Tags: pension retirement financial security personal financial management future planning.
Dear readers, hello everyone!Today I want to talk to you about a topic about pensions - "The pension has arrived, the working experience is 41 years, and the monthly payment is 3590 yuan, which feels too little, how to calculate it?"."After entering retirement, some people may have doubts and dissatisfaction with their pension amount. So, let's take a look at how and why pensions are calculated.
First of all, the calculation of the pension is carried out on the basis of a series of relevant factors. In China, the calculation of pension is based on the comprehensive consideration of multiple factors such as individual contribution base, payment period, and contribution ratio. In the case you mentioned, the length of service is 41 years, and the monthly pension is 3,590 yuan, which may be calculated based on your salary income and contribution ratio.
Secondly, the amount of the pension is determined by both the contribution base and the contribution ratio. The contribution base refers to the contribution base determined by a certain proportion of individual salary income, and the contribution ratio is stipulated in accordance with the relevant national policies. If you feel that the pension amount is small, it may be due to factors such as social security and personal income tax you pay.
In addition, it is important to understand that the cost of living and personal financial situation after retirement can also affect how you feel about your pension amount. The standard of living and spending Xi after retirement will vary from person to person, some people may want to have a higher pension to meet their needs, while others may be more frugal and adapt to a simple lifestyle.
Finally, if you feel that the pension amount is small, I suggest that you can do personal financial planning and rational expectations. First of all, make a reasonable plan and budget for your retirement life, and be clear about your spending needs and goals. Second, consider increasing other forms of income**, such as increasing your personal income through part-time jobs, investments, etc. The most important thing is to reasonably control the level of consumption and build up the awareness of personal savings and financial management.
In short, pension calculation is affected by a number of factors, including length of service, contribution base and proportion, etc. If you feel like your pension amount is small, you can do personal financial planning and rational expectations, and actively seek other forms of income**. Rational spending, rational planning, and personal savings are all important factors in retirement, and I hope you can face them positively and be fully prepared for your future.