Kunpeng Project
How big is the pension gap between civil servants retiring at 55 and retiring at 60? Why?
What is the difference in pension between a 55-year-old public official and a 60-year-old retiree? Why? Civil servants have a special feature of retirement procedures, that is, they can apply for early retirement if they have worked for more than 30 years. However, most employees do not have this qualification, such as an ordinary enterprise employee, who cannot apply for early retirement. Even if he has worked for thirty or forty years, it may not make him retire early.
Civil servants meet this requirement, that is, some people can retire five years early, exactly 55 years old, and if they don't want to, at most 60 years old. However, some people are quite confused when they go through the retirement procedures or not, whether this will have an impact on their pension problems, and what kind of impact will it have on themselves?
In fact, we can't simply think about the issue of pension, because in addition to pension, there is also a question of salary, once you retire, you will no longer get any treatment from your original job. For a civil servant in a country, a year's salary is already very high, and if you retire five years early, then there is a high probability that your salary will be reduced by tens of thousands. Therefore, whether you are willing to accept this kind of salary package, this is a very critical premise, acceptable, it is conducive to your early retirement, otherwise, it is not appropriate to retire early.
Another issue that needs to be considered is their family situation and background, some people really want to retire early, they don't care about their salary at all, whether it is the responsibility of providing for the elderly, or the education of their children, in short, they all want to retire early, these years are very important to them, so I think you can retire early at the age of 55. Otherwise, there would be no need to retire so early.
Of course, in the end, from the point of view of social security, early retirement is beneficial for me. It's very simple, if you retire 5 years early, you can get a pension 5 years in advance, our monthly pension is 6,000 yuan, a year is 72,000, and the minimum in 5 years is 350,000. Therefore, from the point of view of social insurance, it is much better to retire five years early than to postpone retirement for five years, after all, you can get more pension in the end.
However, the final decision still has to be viewed from multiple perspectives. Including your salary, your pension, your comprehensive income, and your family background, etc., in short, no matter what you do, you have to maximize your benefits. Although ** staff have this advantage, but not everyone can take advantage of it, early retirement, some people are of great help.
Thank you for reading, I am about pension issues, and my main research is on social security and pension issues.