Delaying retirement, as the name suggests, is to postpone the original statutory retirement age a little, so that we can work for a few more years and then enjoy the benefits of retirement.
This policy was proposed in 2023, and it caused a lot of controversy at the time, with some people in favor, some against, some worried, and some indifferent.
I remember that my friend Lao Li and I discussed this issue at that time.
Lao Li is 40 years old this year, and he has purchased social security for 15 years, but he is unemployed. He told me that he was in an awkward situation, and if he continued to buy social security, his monthly life would be more stressful. If you don't buy it, you will have to delay your retirement now, and you don't know what it will take to get a pension.
And he's old now, and it's hard to find a job.
I listened to his words, and I felt a little the same, after all, we are not iron men, we will grow old one day, who doesn't want to have a stable old age?
However, the policy of delaying retirement did not appear in a vacuum. The core of the policy of delaying retirement is to solve the pension problem in our country.
The current pension system is a system of "intergenerational mutual assistance", that is:The social security we pay now is actually used to pay the pension of the current retired elderly, and after we retire, our pension will depend on our next generation to pay social security.
Such a system can operate when the population structure is relatively balanced, but with the intensification of China's aging population, there are problems with this system.
According to statistics, the current elderly population over 60 years old is as high as 2600 million, by 2030 will increase to 300 million people, so that the elderly population is increasing, the number of young people participating in the work is getting smaller and smaller, which will eventually lead to the inability of young people to support a large number of retired seniors, and there will be a large gap in pension distribution.
In order to alleviate this problem, delaying retirement is an effective measure, which can increase the contributors of social security and reduce the number of pension recipients, so as to ensure the balance and sustainability of pensions.
Delaying retirement may have different impacts on different industries and groups, some people may benefit, and some people may suffer, which will cause social injustice and dissatisfaction.
For example, some high-income people may be happy to delay retirement because they can earn more money and their work is easier and more fun.
However, some low-income people, they may be reluctant to delay retirement because their work is hard and boring, and their income is not enough.
In this way, it will lead to the gap between the rich and the poor and the solidification of strata in society, and lead to social instability and turmoil.
Although the policy of delaying retirement will make many people dissatisfied, there are also some people who will benefit from it, and they mainly have the following four categories:
1.People who love their work.
This type of person has a strong passion and interest in their work, they feel that work is a part of their life, and they don't want to give up their career and dreams because of age restrictions.
They want to be able to work until their bodies and minds don't allow it. Delaying retirement is good news for these people because they can continue to do what they love and realize their value and contributions.
2.People with special skills or knowledge.
They have a high level of expertise in their field, and their skills or knowledge are valuable resources for society that cannot be easily replaced or passed on.
They hope to be able to better use and share their skills or knowledge to contribute to the development and progress of society.
For this segment, delaying retirement is an opportunity as they can extend their careers and play to their strengths and influence.
3.Those who do not have enough years of contributions.
These people may not have paid social security for various reasons, or have not paid enough social security for many years, or have not paid enough social security, resulting in a low pension or no pension at all.
They want to be able to work to increase their income and savings and prepare for their retirement.
4.People who are in good physical condition.
People who are in good health want to be able to maintain normal work and social activities, and are not willing to retire too early. When they reach retirement age, they are still willing to accept re-employment and realize their value in the workplace.
So, which three groups of people will have a greater impact on delayed retirement?
1.Low-income people.
In society, low-income people still make up the majority. These people no longer have enthusiasm and interest in their work, they feel that work is a burden and suffering, and they just work to survive. They want to be able to retire early and get rid of the shackles and pressures of work.
2.People who are unwell.
These people suffer physical and mental damage because of their poor physical condition, or the poor environment and conditions of their work, or the intensity and difficulty of the work. They need rest and recuperation to regain their health and vitality.
3.People who have a retirement plan.
Some people may have planned and arranged for their retirement life because they have many interests and hobbies, or have many friends and relatives, or have many dreams and goals. They want to enjoy their freedom and happiness when they retire.
The policy of delaying retirement is to solve the pension problem in China and ensure the balance and sustainability of pensions.
Pension is an important life security after our retirement, and now we must plan our retirement life economy, so that the old age life can be guaranteed.
No matter what kind of person you are, I hope you can find a way and method that suits you to make your retirement life better and happier.
Thank you for reading and wish you a happy new year, good health, happiness and well-being! If you liked this article, welcome to share it with your friends!
February**Dynamic Incentive Plan**From Netro|Invasion and deletion.
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