Today, Lao Zhang is more upset, and he has to think about a lot of things when he is about to retire.
For Mr. Zhang, a civil servant who is about to retire, this is not just the beginning of a day, but also a reflection on the future of life – between the summer and autumn of 2024, he faces an important decision:
Should he retire in June, or wait until October to wave goodbye to his 30-year career?
At this crossroads, Mr. Zhang had both expectation and confusion in his heart.
Retirement, for him, means saying goodbye to the days of leaving early and returning late, and it means that he can spend more time with his family and pursue his interests and dreams. But on this road to retirement, "when to go" is particularly crucial.
Doorways to the workplace
First of all, for a civil servant, the choice of retirement time is not a simple matter of personal wishesIt involves an in-depth interpretation of retirement policies and accurate control of individual pension calculations.
Mr. Zhang began to compare the possible different effects of the two points in time.
Retiring in June means that Mr. Zhang can start his long vacation life in the hot season, and can enjoy earlier free time.
But will the calculation of the pension be reduced as a result?
If we wait until October, will the pension increase as the number of years of service increases?
2. Accurate assessment of economic benefits
The calculation of a civil servant's pension is a rigorous and complex process.
Mr. Zhang began to take out the calculator and carefully calculate the difference between the two points in time.
According to the current pension calculation method, length of service is an important calculation factor.
Mr. Zhang knows that by the time he retires in October, he will have a longer working experience and the pension figure may be even more substantial.
However, this is not the only consideration.
There is another detail that is often overlooked – taxes.
According to the tax law, pensions are tax-free up to a certain amount.
Mr. Zhang began to study the tax rate table to compare the tax differences between the two points in time.
He found that if he could plan properly, he might be able to have a more cost-effective tax option.
In addition to the monetary gains and losses, Mr. Zhang also took into account the changes in the quality of life.
After retirement, he will have more time to devote to travel, hobbies or community activities.
His retirement in June allowed him to catch the tail of summer and enjoy the outdoors.
However, if he chooses October, he can quietly plan his new life in the golden autumn.
Mr. Zhang also considered the changing roles of family and society after retirement.
Retiring in June, he will move more quickly from a professional role to a family role where he can accompany his children during their summer vacations.
Retirement in October can allow him to have a happy ending at work and draw a satisfactory end to his career.
The fine-tuning of the retirement policy may also have an impact on Mr. Zhang's choice.
He pays close attention to the latest policy developments, hoping to seize possible policy dividends on the one hand, and avoid unnecessary losses caused by not knowing the policy updates on the other hand.
Retirement is not only the end of your career, but also the beginning of a new phase of personal growth.
He thinks about how he can find peace of mind and how he can continue to grow spiritually, which are factors that he cannot ignore when choosing a retirement time.
In order to make the decision-making more scientific, Mr. Zhang also sought the advice of experts.
He consulted with a retirement planner to understand the pros and cons of retiring at different times, and made a comprehensive assessment based on his actual situation.
The opinions of the experts provided an important basis for his selection.
After careful consideration, Mr. Zhang finally made a decision.
He chose to retire in October because it was calculated that not only would he get more pension, but it would also be more tax-wise.
At the same time, he believes that autumn is a good start to a new life, and the weather is pleasant, which is suitable for him to gradually adapt to the rhythm of life after retirement.
After making the decision, Mr. Zhang felt a sense of relief that he had never felt before.
He knows that every choice has its pros and cons, but as long as it is a carefully evaluated choice, it is the most responsible choice for yourself.
For the majority of civil servants who are about to retire, Mr. Zhang's story is not only a case study, but also a reference template for planning retirement life.
The choice of retirement may seem like a personal decision, but in fact, it is a comprehensive consideration involving family, economics, policy, spirituality and other factors.
At this important juncture in life, reasonable arrangements and prudent decisions can ensure the happiness and satisfaction of retirement life.
For Mr. Zhang, his retirement life is waiting for him to write a new chapter.
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