The news of pensions always touches the hearts of countless people. No, Uncle Liu was sitting in the company lounge, flipping through the news, and one of the headlines was particularly eye-catching:"In 2024, there will be a big move in pensions! ”A glimmer of hope flashed in Uncle Liu's eyes, he was about to retire and had been paying attention to the issue of pensions. But when he read deeply, the news that "as long as you meet 3 conditions, you can make up the 5-year pension" made his heart surge with excitement. But at the same time, he was also a little uneasy, was it true? Will it be another empty joy?
Aunt Wang was also discussing with her neighbors after dinner, and everyone was very interested in this topic. Rumors are rife, and the elderly in the community are hoping that the news is true, so that they can solve many of their current difficulties and even improve their quality of life. Aunt Wang silently looked forward to it, "If I can receive the retroactive pension, I will be able to realize my dream of traveling." ”But she knew in her heart that there was no such thing as a free lunch, and she had to figure out what was going on.
First of all, the pension is simply the living expenses after getting old。If you work hard when you are young and pay a part of it to the state every month, the state will not treat you badly in the end, so that you can receive a safe and secure retirement allowance when you are old. That sounds great, but the real headache is how to settle the account.
About this legendary "5-year reissue", it is actually a misunderstanding. How can the state be so generous to give you a five-year pension in one go? This sounds like a treasure has been found. Actually, it's talking about the equivalent of 5 years of extra money in your account after retirement. Let's put it this way, just like the adjustment of social security policies in recent years, such as the increased contribution ratio and the adjusted pension calculation method, combined, by 2024, it may be able to make your pension account appear more "bulging".
Again, it's how to take this extra "catch-up" pension home. If you meet the following three criteria, hurry up and have fun:
1.Social security is well paid. Don't underestimate the matter of paying social security on time, this is the key to whether you can receive enough pension! If you have this idea to plan early, the pension account will naturally rattle.
2.Retire as soon as the retirement age is reached. This is going to happen sooner or later, and you have to be at the age when the policy big red envelopes are distributed.
3.The formalities are profitable. Don't be confused when you reach retirement age, you don't know what to do in the east, west, north and south. The retirement process will be completed step by step, and your pension will be paid on time.
Of course, as a retirement planner, I have to remind you: money alone is not enough, you have to be able to spend money and plan.
1.Plan ahead. Don't wait for the problem to be in front of you. Think early about how you can manage your savings and investments.
2.Health first. What are the blessings of having money and not being in the body? Exercise, diet, work and rest, these three brothers have to be prioritized on the schedule.
3.Socializing is essential. Who says you have to stay at home when you retire? Go out for a walk, participate in activities, and maybe make a few new friends who share the same interests.
4.Keep learning. Retirement doesn't mean that your brain is also resting, find some fun, learn a new skill, the ancients said: learning is like sailing against the current, if you don't advance, you will retreat.
5.Financial planning. Finally, to be honest, although this pension is good, don't squander it for a while, and spend it wisely to ensure that you can live happily and worry-free.
Don't forget, legends are just legends, and real gold has to be earned by yourself. It is true that the pension is not a dream, but how to make your retirement life enjoyable is what we should plan with our hearts. If you have any confusion or questions, talk to a pension planner, maybe it can open up another world for you. Hurry up and welcome your happy old age!