Experts warn that the post-90s generation may need to delay retirement until the age of eighty or seventy
Why postpone retirement?
Nowadays, the problem of aging is becoming more and more prominent. The aging of the population has led to increasing pressure on the supply of pensions. The number of births per year is lower than the number of deaths, which means that the proportion of the elderly population continues to rise, and the problem of an aging society is getting worse. As life expectancy increases and the proportion of people over the age of 65 continues to rise, the pension system is facing unprecedented challenges. At present, pensions mainly rely on the contributions of working people to pay the pensions of retirees, but if the number of working people decreases and the number of retirees increases, there is a risk that the supply of pensions will be insufficient and collapse. Therefore, in order to alleviate this pressure, delaying retirement has become an inevitable option. Delaying retirement can increase the number of active workers and reduce the number of pensioners, thereby easing the pressure on pensions. At the same time, postponing retirement also allows the elderly to continue to make full use of their experience and wisdom to make more contributions to society.
Expansion: Behind the aging problem, it is not only the increase in the pressure on pension supply, but also the far-reaching impact on social structure and family relations. As the elderly population grows, society will face more challenges in terms of pensions, health care and services. Delaying retirement is not only related to personal pension plans, but also to the sustainable development of the whole society. Therefore, discussing the issue of delayed retirement is not only a matter of personal interest, but also the future of society as a whole.
1) Early retirement pension.
The benefit of delaying retirement is that it can ease the pressure on pensions**. By increasing the number of active employees and reducing the number of retirees, it is possible to balance pension income and expenditure and ensure the sustainability of the pension system. At the same time, delaying retirement can also allow the elderly to continue to give full play to their experience and wisdom in work and life, give full play to their talents, and provide more valuable services to the society. In addition, delaying retirement is also conducive to solving the problem of insufficient human resources and maintaining social stability and development.
2.Early retirement implementation plan.
In order to ensure the smooth progress of the delayed retirement work, the State has developed a progressive implementation plan. The programme is not a one-time increase in the retirement age, but is implemented gradually, with a slight delay each year until the set target is reached. Currently, the legal retirement age is 60 for men, 55 for women, and 50 for workers. According to the plan, by 2055, the retirement age for both men and women will be postponed to 65. Some experts believe that the current retirement age of 50 for women is no longer reasonable, and it is recommended that the retirement age for women be extended to 60 years old to make full use of women's labor and wisdom. However, there are some more pessimistic opinions, believing that the aging problem in China is serious, and young people may have to postpone retirement until the age of 70 or 80. These views have sparked extensive discussion and reflection in society.
3.Estimating the retirement age.
Under the Delayed Retirement Plan, which is delayed by 2 to 6 months per year, everyone can reasonably calculate their retirement age by keeping a close eye on the development trend of retirement policy. However, it should be noted that this is only a preliminary estimate, and the final retirement age has yet to be determined according to actual conditions and political adjustments. Therefore, when planning for retirement, individuals should also consider multiple perspectives and flexibly adjust their retirement plans to ensure a reasonable quality of life and pension plan.
It is hoped that with a deeper understanding of the issue of delayed retirement, people will be able to make more informed decisions and be fully prepared for their future retirement. No matter how the retirement age is adjusted, the key is to plan reasonably and respond positively to ensure a happy and fulfilling life in old age. May all future retirees enjoy their old age in peace and happiness.