Nowadays, retiring at the age of 60 can be described as a successful retirement, and because her mental outlook when she retired is very good, it has aroused netizens' yearning for life after retirement.
China is the only country in the world with an elderly population of over 654.38 billion.
The population over 60 years old is increasing by more than 3% every year.
In 20 15 years, the elderly population in China will reach 22 10/00000.
In 2020, there will be one elderly person in every five people.
In 2040, there will be one elderly person in every three people.
China is facing a wave of aging.
The aging is so serious, but at the same time, there are fewer and fewer newborns. In 2020, the number of people born will decrease 18% compared with 20 19, and the declining birthrate will become more and more serious. This contrast is terrible.
"aging" means that there will be more and more living people who will take money and not do it in the future;
"having fewer children" means fewer and fewer people will work for money in the future;
In the long run, the result can be imagined. Therefore, a series of policies, such as the "three-child policy" and the "double reduction policy", have been recently promulgated in order to solve the contradiction between "aging" and "fewer children", which is a "grey rhinoceros risk" that is getting closer and closer to us.
So how to solve this problem?
At present, according to the country's top-level strategy on old-age care, basic old-age care depends on the government, and high-quality old-age care depends on individuals.
Basic pension, similar to low-income pension, can solve the problem that you can live, but it can't guarantee how well you live.
Quality pension, decent and dignified pension, to ensure that the old-age life will not be reduced because of reduced income or non-work.
Obviously, everyone is more willing to live a quality retirement life.
To ensure the quality of old-age care, you must have a sum of money, which must be long-term, safe and stable in Qian Shengqian! Don't be transferred by anyone's will!
At present, among the financial instruments on the market, the social pension insurance provided by the state is suitable for basic pension, and the commercial pension insurance is suitable for quality pension.
To determine the quality of old-age care, we must first determine how much money we will give you every month after retirement. Everyone here has different standards, just like wealth and freedom. Some people have 1000 million wealth freedom, while others have1000 million wealth freedom.
Personally, the correct freedom of wealth is that your monthly passive income can cover all your expenses, that is, if you don't work, you can meet all your living expenses by relying on various financial management, rent or sideline income. This is your wealth and freedom.
Similarly, the quality of old-age life should be that your monthly pension can completely cover all kinds of living expenses and ensure the quality of life before and after retirement.
Therefore, a concept "pension replacement rate" is introduced here.
Pension replacement rate = pension-income before retirement
Social security pension received after retirement = individual pension+basic pension
Personal pension = individual account storage amount ÷ payment months.
Basic pension = (average monthly salary of local employees in the previous year+average monthly salary of myself) ÷2× payment period × 1%
My indexed monthly average payment salary = the average monthly salary of local employees in the previous year × my average payment index.
I started working at the age of 25. During my work, I have been paying endowment insurance in accordance with the ratio of 8% for individuals and 20% for enterprises stipulated by Beijing, and I have never stopped. Assuming that the average monthly salary of employees in Beijing in 2020 is 6463 yuan, the pension replacement rate is as follows:
Suppose our current monthly income is 1 10,000 yuan, and the pension issued by the state after retirement is 3083 yuan, with a 70% income difference before and after retirement. Assuming that the monthly living allowance before retirement is 5,000 yuan, the living allowance can only be reduced to 1500 yuan after retirement, which is a huge gap.
If you want to continue to live the same life as before retirement, you must pay 7000 yuan a month through commercial endowment insurance.