If you are in good health and do not have a family burden, it is better to choose to retire in 2027.
The reasons are as follows:
First, as a lesbian with a senior title, in the unit is not the person in charge of the business of the top, no matter from the contribution to the country, or to reflect the value of the individual, should be working for another five years, adhere to the 2027 retirement.
Second, the professional and technical personnel in the institutions enjoy the title salary. As a professional and technical personnel appraised as senior title, if it is a deputy senior title personnel, enjoy the salary of deputy county, division level or above position; if it is a full senior title personnel, enjoy the salary of the position of the main county division ~ hall bureau level. In the system, excluding year-end bonuses and benefits, each month can receive a salary of 10,000 to 20,000 yuan, including the income from the housing provident fund, a year's salary and bonus income of at least 300,000 yuan, or 1,500,000 yuan over five years. However, if you retire in 2022, even if you receive a monthly pension of $10,000, you will receive $120,000 a year, or only $600,000 for five years. In addition, delaying retirement for five years, due to the differences in contribution years, contribution salary, social wage, and the number of months of payment, the monthly pension for retirement in 2027 will increase by at least 4,000 yuan compared with that in 2022.
Third, it is a complete misunderstanding that the 2022 retirement will be more cost-effective than the 2027 retirement pension. Yes, as a 2022 retirement "in the people ″, in the 10-year transition period of the pension will be calculated in accordance with the new method and the old method of comparison. If the pension calculated by the old method is higher, it will be issued according to the amount calculated by the old method; if the pension calculated by the old method is higher than the amount calculated by the old method, in addition to issuing the pension calculated by the old method, the treatment of the higher part of the pension will be issued in accordance with the ratio of the adjustment of the transition period of 10 years, and 10% will be issued for each transition year. But why don't you think about it, the institutions will increase the salary every two years, delaying the retirement for five years can increase the salary by at least 1,000 yuan or more, the contribution ratio of the pension insurance is determined in accordance with the total amount of my salary, the higher the salary, the more the contribution, the principle of pension is to pay more, pay more, pay more, more, more, more, more, more, more, more, more, more, more, more. In addition, with the development of the economy, the average social wage increases by 8% to 10% every year, and the higher the average social wage, the higher the calculated pension. The higher the average social wage, the higher the calculated pension. plus the different retirement age, the number of months of payment is different, in 2022 the number of months of payment for the 55-year-old retirement is 170, while in 2027 the number of months of payment for the 60-year-old retirement is 139. the smaller the number of months of payment, the more the calculation of the personal account pension. These several factors combined together a calculation, the same one has a senior title of the lesbian, 2027 retirement and 2022 retirement compared to the monthly pension to stop less than more than 4000 yuan.
To sum up, a comrade with a senior title should choose to retire in 2027 if her physical condition and family conditions allow.
If it is me, choose 2022!
1. Age is not forgiving. Lesbians 55 years old although the body is still good, but the menopause phenomenon will be very tortured. If you continue to work, you can't take time off for this reason, right? Stick to work, work efficiency will certainly be affected not to mention the physical condition will not be much better.
2. Family burden is light. At this age, children are generally older, do not have to think too much about the economic factors, so although the retirement money will be less, but not much impact. The pension should be able to fully cover our lives. Besides, more money is less money is the same over.
3. You can choose to live the life you like. When you retire, you are free. You can choose to sleep every day to wake up naturally, you can also choose to stay up all night; you can choose to travel around, you can also choose to stay at home with children; you can choose to square dance, you can also choose the gym ...... if it is just can not be idle, you can go to find a favorite thing to do.
Of course, if you just like the current work, and the body still eat, you can also choose 2027 back. Just go with your heart.
With senior title lesbian 2022 and 2027 retirement how to choose? In my opinion, the key lies in the title of the two retirement time nodes, that is, 2022 and 2027 for retirement procedures, based on the level of basic pensions can receive an objective analysis and comparison. If the analysis is thorough to the point, the advantages and disadvantages of clear, that how to choose, how to go, it is not a tricky problem.
First, analyze and interpret the issue of early retirement with senior title lesbians in 2022. 2020 for early retirement procedures, belonging to the eighth year of the ten-year transition period of the retired middleman, according to the policy of the policy of the insurance low limit, the new approach that the middleman transition approach is higher than the old part of the 80% of the old approach can be added to the old approach above the calculation results. In addition, after early retirement in 2022, can be included in the scope of the basic pension normal adjustment mechanism from 2023, to 2027 normal retirement can participate in the five basic pension adjustment. If the five adjustments can be in place as scheduled, the 2022 retirement to 2027 period, the absolute amount of its basic pension increase part of the estimate will be in more than a thousand dollars or so.
And then analyze the interpretation of senior title lesbian 2027 normal retirement. It can be said with certainty that by 2027 with senior title lesbians 60 years of age when retired, has completely crossed the ten-year transition period of the retired people, the basic pension is no longer guaranteed low limit high constraints, can be "one-step" calculation of the retired people in the basic pension income. Compared with the choice of early retirement in 2022, the five-year period in the salary income of the employee's growth rate, certainly higher than the growth rate of the basic pension of retirees, this is indisputable. Because of the delay of five years for retirement procedures, this will inevitably lead to the cumulative reserves of personal accounts and occupational pension accounts of the growth of the amount, undoubtedly are very considerable.
Obviously, from the overall accounting and weighing comparison, choose 2027 for retirement procedures, and 2022 for early retirement procedures, purely from the basic pension to receive the absolute amount of actuarial and comparative point of view, that choice of 2027 for retirement procedures, certainly more cost-effective and affordable some more. Specific performance: 2027 for retirement procedures, the contribution period extended by five years, five years after the social wage will be higher than 2022 a big cut; five years of personal account accumulated reserves and occupational annuity account balance, there will be the more substantial growth and improve; five years of wage growth over the pension growth, is also a probability of things.
A lesbian with a senior title retired in 2022, how to choose to retire in 2027? According to your description, you belong to the senior technical title female, in accordance with the current policy of our country, the retirement age of 60 years old, you can also choose to apply for retirement at the age of 55. According to my understanding of senior intellectuals, high knowledge groups generally will not spend their main energy in the family trivia, career is their life, so I still support you in 2027 for retirement.
Women with senior technical titles should belong to the staff of the institution, the state to train a female cadres above the deputy division level is relatively easy, but to train a senior technical title of the technical leader is very rare, we are familiar with, during the epidemic Li Lanjuan academician, has 76 years of age, but also fought in the fight against the epidemic on the front line, and its actions y moved every one of us. Her behavior y touched every one of us in China. You as a senior title of women, although not in accordance with the standards of academicians to require their own, but for their own sake, in order to unit the development of the cause, the choice of 2027 for retirement are more favorable.
From the public, as a unit of senior technical talent, you can give full play to the role of passing on the role of their own professional strengths, more training part of the young and middle-aged technical talent, if they belong to the professor or associate professor, but also to bring out two generations of graduate students, if they belong to the doctor or other scientific research talent, you can complete the hands did not complete the scientific research tasks or teaching tasks, through the passing on the role of the other colleagues not only to the unit to teach their colleagues, but also to the other colleagues. Through the transfer, not only to other colleagues in the unit to teach their own knowledge, experience, more importantly, young people can work and learn with you, can be your professionalism, standards of conduct in mind, in the unit to form a clean and positive atmosphere of good academic atmosphere, can be left in the spirit of leaving the results left behind, teachers, teachers, teachers, is to the country, to the unit to make a significant contribution.
Personally, people like you are basically not bad money, but if you choose to retire in 2027, "money" is still very good. Late five years for retirement, at least in this piece of salary and bonus than in 2022 for retirement to get more than hundreds of thousands of more, including salary and bonus, unit benefits, housing provident fund, etc.; from the pension point of view, in 2027, the pension of the career staff are basically in accordance with the standard calculation of the retired newcomers, one step to the right, and there is no longer ten years of transition period of trouble, but still essentially belongs to the retirement in the People, because there are still deemed contribution years, there are transitional pensions, just not in the segmentation of the calculation but a step. Plus five years after the average monthly salary of employees compared with the first five years ago, at least 25 to 30 percentage points of growth, plus to pay more than five years of contributions, more than five years of occupational pensions, pension increases should be more than a thousand dollars, which is more than in 2022 for retirement, up five years of pensions to increase the pension is much more.
In summary, I did a simple analysis from the unit level and personal level, both public and private, or in 2027 for retirement is more cost-effective. From the unit, you can ensure that your discipline in the unit to be continued; from the private sector, the health of the body more helpful, every day to work more regular, more conducive to their physical and mental health; from the economic benefits of course, is also the "money" is unlimited, you can guarantee that after the retirement, there is a more abundant pension to help you through the retirement time.
Hello owner, with a senior title of lesbians, 2022 retirement and 2027 retirement how to choose? If it is as a career staff, then 2022 and 2027 is a clear difference, because 2022 is belonging to the institutions in the transition period of the retirement time, because after October 2014, to 2024 before September set up a ten-year transition period in the institutions in the transition, of course, in the transition period in the middle of the transition period of the people to retire, you can get a transitional compensation pension and Pension, in the process of calculating the principle of combining the old and new methods, take the high to compensate for the low to calculate, fundamentally speaking, the pension of the middle man will not be affected too much.
But if you say that you choose to retire in 2027, then it also means that after 10 years of the transition period of the middle man, that time the retired business unit personnel are called new people, so the new people are completely using the new calculation method, that is, with the current. Enterprise unit retirees the same calculation to determine their own pension, then it also means that if you retire as a middleman can get an old way, pension treatment is higher, then actually you as a newcomer to adopt a new approach or pension, relatively speaking, on your own will cause certain impact and loss.
So the specifics I think should be based on your own reality to decide, of course, from the social security point of view to consider, then early retirement for their own have certain advantages, because early retirement means that you can enjoy the treatment of receiving a pension in advance, although it may be from the cumulative number of years of contributions will be less than a few years, but after all, after early retirement after their own can be obtained nearly 5 years or so. The growth of the pension, so you can make up for the lack of accumulated years of contributions, plus the total amount of your pension should be more than the total amount of the pension than when you retire late, and you can also live an early retirement pension life, so I think it is more appropriate to choose the early retirement from the social security point of view, but in the end, how to choose, take into account their own actual situation, and ultimately to decision.
Thanks for reading, please add my attention.
I think the question means which year is suitable for retirement. 2022 and 2027 are two different years for the retirement policy. The turning point is 2024.
It depends on your situation. One is that you have a good body and can afford your duties. Secondly, you like this job and feel happy working. Thirdly, there is not much trouble at home. For example, there are no old people for you to take care of, and there are no grandchildren for you to manage. If these three conditions can be achieved, you can consider delaying retirement to 60 years old. This is a more fulfilling life at work, and the income is much more than retirement.
The body allows, can handle the workload, the family does not have elderly children accounted for the hand, you will 2027 and then retired, on the class salary is high, five years late retirement retirement salary is certainly high. If the body is not good or have grandchildren to see, retired, I think retirement and not retire really not the same, retired body psychological completely relaxed. Live a few more years and take less medicine than anything else.
Learn to make things clear and ask again.
It is more cost-effective to delay retirement by 5 years if you have a senior title, which means that retiring in 2027 is more favorable compared to retiring in 2022.
Let's look at it purely from the point of view of income, retirement in 2022, is in accordance with the pension calculation method of the retired people to approve the pension treatment, and in the 10-year transition period, the pension will be based on the combination of the old and the new methods, to ensure that the low limit is high. This can also receive five more years of pension, if the monthly 8,000 yuan to calculate, then five years down you are able to receive more 480,000 yuan of pension income.
And the 2027 retirement, has passed the 10-year transition period, you will use the new method to calculate the pension benefits, no longer a combination of the old and new methods, but you are still in the middle of the people, there is still a transitional pension, so there will not be any great impact. In addition, you continue to work for five years, the salary, job subsidies, allowances, housing provident fund and other calculations, five years down the road should also be able to get far more than 500,000 yuan of income, and because you pay more than five years of pension insurance and occupational pensions, then your pension level conservatively can be increased by more than a thousand dollars a month, if the 2020 level of the pension is 8,000 yuan, then in 2027 The pension should be able to reach the level of 10,000 yuan.
So retiring in 2027, if you consider it purely on an income level, is much more cost-effective than in 2020, but of course, if you think more about career fulfillment and the honor of the position, these are even more worthwhile to choose to retire in 2027.
@SocialSecurityDawn, thanks for reading.