40-year-old by Han pension Insurance Tips Tips Bar

Category: Insurance tips Release Date: 2006-08-01

When to retire? The possibility of early retirement? Retirement will because the "live too long" and affect the quality of life in old age? Need to associate the number of pre-retirement pension? How to secure additional pension? These difficult and realistic issue, and ultimately merged into one question: "As more than 40 middle-aged man, on what basis that time retire?"

"Now a good life. Occasionally, my wife and I will be talking to retirement, after we retire together to imagine what life would be." 42-year-old Mr. Xiang said. Item is a state-owned enterprise in charge of personnel departments, monthly income of 4,000 yuan; wife is a hospital nurse, monthly income of 3,000 yuan; they have a son, was studying third-year, spring and summer of next year to participate in the exam.

40-year-old, is the prime of life. Business Ye Hao, family or whatever, at the peak of life. At present most of the 40-year-old man, turning her eyes more toward a high quality of life in the pursuit of more funds into reserves for their children's future education. Few people think of 15 or even 20 years later, on what basis their own retirement.

"In fact, is also fast, which is a few months more than a decade. I really do not know what kind of time, able to live into." Key tone with a modicum of confusion. In the 20 ~ 40 years old by the past two decades, the "spring summer planting," Mr. items like this "40-year-old man," the time is already near retirement, it should begin to slowly consider the future of the pension problem.

Difficulties in early retirement
"Sometimes that work is too hard, we will also have the idea of early retirement. But we are all working-class, and the child to have graduated from university in 2078 time, but also a lot of a lot of money. Therefore, this early retirement thoughts, or forget it. "middle-income spouses, Mr. items not think so.

Even well-off family property to Ms wife, but dare not rashly take early retirement. And has just turned 40, I-wah, senior staff in the foreign-funded enterprises to do, the annual income 10 million; Mr. foreign trade companies to open their own annual income 20 million to 400 thousand yuan. Son's fifth grade in primary school foreign language schools in the future, is also prepared to let him study. But my husband is not business income, the stability of the large expenditure on children in the future, in order to ensure that the current standard of living in the premise of "affluent retirement", they still need to overcome many difficulties.

Early retirement, there is a very practical question: From your early retirement until the day before the statutory retirement age for all days are not eligible for social pensions. Since the existing social security system, the monthly pension after retirement, mainly consists of two parts, one for 20% of average wage in society, the second is a personal pension account balance 1 / 120. Among them, the average wage part of the community all the same, the difference is mainly reflected in the personal pension account balances. If the early retirement, while not continue to pay social endowment insurance, then by the statutory age of retirement pension, you will not be able to earn a more; if it continues to pay premiums, at this time your identity has become a "free employment persons ", as the unit's share of the social old-age pension from the insurance premiums paid by their own turn, then the source of wage income in the absence of circumstances, to bear all their own old-age insurance, is obviously more difficult.

Although no early retirement, in accordance with the legal age of retirement, pension pressure is very great.

Raising a child is not old age depends on the
"Raise children to provide for old age" is the Chinese people's traditional concept of retirement, but now into the 21st century, this pension model has no longer realistic.

In the "only a good" policy to encourage, children, parents and grandparents from small "hand-heart meat." Chinese parents of distressed children in particular, from the beginning of pregnancy, to eating milk powder, to the day-care center, to the elementary school, junior high school, in order to "not lose at the starting line," he usually multi-purpose something might be distressed, but to the child "to drop it "12 million or 100 thousand yuan on a" School Choice fee "to the child please all kinds of expensive private tutor, never" soft ", are all concentrate. For the average working families, apart from the housing mortgage repayment, the child is the greatest expenditure, the monthly basic household expenses for more than half of children who spend.

Ms such as parents, the child also intends to complete a university let him go abroad and "gold plating" of marriage should be ready before a huge "marriage gold", or even to give their children ready for marriage room, several hundred thousand dollars The first payment ... ... China can be said to his wife love their children to the extreme, the lifetime accumulation of wealth have contributed to the child. And raise children into the marriage age (25 to 30 years of age, mostly), the husband and wife both retired time is not far, there are those who have even delayed marriage and childbearing should be retired.

Since China's longstanding one-child family planning policy, and with the improvement of living standards and medical standards, the National is expected to greatly push the age at death, the community further aggravated the degree of aging in the future will be a "two children, caring for 4 to 6 months old" situation. Today, forty to fifty-year-old middle-aged knees have only one child, relying on their children to protect their lives after retirement, so that adult children to share their own pension pressure, the possibility has been getting lower and lower.

Social insurance can only make ends meet
"We know that today's kids after the unreliable, they can manage themselves on the good. Fortunately, we are now paying monthly pensions, the future can rely on the Government." See the unit on a regular basis to pay unemployment insurance, housing provident fund, medical insurance and personal pensions, so that Mr. items do feel a little comfort in old age.

However, to understand their own personal pension payment of city ways, the items found in a frustrating, Mr. results: under the current pension extraction ratio in their post-retirement pension can be to get a very small, probably only very in one-third of monthly income. In other words, it is difficult to continue to maintain our current standard of living.

Wah is more depressed, because she found that the payment of social pension insurance ratio is calculated in accordance with the wages of workers, and pay the base with an upper limit, no more than the previous year, the average social capital of 300%, so for her salary, so higher incomes, personal pension to pay a relatively low percentage of people, pension contrast with the current revenue would be greater quality of life, a discount percentage will be higher.

It was once likened the basic old-age insurance, "the basic old-age insurance is an Ao Yu's pot of rice per month per person from his own pocket to the pot poured into 1 meters or less, to the old time, assigned to a large or small spoon, from the pot-sheng porridge, so you drink only porridge. " Some people have made a rough calculation: Suppose your personal monthly wage is 1,500 yuan has been unchanged, the city's average wage is 1,500 yuan in the same, then you can expect to receive a retirement pension of about 1,100 yuan a month or so; if you have a monthly salary of was 5,000 yuan, the final pension is about 2,000 yuan. The basic old-age insurance is social justice, both now and their wages, the last difference is not significant.

Moreover, the current pension system is in-service workers to support retirees, two sharp population in the middle of the spindle-shaped structure of the social old-age insurance will exert tremendous pressure. Shanghai Academy of Social Sciences told a reporter, Shanghai, starting with pension funds when the balance every year, but after a period of time after the leveling. Currently selected from the population point of view, the Shanghai pension fund shortfall has not yet appeared, it has already consumed the previous balance, the balance may be consumed another two years, finished. The source also said that the existing social security system in the pension account to do hair there are some problems, such as after retirement, the average residual life expectancy has more than 20 years of cases, the individual account pension is still based on an average life expectancy of 10 years ( 120 months) to be issued, will result in increased payment risks. In the next 30 years, if the current system mode to continue running, Shanghai will have a "huge debt." While the State to protect the finances of the system will support, but we must be clear, like social security there are also "solvency deficiencies" of risk.

Therefore, a relatively high income white-collar workers, if the social security system and pensions alone, we should do a good job before and after retirement will undergo tremendous changes in the lives of the psychological preparation. Can be said that relying solely on social security systems to achieve the abundance of old age is unrealistic.

Supplementary pension plan are not yet ripe
While the countries wish to create the community, businesses and individuals three dimensional old-age security system, but the supplementary pension scheme is still in its infancy stage, for people who are now in their early 40s, the force is not strong.

Enterprise supplementary pension insurance scheme that is now a little more and more enterprises pension system, which is provided by a company for workers welfare and security, generally have the ability of businesses to voluntarily establish. In other words, options and initiative are in the hands of business, we now have only a few enterprise employees can enjoy. Enterprise Annuity is also only a few large state-owned enterprises have conducted experiments on how the future direction of reform is not yet clear, the number of workers can benefit from is not known. Thus, over 40-year-old people want to rely on the enterprise supplementary pension plans, but also take some time.

Inflationary erosion of pensions
Pressures in the pension, there is one point I must mention, that is, the erosion effect of inflation on pensions. On the development of report predicts that from 2006 to 2015 in China each year to maintain at least 3% to 4% rate of inflation. If inflation continues in coming decades, it certainly will present hard-won social pooling pension eroding, "black and blue." This means that, according to an annual 3% inflation, 20 years later, 2,000 yuan a month pension, the actual purchasing power is only equivalent to the current 1,100 yuan; 20 million is only equivalent to the current level of about 11 million to buy. Thus, by a variety of investment channels for themselves and their families and increasing the value of assets in order to resist the harm of inflation should be a 40-year-old retirement planning important point.