
没错，所以我的第一个问题就是询问提问者的存款数额。
Top-Fig-8846
Can work as English teacher
可担任英语教师
superroadstar
Why not? China is a big country I am sure you will find a place.
为什么不呢？中国是个大国，我相信你总能找到地方的。
Logical-End-6856
… are you me? Almost identical situation here
……你是我吗？我们的情况几乎一模一样。
ProfessorShort6711
Many first generation Chinese Canadians have so many things in common.
许多第一代华裔加拿大人都有着诸多相似之处。
Significant_Apple904
I'm in a similar situation, though I never renounced my Chinese citizenship, and my wife is American. I'm still young (34y/o), but I'm planning on returning and retiring in China in 15-20 years. I'm only staying for now because my in-laws are much older than my parents.
我的处境类似，不过从未放弃中国国籍，妻子是美国人。我还年轻（34 岁），但计划 15-20 年后回中国养老。暂时留在美国主要是考虑岳父母年事已高，而我的父母相对年轻。
Your biggest challenge would be the legality of your residency, you mentioned in another comment that you would be able to stay for 5 years with the help from your parents but I don't know how stable and convenient that would be in long term because you are still considered a "foreigner" in the system.
您面临的最大挑战是居住合法性问题，您在另一条回复中提到可通过父母帮助获得 5 年居留权，但长期来看这种安排作为"外籍人士"在系统中的稳定性和便利性尚不明确。
Another sort of a problem is moving your money/assets from Canada to China. My personal understanding is that in China, every person is allowed to wire no more than $50k in USD annually. Anything more would require extra steps, potentially things like wiring money to your parents accounts and call it "filial duty", but that's a conversation to have with an attorney.
另一类问题涉及将加拿大资产转移至中国。据我所知，中国规定每人每年外汇汇款限额为 5 万美元。超额部分需采取特殊操作，例如以"赡养费"名义汇入父母账户，但这需要咨询专业律师意见。
ProfessorShort6711
There is a new five star card which is very similar to 身份证. I probably can apply after 5 years of staying which valid for 10 years. My understanding is that 50k per year is a lot which you don't need a reason. And you can move as much as you want if you have a solid reason.
有种新的五星卡，与身份证极为相似。我或许在居住满五年后可以申请，有效期十年。我的理解是每年 5 万的额度非常可观，而且无需提供理由。如果你有充分的理由，就可以随意转移资金。
RedNaxellya
The $50k USD quota is on the assets transferred from China to a foreign country. There is no limitation on the assets transferred from a foreign country to China. But you may need to provide the tax document; otherwise, you may incur a penalty from the Chinese Taxation Administration.
5 万美元的额度仅适用于从中国转移到国外的资产。从国外转移资产到中国则没有限制。但你可能需要提供税务文件；否则，可能会受到中国税务局的处罚。
Top-Fig-8846
As long as you have a property there, nothing is a big issue, many canadian Chinese live in China, before the expiry of allowed stay (6 months i remember), you can go to hongkong for a visit and go back....
只要在中国拥有房产，其他问题都不难解决。许多加籍华人在中国生活期间，会在允许停留期届满前（我记得是 6 个月）前往香港（特区）短暂逗留再返回大陆。
ProfessorShort6711
You can stay for 5 years with help from parents or you have property in China. You actually just need a good enough reason to apply.
若父母资助或在中国拥有房产，你最多可停留 5 年。实际上，你只需要一个足够充分的理由来申请即可。
BotAccount999
just curious, why would you even want to?
纯属好奇，你为什么会想要这样做呢？
ProfessorShort6711
Taking care of older parents and lower costs of living. Over all. I still prefer to live in a society that allows me to speak my own language.
照顾年迈的父母以及较低的生活成本。总体来说，我仍然更愿意生活在一个可以让我说自己母语的社会。
BotAccount999
society is very different from CAN to CN. if you accustomed to western living, returning will be rough in the first year or so. Also, while COL can be cheap it also comes with a drop in quality. if you like a western amenities and medium to high quality groceries, you'll be paying similar prices too. At least when I compare things from Greater Bay Area to Germany.
从加拿大到中国，社会文化有很大差异。如果你习惯了西方的生活方式，回国后的头一年左右可能会比较不适应。此外，虽然生活成本可能较低，但随之而来的是质量的下降。如果你喜欢西方的便利设施和中等至高质量的商品，你将支付相似的价格。至少在我将大湾区与德国比较时是这样。
the only things that are much cheaper here are consumer services and many electronic products, but it is cramped in the south... public transport sucks, and medical services are less than desirable. everywhere you go, theres piles of people.
这里唯一便宜很多的是消费服务和许多电子产品，但在南方地区空间狭小……公共交通糟糕，医疗服务不尽如人意。无论你去哪里，都挤满了人。
ProfessorShort6711
I think it depends on where you choose to live. I found there are many cheap areas with western amenities in China. thanks to the housing market boom and burst. In Canada, there is no fresh groceries because most are from us and Mexico by long distance shipping. The quality actually very low because groceries lost most of the nutrients and favors. We normally need to wait a few months in order to see a specialist in Canada.....
我认为这取决于你选择居住的地方。我发现中国有很多便宜的、拥有西方便利设施的地区，这要归功于房地产市场的繁荣与萧条。在加拿大，很难买到新鲜食品，因为大部分都来自美国和墨西哥，需要长途运输。食品质量实际上很低，因为大部分营养和风味在运输中流失了。在加拿大，我们通常需要等待几个月才能看到专科医生。
BotAccount999
thx for the reply. Cost of living is indeed very different depending on city and area. the coastal areas in China tend to be the most expensive and most heavily populated.
感谢回复。生活成本确实因城市和区域而异，中国的沿海地区往往最昂贵且人口最密集。
IMO biggest drawbacks in China are the public transports and the distances one has to go and time it takes to get things done (cities are large and congested).
依我之见，中国最大的缺点在于公共交通以及办事所需的长途跋涉和耗费的时间（城市面积大且交通拥堵）。
also, people in general are very rude. but depending on your spending power you can negate that (e.g. avoiding public transport altogether, avoiding public hospitals, taking premium options...)
此外，一般来说人们的举止比较粗鲁。但根据您的消费能力，您可以规避这一点（例如完全避免乘坐公共交通、避开公立医院、选择高端服务等）。
rememeber711997
How can one transfer retirement savings into China?
如何将退休储蓄转入中国？
ProfessorShort6711
As long as the money is clean, you can transfer as much as you want with a good reason, based on my research.
据我所知，只要资金来路清白且有正当理由，想转多少钱都可以。
rememeber711997
Is it easy to set up a bank account in China without Chinese citizenship?
在中国没有中国国籍的情况下开设银行账户容易吗？
ProfessorShort6711
As long as you can stay with the right permit, based on my research...
只要持有合法居留许可，据我了解是可以的。
rememeber711997
Thank you
谢谢
ONSLKW
yes theres alot of western Chinese in guangzhou and shenzhen, also surrounding beijing/shanghai if you have a bigger budget
是的，广州和深圳有很多来自西方的华人，如果预算更充足，北京/上海周边也有不少。
theres alot in zhuhai and its getting the rep as a place to retire, no ebikes
珠海有很多人居住，并且逐渐获得了退休地的美誉，那里没有电动自行车。
i know alot personally, but you need to get the family visit visa, leaving is very easy, weekend trip to sk/japan is very cheap, or trip to hk/macau even cheaper, spend summer in the west to escape the humid asian summers
我个人了解很多，但要申请家庭探亲签证。离开非常容易，去韩国/日本的周末旅行非常便宜，或者去香港（特区）/澳门甚至更便宜，夏天可以去西方避暑，避开亚洲潮湿的夏季。
moving money is very cheap to wire and easy , Chinese banks are efficient 1-2 days in my exp vs west lazy backoffice, i split my time in both, not as a retiree
转账汇钱成本低廉且操作简单，中国银行效率很高，以我的经验只需一两天，相比西方那些懒散的后台部门而言。我两边都居住，但不是以退休者的身份
Affectionate_Monk863
But a lot of times the parents have passed away by the time you retire. So there are no elder generation left. Maybe some cousins. Will you be able to do it in that case? If so, how?
但很多时候，等你退休时父母已经过世，上一代人都不在了，可能只剩下一些堂表亲。这种情况下你还能办理吗？如果可以，具体要怎么做？
mblaqnekochan
My husband recently went back to China for the first time in 10yrs. I was surprised to hear that he was ready to go back to the US after 2 weeks. lol A lot of things had changed and it didn’t feel like home to him anymore.
我丈夫最近十年来第一次回中国。听说他两周后就急着回美国，我挺惊讶的。很多事情都变了，他觉得那里不再像家。
c1216440698
你先回去住一阵再说吧。
Ok_Account974
Do you have good organs?
你的身体器官还好吗？
Do you enjoy gutter oil?
你喜欢地沟油吗？
Do you like scams?
你喜欢诈骗吗？
Lotuswongtko
No google, no youtube, no freedom of information, you might not be able to access the Canadian bank account. There was once, I was in Shenzhen, I uploaded my assignment to the university in HK, I just got 404. It’s lucky that I got back HK in time.
不能使用谷歌，没有 YouTube，信息自由受限，你可能无法访问加拿大的银行账户。有一次，我在深圳，尝试向香港（特区）的大学上传作业，结果页面显示 404 错误。幸运的是，我及时回到了香港（特区）。
After this event, I learned some tricks from an IT nerd.
经过这件事，我向一位电脑高手学到了一些窍门。
Then I was asked by a Mainlander how could I access my Google accounts and check my emails in Mainland China. I had to lie I didn’t know, because it is illegal to teach them how to do that.
后来，有个内地人问我怎么在中国大陆访问谷歌账户和查看邮件，我不得不撒谎说自己不知道，因为教他们这样做是违法的。
if the visa situation is not an impediment, plan to travel to the region/ city u want to spend ur golden years, visit and try out living there in the summer and winter, figure out how to use wechat/alipay, and try out the health system. if u can survive these with minimal help, look into senior homes for the time when u really need help. these should take a few years. It will be best if u have feiends doing the same thing or will be with people I want to hang out.
如果签证不是障碍，计划前往您想要度过退休生活的地区或城市，尝试在夏季和冬季前往体验生活，学习使用微信/支付宝，并体验当地的医疗系统。如果您能在几乎不需要帮助的情况下应付这些事务，可以考虑那些在您真正需要帮助时能提供支持的养老院。这些准备可能需要几年时间。如果能有朋友做同样的事或与我想交往的人在一起，那将是最理想的。
ProfessorShort6711
It is much easier to build connections in China than North America.
在中国建立人脉比在北美要容易得多。
ChaseNAX
you won't be able to live a retirement life in China as a Canadian citizen.
您将无法作为加拿大公民在中国度过退休生活。
Top-Fig-8846
Many canadian Chinese live a retirement life in China, like my auntie's family... as long as OP has an apartment, not a big deal
很多加拿大华人选择在中国退休，比如我姑姑一家……只要楼主有房，应该问题不大
ChaseNAX
well yeah they can pay off everything cash without being in the social security system but still, how? living on visa or as illegal immigrants? There's no immigration status for 'foreigner living retirement life in China'.
嗯，他们确实可以用现金付清一切，不需要社保体系，但具体怎么操作呢？是持签证居住还是作为非法移民？中国并没有“外国人在华退休”这种移民身份。
Top-Fig-8846
It works like this: husband Chinese citizen with Canadian PR, wife Canadian citizen, so they can stay together with long term visa. Healthcare is cheap in China and free in Canada for them, for major conditions, fly back to Canada to treat
运作方式如下：丈夫是中国公民，拥有加拿大永久居民身份，妻子是加拿大公民，因此他们可以通过长期签证在中国共同居住。在中国，医疗费用相对较低，而在加拿大，他们可以享受免费医疗。如果遇到重大疾病，他们会飞回加拿大进行治疗。
ChaseNAX
I see so they do need a dependent immigration status.
我明白了，所以他们确实需要依靠亲属的移民身份。
Top-Fig-8846
They usually do
他们通常都是这么做的。
Top-Fig-8846
The dependent status is not difficult to get, foreign children can apply for local parent care giving as well, and they can marry Chinese to get it which is usually not difficult. With a sharp decline in population, foreigners with Chinese origin will only get easier to stay in China for work and life.
要获得依赖身份并不困难，外国子女可以申请照顾本地父母，他们也可以通过与中国公民结婚来获取这一身份，这通常并不困难。随着人口急剧下降，有华裔背景的外国人在中国工作和生活只会变得更加容易。
Annual-Lie7624
他都说了是加拿大华人。。。如果是三代以内的移民后代，那是可以重新获得中国身份证的。
Abject-Computer-8869
這個可以細說嗎？
BleachedChewbacca
得放弃加拿大国籍，然后去公安交250块人民币
Top-Fig-8846
生育率这么个跌法，很快就要开放移民和双重国籍了吧
BleachedChewbacca
不可能
toeknee88125
Why? I personally know a few Chinese Canadians and Chinese Americans that have done this.
为何如此？我私下认识几位华裔加拿大人和华裔美国人已经做到了。
Even today Western retirement savings go a long ways in China where the cost of living is lower
即便在今天，西方的退休储蓄在中国也能过很久，因为这里的生活成本更低。
ChaseNAX
check the replies below. The other dude explained it better.
请看下面的回复。另一个人解释得更清楚。
InformalMix8880
what visa can you get to allow you to stay there for a year or multiple years? if you can get that visa then it probably wont be an issue. you also need a way to get a bank account in China.
要获得哪种签证才能让你在那里待上一年或多年？如果你能拿到那种签证，那可能就不是问题了。你还需要想办法在中国开立银行账户。
ProfessorShort6711
There is permit that allows me to stay for 5 years with the help from parents. And I can apply the five star card later.
有父母帮助，我可以拿到为期五年的居留许可，之后还能申请五星卡。
InformalMix8880
i see. thats good. then there is really no problem? as long as u have visa and can bring money over. living in 2-nd tier city should be good enough
原来如此，那真是太好了。这样看来确实没问题了？只要有签证并能将资金转移过来，生活在二线城市应该就很不错了。
BroLegend
If you are ok renting the apartment and recross border every 6 months when you are 80 years old, then that’s fine.
如果你能接受租房并在 80 岁时每六个月跨境一次，那也没问题。
ProfessorShort6711
Standard residence permits are often issued for 1 or 2 years. however, as a Foreign Chinese (person of Chinese origin) returning to care for parents: The Policy: China has "convenience measures" for overseas Chinese. If you can prove your Chinese origin (e.g., via an old Chinese passport or Hukou), you are eligible to apply for a permit valid for up to 5 years. Multiple Entry: This permit acts like a multi-entry visa. You can leave and re-enter China as many times as you like without additional paperwork.
通常标准居留许可证的有效期为 1 年或 2 年。然而，作为回国照顾父母的华侨：政策：中国为海外华侨提供了"便利措施"。若能证明自己的中国血统（例如，通过旧的中国护照或户口），则有资格申请有效期最长可达 5 年的居留许可。多次入境：该许可类似于多次入境签证，可根据需要自由出入中国，无需额外手续。
Affectionate_Monk863
What if you don’t have older generations of relatives left?
如果没有年长的亲属在世怎么办？
ProfessorShort6711
You can use "Taking care of my property" as a reason if you own any property. Also. The 5 Stars cards is another option which doesn't need anything once you have it
如果你拥有房产，可以以"照料我的财产"为由申请。此外，五星卡是另一种选择，一旦获得便无需任何条件。
NoNeedleworker2614
Depending on how much money you have
这取决于你有多少钱
ProfessorShort6711
The cost of living is about 50% of Canada.
生活成本大约是加拿大的 50%。
Top-Fig-8846
20%
ProfessorShort6711
I hope so.
希望如此。
NoNeedleworker2614
I know but you still need decent savings if you would like to maintain certain living standard
我明白，但要想维持一定生活水准的话，还是需要可观的积蓄。
ProfessorShort6711
For sure I need good savings. However, I probably just need half the amount of savings, compared to Canada. I know many Canadians can't retire until 70+.
当然我需要充足的存款。不过比起加拿大，我可能只需要一半左右的积蓄。我知道很多加拿大人 70 多岁都无法退休。
NoNeedleworker2614
It wouldn’t be much of difference if you are retiring in tier 1 cities but that would cost you significantly more than tier 2/3 cities.
在中国一线城市退休的生活成本会显著高于二、三线城市，但生活质量差异可能不大。
Also depending on your age you may still need to contribute the social insurance to enjoy the social benefits in longterm. So the earlier you can plan the better.
此外，根据你的年龄，可能仍需持续缴纳社会保险才能长期享受相关福利。因此，规划越早越好。
Top-Fig-8846
For retirement it’d be best to reside in the satellite cities of tier 1 city, much lower living expenses with best healthcare within 3 hours of traffic, and the younger people there know English - e.g., Zhuhai, zhongshan (within the Hong Kong- shen Zheng- Guangzhou cluster)
退休后最适合居住在一线城市的卫星城，比如珠海、中山（位于香港（特区）-深圳-广州城市群内）。这些地方生活成本低得多，三小时车程内就有顶级医疗资源，当地年轻人也懂英语。
NoNeedleworker2614
Correct that’s why the first question was how much money op has in saving
没错，所以我的第一个问题就是询问提问者的存款数额。
Top-Fig-8846
Can work as English teacher
可担任英语教师
superroadstar
Why not? China is a big country I am sure you will find a place.
为什么不呢？中国是个大国，我相信你总能找到地方的。
Logical-End-6856
… are you me? Almost identical situation here
……你是我吗？我们的情况几乎一模一样。
ProfessorShort6711
Many first generation Chinese Canadians have so many things in common.
许多第一代华裔加拿大人都有着诸多相似之处。
Significant_Apple904
I'm in a similar situation, though I never renounced my Chinese citizenship, and my wife is American. I'm still young (34y/o), but I'm planning on returning and retiring in China in 15-20 years. I'm only staying for now because my in-laws are much older than my parents.
我的处境类似，不过从未放弃中国国籍，妻子是美国人。我还年轻（34 岁），但计划 15-20 年后回中国养老。暂时留在美国主要是考虑岳父母年事已高，而我的父母相对年轻。
Your biggest challenge would be the legality of your residency, you mentioned in another comment that you would be able to stay for 5 years with the help from your parents but I don't know how stable and convenient that would be in long term because you are still considered a "foreigner" in the system.
您面临的最大挑战是居住合法性问题，您在另一条回复中提到可通过父母帮助获得 5 年居留权，但长期来看这种安排作为"外籍人士"在系统中的稳定性和便利性尚不明确。
Another sort of a problem is moving your money/assets from Canada to China. My personal understanding is that in China, every person is allowed to wire no more than $50k in USD annually. Anything more would require extra steps, potentially things like wiring money to your parents accounts and call it "filial duty", but that's a conversation to have with an attorney.
另一类问题涉及将加拿大资产转移至中国。据我所知，中国规定每人每年外汇汇款限额为 5 万美元。超额部分需采取特殊操作，例如以"赡养费"名义汇入父母账户，但这需要咨询专业律师意见。
ProfessorShort6711
There is a new five star card which is very similar to 身份证. I probably can apply after 5 years of staying which valid for 10 years. My understanding is that 50k per year is a lot which you don't need a reason. And you can move as much as you want if you have a solid reason.
有种新的五星卡，与身份证极为相似。我或许在居住满五年后可以申请，有效期十年。我的理解是每年 5 万的额度非常可观，而且无需提供理由。如果你有充分的理由，就可以随意转移资金。
RedNaxellya
The $50k USD quota is on the assets transferred from China to a foreign country. There is no limitation on the assets transferred from a foreign country to China. But you may need to provide the tax document; otherwise, you may incur a penalty from the Chinese Taxation Administration.
5 万美元的额度仅适用于从中国转移到国外的资产。从国外转移资产到中国则没有限制。但你可能需要提供税务文件；否则，可能会受到中国税务局的处罚。
Top-Fig-8846
As long as you have a property there, nothing is a big issue, many canadian Chinese live in China, before the expiry of allowed stay (6 months i remember), you can go to hongkong for a visit and go back....
只要在中国拥有房产，其他问题都不难解决。许多加籍华人在中国生活期间，会在允许停留期届满前（我记得是 6 个月）前往香港（特区）短暂逗留再返回大陆。
ProfessorShort6711
You can stay for 5 years with help from parents or you have property in China. You actually just need a good enough reason to apply.
若父母资助或在中国拥有房产，你最多可停留 5 年。实际上，你只需要一个足够充分的理由来申请即可。
BotAccount999
just curious, why would you even want to?
纯属好奇，你为什么会想要这样做呢？
ProfessorShort6711
Taking care of older parents and lower costs of living. Over all. I still prefer to live in a society that allows me to speak my own language.
照顾年迈的父母以及较低的生活成本。总体来说，我仍然更愿意生活在一个可以让我说自己母语的社会。
BotAccount999
society is very different from CAN to CN. if you accustomed to western living, returning will be rough in the first year or so. Also, while COL can be cheap it also comes with a drop in quality. if you like a western amenities and medium to high quality groceries, you'll be paying similar prices too. At least when I compare things from Greater Bay Area to Germany.
从加拿大到中国，社会文化有很大差异。如果你习惯了西方的生活方式，回国后的头一年左右可能会比较不适应。此外，虽然生活成本可能较低，但随之而来的是质量的下降。如果你喜欢西方的便利设施和中等至高质量的商品，你将支付相似的价格。至少在我将大湾区与德国比较时是这样。
the only things that are much cheaper here are consumer services and many electronic products, but it is cramped in the south... public transport sucks, and medical services are less than desirable. everywhere you go, theres piles of people.
这里唯一便宜很多的是消费服务和许多电子产品，但在南方地区空间狭小……公共交通糟糕，医疗服务不尽如人意。无论你去哪里，都挤满了人。
ProfessorShort6711
I think it depends on where you choose to live. I found there are many cheap areas with western amenities in China. thanks to the housing market boom and burst. In Canada, there is no fresh groceries because most are from us and Mexico by long distance shipping. The quality actually very low because groceries lost most of the nutrients and favors. We normally need to wait a few months in order to see a specialist in Canada.....
我认为这取决于你选择居住的地方。我发现中国有很多便宜的、拥有西方便利设施的地区，这要归功于房地产市场的繁荣与萧条。在加拿大，很难买到新鲜食品，因为大部分都来自美国和墨西哥，需要长途运输。食品质量实际上很低，因为大部分营养和风味在运输中流失了。在加拿大，我们通常需要等待几个月才能看到专科医生。
BotAccount999
thx for the reply. Cost of living is indeed very different depending on city and area. the coastal areas in China tend to be the most expensive and most heavily populated.
感谢回复。生活成本确实因城市和区域而异，中国的沿海地区往往最昂贵且人口最密集。
IMO biggest drawbacks in China are the public transports and the distances one has to go and time it takes to get things done (cities are large and congested).
依我之见，中国最大的缺点在于公共交通以及办事所需的长途跋涉和耗费的时间（城市面积大且交通拥堵）。
also, people in general are very rude. but depending on your spending power you can negate that (e.g. avoiding public transport altogether, avoiding public hospitals, taking premium options...)
此外，一般来说人们的举止比较粗鲁。但根据您的消费能力，您可以规避这一点（例如完全避免乘坐公共交通、避开公立医院、选择高端服务等）。
rememeber711997
How can one transfer retirement savings into China?
如何将退休储蓄转入中国？
ProfessorShort6711
As long as the money is clean, you can transfer as much as you want with a good reason, based on my research.
据我所知，只要资金来路清白且有正当理由，想转多少钱都可以。
rememeber711997
Is it easy to set up a bank account in China without Chinese citizenship?
在中国没有中国国籍的情况下开设银行账户容易吗？
ProfessorShort6711
As long as you can stay with the right permit, based on my research...
只要持有合法居留许可，据我了解是可以的。
rememeber711997
Thank you
谢谢
ONSLKW
yes theres alot of western Chinese in guangzhou and shenzhen, also surrounding beijing/shanghai if you have a bigger budget
是的，广州和深圳有很多来自西方的华人，如果预算更充足，北京/上海周边也有不少。
theres alot in zhuhai and its getting the rep as a place to retire, no ebikes
珠海有很多人居住，并且逐渐获得了退休地的美誉，那里没有电动自行车。
i know alot personally, but you need to get the family visit visa, leaving is very easy, weekend trip to sk/japan is very cheap, or trip to hk/macau even cheaper, spend summer in the west to escape the humid asian summers
我个人了解很多，但要申请家庭探亲签证。离开非常容易，去韩国/日本的周末旅行非常便宜，或者去香港（特区）/澳门甚至更便宜，夏天可以去西方避暑，避开亚洲潮湿的夏季。
moving money is very cheap to wire and easy , Chinese banks are efficient 1-2 days in my exp vs west lazy backoffice, i split my time in both, not as a retiree
转账汇钱成本低廉且操作简单，中国银行效率很高，以我的经验只需一两天，相比西方那些懒散的后台部门而言。我两边都居住，但不是以退休者的身份
Affectionate_Monk863
But a lot of times the parents have passed away by the time you retire. So there are no elder generation left. Maybe some cousins. Will you be able to do it in that case? If so, how?
但很多时候，等你退休时父母已经过世，上一代人都不在了，可能只剩下一些堂表亲。这种情况下你还能办理吗？如果可以，具体要怎么做？
mblaqnekochan
My husband recently went back to China for the first time in 10yrs. I was surprised to hear that he was ready to go back to the US after 2 weeks. lol A lot of things had changed and it didn’t feel like home to him anymore.
我丈夫最近十年来第一次回中国。听说他两周后就急着回美国，我挺惊讶的。很多事情都变了，他觉得那里不再像家。
c1216440698
你先回去住一阵再说吧。
Ok_Account974
Do you have good organs?
你的身体器官还好吗？
Do you enjoy gutter oil?
你喜欢地沟油吗？
Do you like scams?
你喜欢诈骗吗？
Lotuswongtko
No google, no youtube, no freedom of information, you might not be able to access the Canadian bank account. There was once, I was in Shenzhen, I uploaded my assignment to the university in HK, I just got 404. It’s lucky that I got back HK in time.
不能使用谷歌，没有 YouTube，信息自由受限，你可能无法访问加拿大的银行账户。有一次，我在深圳，尝试向香港（特区）的大学上传作业，结果页面显示 404 错误。幸运的是，我及时回到了香港（特区）。
After this event, I learned some tricks from an IT nerd.
经过这件事，我向一位电脑高手学到了一些窍门。
Then I was asked by a Mainlander how could I access my Google accounts and check my emails in Mainland China. I had to lie I didn’t know, because it is illegal to teach them how to do that.
后来，有个内地人问我怎么在中国大陆访问谷歌账户和查看邮件，我不得不撒谎说自己不知道，因为教他们这样做是违法的。
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