With the intensification of social development and the aging trend of the population, the pension policy has become the focus of people's attention. In recent years, China's statutory retirement age has gradually become a hot topic, and the related pension has also become the focus of people's attention.
At present, China's statutory retirement age is 60 years old for men, 55 years old for female employees for management posts, and 50 years old for non-management posts. However, with the improvement of living standards and medical technology, the average life expectancy of people is gradually increasing. In order to reduce the burden of old-age care, the state plans to gradually raise the retirement age. According to online news, men born in the 90s will retire at the age of 65, and women will retire at the age of 60. Such an adjustment can be a bit stressful for many people.
The pension is composed of three parts: basic pension, personal account pension and transitional pension.
Basic pension = (average monthly salary of employees in the city in the previous year + average monthly indexed salary of the employee) 2 Payment period 1%.
Personal account pension = personal account storage balance Number of months.
Transitional pension = the average monthly salary of employees in the city in the previous year, the deemed payment period, and the calculation and payment coefficient.
The new pension policy adjustment not only affects people's retirement age, but also directly affects the time and amount of time and money that people receive pensions. First, delayed retirement means that people need to work longer hours to receive their pension. Secondly, since the pension calculation is related to the number of years of contribution and the contribution base, delaying retirement also means that people need to pay more pension insurance premiums and thus receive more pension after retirement. However, for those who have already paid enough social security for 15 years, it becomes a question whether to continue to pay social security.
Theoretically, even if you stop paying social security, you will still have a pension when you retire. However, China's pension policy follows the principle of "pay more, get more", if you stop paying social security, then the pension received by retirement will be reduced accordingly.
For most people, it is important to estimate how much pension they will receive in the future. Taking Shenzhen as an example, through the new pension calculation method, we can estimate the amount of pension that can be received in the future under different payment periods (15 years, 20 years, 25 years, 30 years).
Through calculation, we can see that compared with 25 years, 15 years will receive 1,285 yuan less per month, and 15,420 yuan less per year. Compared with 30 years in 15 years, 2,085 yuan less per month, and 25,020 yuan less per year. This is not a small number for us in our old age.
However, estimates can be influenced by a variety of factors. First, the estimate will be influenced by the level of local wages. Secondly, the number of years and the level of payment will also affect the final result. In addition, future inflation rates and other economic factors may also have an impact on the real purchasing power of pensions.
The new pension policy is designed to address the challenges of an ageing population and the burden of old-age care. While delaying the retirement age and adjusting the statutory retirement age may cause stress and uncertainty for some, it is also to ensure the sustainability and fairness of the pension system. It is important for individuals to recognize the importance of social security contributions as early as possible and to plan for the long term in case of a possible change in the delayed retirement age. In addition, people should also pay attention to future pension policy changes and other related policy adjustments in order to better plan their retirement life.
In short, the new pension policy will change our pension life to a great extent. Despite the challenges and uncertainties, with proper planning and personal effort, we can create a better future for ourselves and our families. AI assistant creation season