Is it cost-effective to be a civil servant in a small city and retire early after 30 years of service?
In the small town, as a civil servant, we also know that civil servants can enjoy the treatment of early retirement after 30 years of service, which is indeed a kind of welfare for civil servants, but in the eyes of most public institution staff, this is indeed a rare opportunity, because many public institutions, especially front-line workers, want to retire themselves, we can understand, but public institutions do not actually take early retirement after 30 years of service as a basic condition, only for civil servants, and even employees of public institutions。 There is no such condition.
And we, as civil servants, do not mean that everyone will choose to retire early after 30 years of service. In fact, a considerable number of people, even more than half of the civil servants, are unwilling to retire early, mainly because of their work location, their own income level and treatment, including various benefits. Then the benefits add up to actually higher than the income of early retirement, which is the fundamental reason why many people are reluctant to retire.
But don't forget that when you retire early, while your income level will be lower, at the same time, your pension benefits may also be reduced from a social security perspective, as your cumulative contribution years will correspond to a smaller salary for a number of years. As a result, your pension may also be reduced. But early retirement is not a reason to get a pension in advance and change the length of service, so everyone's choice of life is different, some people may pursue a high income, naturally do not need to retire early, but there are also people because of the family background and family environment is better, do not want to take such a high income, but there is no shortage of money, so they would rather retire early.
In short, if the family conditions are relatively superior, and there is no shortage of thousands of dollars per month, then early retirement is not inevitable, after all, life is short, just a few decades, you can enjoy the life you want. It's also a great thing. But some people are different, because the family conditions are not good, they may not have a formal job for their lover, and they do not like the corresponding work. Good, stable income, so if one day they retire early, the overall income of the family will be low, which is unbearable for the whole family, so they are understandably reluctant to retire early.
In fact, in the final analysis, I personally consider from the perspective of social security, early retirement is to enjoy a higher pension than the full amount, because you think about it, even if you retire five years early, the monthly pension is calculated according to 5,000 yuan, then a year is 60. 000 yuan, five years is 300,000 yuan, in other words, if you retire early, you can get at least a few hundred thousand more pensions, and if you don't retire early, the pension may be lower, but the initial pension will be higher, it can only be said that there are pros and cons.
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