Retirement, for many people, is a time of great anticipation. Finally, I said goodbye to my busy work and could enjoy a leisurely old age. However, retirement is not something that can be achieved casually and requires certain criteria to be met. So, what criteria do you have to meet to retire with peace of mind?
So, what is the statutory retirement policy in our country? Does length of service affect pensions? What is the calculation model of the pension?
What is the retirement policy stipulated by the state? Zhu Minglai, director of the Institute of Pension and Health Security of Nankai University, introducedChina adopts the statutory retirement age system, which is related to the length of service, but not directly related。National regulations:Male employees, whether they are employees of enterprises, public institutions, or state organs, retire at the age of 60;
Women in enterprises are divided into two categories of retirement at the age of 55 and 50, and those engaged in management work generally retire at the age of 55, and workers can retire at the age of 50 a little earlier.
Zhu Minglai said that this standard has been used as a basic rule for retirement for a long time. "It is not a matter of how many years of service you can automatically retire, it is determined according to the statutory retirement age. ”Since 1978, the "Interim Measures on the Retirement and Retirement of Workers" has clarified the retirement systemAll provinces are implemented in accordance with the national unified retirement policyThere will never be a situation where a single province adjusts its retirement policy alone. Is there a relationship between length of service and pension? Before the establishment of the pension insurance system, the pension system of the unit is implemented for the pension of employees, and the retirement allowance is calculated by the unit before retirement according to the continuous length of service of the employee, and the unit is responsible for the payment. The longer the length of service, the higher the proportion of retirement allowance, which can reach 90% of the original salary. In 1995, the "Notice on Deepening the Reform of the Pension Insurance System for Enterprise Employees" was issued, which determined the establishment of a new pension insurance model combining social pooling and individual accounts. Pension contributions are generally a combination of unit contributions and individual contributions. Part of the money is allocated to the overall plan** to pay the pensions of retirees;
The personal account adopts the accumulation system, that is, the more the personal account pays, the more the pension will be obtained, and the personal account will be withdrawn according to the proportion of salary, which is related to the level of personal salary.
In general,The longer the contribution period and the larger the contribution base, the more pension you will receive after retirement. The financial foundation is the key to retirement. You need to have enough savings and pensions to maintain your quality of life when you are no longer working. Some people think that as long as they have a pension, they can enjoy their old age, but in fact, the role of savings cannot be ignored. Deposits can be used to deal with unexpected medical expenses, emergencies, etc.
Secondly, physical health is also one of the important criteria for retirement. The quality of life in retirement is closely related to physical health. If you are in poor physical condition, it will not only affect your quality of life, but also increase your medical expenses. Therefore, before retirement, you should focus on exercising, maintaining good lifestyle habits, and ensuring that you can enjoy your old age healthily.
In addition to financial and health, spiritual life is also an integral part of retirement. After retirement, I have more time to focus on my inner world and hobbies. Cultivating some hobbies that are beneficial to the body and mind, such as traveling, photography, reading, etc., can enrich one's spiritual world and make life more meaningful.
Also, social life should not be neglected. After retirement, your social circle may change, but socializing with friends and family is still very important. Building good social relationships can help you feel warm and cared for in retirement, while also adding joy to life.
Finally, mindset adjustment is also an important part of retirement. Retirement means saying goodbye to work, but it doesn't mean it's all over. On the contrary, retirement is a new beginning, and it is necessary to actively adjust your mindset and adapt to the new rhythm of life. Maintaining an optimistic, positive mindset can help you better enjoy your retirement.
In short, retirement is not something that can be achieved casually, and there are certain criteria that need to be met. The economic foundation, physical health, spiritual life, social life, and mental adjustment are all indispensable elements. Only when these conditions are met can you enjoy a good retirement with peace of mind. Retirement