asks you a question:
Are you prepared for your retirement?
Some people may say:
You are young,
should you prepare for your own retirement?
In fact, it is necessary to prepare in advance!
Look↓
Zhang Yinghua, executive researcher of the World Social Security Research Center of the Chinese Academy of Social Sciences, said in an interview on the issue of elderly care that young people should not only respect, be filial, and love the elderly, but also make early reserves and make more preparations for their own elderly care.
Because ↓
According to statistics from the National Bureau of Statistics, at the end of 2016, the population in mainland my country was 230.86 million people aged 60 years and above, accounting for 16.7% of the total population; the population aged 65 years and above was 150.03 million, accounting for 10.8% of the total population.
It is estimated that by 2020, the national population of people over 60 years old will increase to about 255 million , accounting for about 17.8% of the total population; the number of very old people will increase to about 29 million, and the number of elderly people living alone and empty nesters will increase to about 118 million people.
"The most romantic thing I can think of,
is to grow old slowly with you."
The desire to stay together until old age is a beautiful thing,
but enjoying your old age cannot be separated from
a reliable source of income.
So,
how should young people now
prepare for their future retirement?
Let’s take a look~
1
Pension
Pension, also known as pension and retirement fee, is the most important pension insurance benefit. After workers become old or lose their ability to work, based on their contributions to society and their qualifications for pension insurance or retirement conditions, insurance benefits are paid in the form of currency on a monthly or one-time basis to protect employees' retirement. basic living needs.
Specifically, pension insurance includes basic pension insurance for urban employees and basic pension insurance for urban and rural residents. According to statistics, at the end of 2016, the number of people participating in the basic pension insurance for urban employees nationwide was 378.62 million, and the number of people participating in the basic pension insurance for urban and rural residents was 508.47 million.
When workers reach the statutory retirement age , they will receive pensions on a monthly basis after having paid fifteen years of accumulated contributions.
The Ministry of Human Resources and Social Security and the Ministry of Finance recently issued a notice clarifying that starting from January 1, 2018, the basic pension will be increased for retirees from enterprises, government agencies and institutions who have completed retirement procedures as required before the end of 2017 and received basic pensions on a monthly basis. The overall adjustment level is about 5% of the monthly per capita basic pension for retirees in 2017.
On May 10, 2018, the Ministry of Human Resources and Social Security and the Ministry of Finance issued the "Notice on Raising the Minimum Standards of the National Basic Pension Insurance for Urban and Rural Residents in 2018", deciding that starting from January 1, 2018, the National Basic Pension Insurance for Urban and Rural Residents The minimum basic pension standard is raised to 88 yuan per person per month, which is an increase of 18 yuan on the original 70 yuan per person per month.
2
Enterprise annuity
Enterprise annuity refers to a supplementary pension insurance system voluntarily established by enterprises and their employees on the basis of participating in basic pension insurance in accordance with the law.
The fees required for the enterprise annuity are paid jointly by the enterprise and individual employees. The fund is fully accumulated and a personal account is established for each employee participating in the enterprise annuity. The annual contribution paid by the enterprise shall not exceed 8% of the total salary of the enterprise's employees, and the total contribution paid by the enterprise and individual employees shall not exceed 12% of the total salary of the enterprise's employees. The specific required expenses shall be determined through negotiation between the enterprise and the employee.
When employees reach the retirement age stipulated by the state or completely lose the ability to work, they can receive enterprise annuity from their personal enterprise annuity account on a monthly basis, in installments or in one lump sum, or they can use all or part of their enterprise annuity personal account funds to purchase commercial products. Pension insurance products, receive benefits according to the insurance contract and enjoy corresponding inheritance rights. The enterprise annuity personal account funds of persons who have settled abroad can be paid to them in one lump sum according to their requirements. After the death of an employee or retiree, the balance of his or her corporate annuity personal account can be inherited.
As of the end of 2016, there were 76,000 enterprises nationwide with enterprise annuity establishments, 23.25 million employees, and enterprise annuity fund accumulation of 1.1 trillion yuan. Compared with 2007, there were 32,000 enterprises, 9.29 million employees, and accumulated funds. 151.9 billion yuan, has developed to a certain extent, and has initially shown its role in supplementary pension.
3
Occupational annuity
Occupational annuity refers to the supplementary pension insurance system established by government agencies and institutions and their staff on the basis of participating in the basic pension insurance of government agencies and institutions.
The expenses required for occupational annuity are borne jointly by the unit and the individual staff member. The unit's contribution rate for occupational annuities is 8% of the unit's total salary, and the individual contribution rate is 4% of the individual's salary, which is withheld by the unit. The payment base for units and individuals is consistent with the basic pension insurance payment base for staff in government agencies and institutions. After
staff members meet the retirement conditions stipulated by the state and go through the retirement procedures in accordance with the law, they can choose to receive occupational annuity benefits on a monthly basis.
4
Personal savings pension insurance
Personal savings pension insurance is an integral part of my country's multi-level pension insurance system. It is a form of supplementary insurance that employees voluntarily participate in and voluntarily choose the handling agency .
Personal savings pension insurance is an employee personal savings pension insurance operated by social insurance institutions. Specific measures are formulated by the social insurance authorities. Individual employees pay personal savings pension insurance premiums in accordance with regulations based on their salary income. , recorded in the personal pension insurance account opened by the local social insurance agency in the relevant bank, and the interest should be calculated at a rate not lower than or higher than the interest rate of urban and rural residents' savings deposits in the same period, in order to promote and encourage individual employees to participate in savings pension insurance, and the interest earned by It is credited to the personal account, and the principal and interest belong to the employee personally..
After an employee reaches the legal retirement age and is approved to retire, the savings pension insurance fund will be paid to the employee in a lump sum or in installments based on the personal account . When employees move across regions, the savings pension insurance funds in their personal accounts should be transferred accordingly.
5
Commercial pension insurance
Commercial pension insurance is a type of commercial insurance. It takes human life or body as the insurance object. When the insured retires or the insurance period expires, the insurance company will pay the pension according to the contract .
At present, annuity insurance, endowment insurance, term insurance, and whole-life insurance in commercial insurance can all achieve the purpose of pension, and they all belong to the category of commercial pension insurance. Commercial pension insurance can also be used as a means of forced savings to help young people prepare for a rainy day and avoid excessive consumption when they are young.
Five departments including the Ministry of Finance and the Ministry of Human Resources and Social Security recently jointly issued the "Notice on Launching the Pilot Program of Personal Tax-Deferred Commercial Pension Insurance", which clarified that starting from May 1, in Shanghai, Fujian Province (including Xiamen City) and Suzhou The industrial park implements a pilot program of personal tax-deferred commercial pension insurance.
notice stated that the expenditures of individuals in pilot areas purchasing commercial pension insurance products that meet the regulations through personal commercial pension fund accounts are allowed to be deducted before tax within certain standards; investment income included in personal commercial pension fund accounts will not be levied for the time being. personal Income tax ; Personal income tax is levied when individuals receive commercial pensions.
6
Provident Fund
According to the "Housing Provident Fund Management Regulations", when employees retire or retire, they can withdraw the storage balance from the housing provident fund account and cancel the employee housing provident fund account at the same time.
According to statistics from the Ministry of Housing and Urban-Rural Development, as of 2015, there were 123.9331 million employees nationwide paying housing provident funds. At the end of the year, the total housing provident fund deposits were 8.949036 billion yuan, with a balance of 4.067472 billion yuan.
The last way,
is also the most important,
that is ↓↓↓
7
Stay healthy
I would like to send you a
recognized "healthy schedule".
From now on, we will follow this schedule!
Rest on time and exercise.
Keep a happy mood!
(Source: Workers Daily Client, Workers Online, Health and Health for a Healthy Life)
