Comparison of the retirement benefits of state-owned enterprises and private enterprises, state-owned enterprises retire at the age of 60, and private enterprises retire at the age of 55
The monthly salary of state-owned enterprises is only 5,000 yuan, and after entering private enterprises, they get 8,000 yuan per month, while state-owned enterprises can only retire after the age of 60, and private enterprises can only retire at the age of 55. In such a situation, which company should we work for? In fact, when we choose a job, in addition to salary, there is also a factor that is the development prospects of the unit, which also depends on whether your major is consistent with the main business of the company, which is very important.
We can't just look at the salary, let's say the monthly salary of a state-owned enterprise is 5,000 yuan per month, which is the salary in the bank card, which is not too low. He is a state-owned enterprise, with a salary of 5,000 yuan per month, theoretically speaking, his salary can only be reached after deducting five insurances and one housing fund or five insurances and two housing funds. From this point of view, his after-tax salary is at least seven or eight thousand.
However, most private companies or private enterprises will not pay any social insurance for you, at most five insurances and one housing fund. So, even if you get 8,000 a month and pay social insurance, it won't exceed 1,000. Compared with the 5,000 yuan of our state-owned enterprises, it is simply a small thing, and even the 5,000 yuan of state-owned enterprises cannot be compared.
Therefore, when we choose five insurances and one housing fund, we should actually focus on considering, if both parties are ordinary to pay five insurances and one housing fund, and they are all five insurances and one housing fund, you can receive 5,000 yuan to 8,000 yuan after deduction. Therefore, there is also the question of whether you can retire at the age of 55. According to the retirement age stipulated in our country, men are not allowed to be before the age of 60, but for women, there is no need to wait for the age of 60. Theoretically, there is no doubt that no company can change the mandatory retirement age within a specified period of time.
If you reach the age of 55, you can apply for internal retirement, and then your employment contract relationship will be retained, at this time you can enjoy all the benefits of the original company, and your five insurances and one housing fund will also be made up by your employer, so that you can retire five years early. If this is the case, you can also do this, but most private enterprises do not have an internal retirement system, and only a few relatively large state-owned enterprises and ** directly affiliated enterprises will have such a rule.
We have to figure it out. There is no rule for early retirement in private companies, if you just start working, he will promise you to be 55 years old. Since he didn't give you any guarantees, then you have to swallow your anger. Employees of private enterprises retire at the age of 55. In other words, retiring five years earlier is not reliable, and we mainly need to see how the company will develop in the future. Is it right for your career? What we need to do now is to make our future development better.
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