Many retirees think that pensions are too low and continue to work
There are many retirees after retirement, although they can receive pension benefits on a monthly basis, but the pension benefits are usually relatively low, especially the pension replacement rate of retirees from enterprises is only 40% to 60%, which is equivalent to about half of their wages during their employment, so we can imagine that your salary during your employment is 5,000 yuan per month, but when you retire, you often do not reach a pension of 5,000 yuan. Basically, it can maintain normal life of food, clothing, housing and expenses, but often less than 5,000 yuan pension when retired, many enterprises in addition to the basic pension, there is no income, pension is only half of the period of employment, equivalent to about 2,500 yuan.
So some people's pension of 2500 yuan does not seem low, but some people, in fact, are usually Xi to 5000 yuan per month consumption expenditure, suddenly reduced to 2500 yuan, it is conceivable that the pension of this part of the elderly is actually very difficult to accept, difficult to accept, because their living standards can not be reduced, such as car loans, housing loans, this fixed expenditure may cost two or three thousand yuan per month, so 2500 yuan pension is not enough. This type of fixed expenditure may cost two or three thousand yuan per month, so a pension of 2,500 yuan is not enough.
Faced with this problem, they are forced to choose to continue working after retirement, whether it is a 50-year-old retired woman, a 55-year-old retired woman, or even a 60-year-old retired man, under the condition of all aspects of the body, there is no problem in working for several more years, so a considerable proportion of retired seniors will choose to continue working, in fact, among the retired elderly group, the proportion of retired elderly people who really retire from work and choose to work again is very small, probably less than 5%, and the proportion of retired elderly people who continue to work is also very small.
However, although this proportion is very low, due to the large population base in our country, the total number of pensioners every year is actually quite large. The total number of pensioners may be in the millions, so even if this percentage is 5%, at least tens of thousands of people should be employed in their own jobs, or in their original workplace, or in the same type of workplace, or find suitable employment for themselves, in short, let them receive double economic income to cover their right to receive a pension. In short, you can get a double economic income to make up for the lack of your pension.
Of course, there are many people around me, but most of the people I see are women, because the retirement age of women is generally early, many women can retire at the age of 50, this age is completely positive, and there is no problem with working for a few years, and 50-year-old women also have a characteristic, because the retirement age is relatively early, resulting in a relatively short cumulative payment period for their pension insurance, so the pension that can be enjoyed initially is not very much. If the contribution period is short, the initial pension in the future will not be very high. Many people can only receive more than 1,000 or even 2,000 yuan at present, so it is normal for them to choose to continue working for a few years to subsidize their families or save some money.
Thank you for reading, every day I will talk about the knowledge of the elderly, I focus on the field of social security and pension, there are my articles, you can add my attention, thank you.