The reason for this is the following：
As a lesbian with a senior title, she is either the person in charge or the top professional in the unit. Judging from her contribution to the country or personal value, she should work for another five years and insist on retiring in 2027.
Professional and technical personnel of two institutions enjoy professional titles and wages. As a professional and technical personnel with senior titles and deputy senior titles, they enjoy the salary of posts at or above the deputy county level; If you are a person with a senior professional title, you can enjoy the salary from the county level to the bureau level. Within the system, except the bonus and welfare at the end of the year, you can get 1 10,000 ~ 20,000 salary every month, including the income from the housing provident fund. One year's salary and bonus income is at least 300,000, and five years is 15000. However, if you retire in 2022, even if you receive a monthly pension of 10000 yuan, it will be 120000 yuan in one year, and only 600,000 yuan in five years. There is also a five-year delay in retirement. Due to the differences in payment years, payment wages, social wages and payment months, the monthly pension for retirement in 2027 will be at least 4,000 yuan more than that for retirement in 2022.
3. It is a complete misunderstanding that retirement in 2022 will be more cost-effective than retirement pension in 2027. Yes, as a "middleman" who retires in 2022, the transitional pension of 10 will be calculated according to the new method and the old method. If the pension calculated by the old method is higher, it shall be paid according to the amount calculated by the old method; The pension calculated according to the old method is higher than that calculated according to the old method. Except for the pension calculated according to the old method, the excess part is calculated according to the transition adjustment ratio of 10 every transition year 10%. But why don't you think that employees in government agencies and institutions can get a salary increase every two years, and at least they can get a salary increase of 1000 yuan if they delay retirement for five years? The contribution ratio of endowment insurance is determined according to its total wages. The higher the salary, the more they pay, and the principle of receiving pension is to pay more and get more. Moreover, with the development of economy, the average social wage is increasing at the rate of 8%~ 10% every year. The higher the social wage, the higher the calculated pension. In addition, the retirement age is different, and the number of months is different. The number of months to retire at the age of 55 in 2022 is 170, and the number of months to retire at the age of 60 in 2027 is 139. The less the number of months, the more personal account pension calculation. Taken together, these factors show that lesbians with senior titles will receive a pension of at least 4,000 yuan per month compared with retirement in 2022.
To sum up, lesbians with senior titles should choose to retire in 2027 if their physical and family conditions permit.
How do lesbians with senior titles choose to retire in 2022 and 2027? In my opinion, the key lies in the objective analysis and comparison of the two retirement time nodes mentioned in the title, that is, when going through retirement procedures in 2022 and 2027, it is based on the basic pension level that can be received. If the analysis is thorough and clear about the advantages and disadvantages, then how to choose and where to go is not a difficult problem.
First, analyze and interpret the early retirement of lesbians with senior titles in 2022. When the early retirement formalities are handled in 2020, it belongs to the eighth year of the ten-year transition period for retirees. According to the policy of keeping the low level and limiting the high level, the new method, that is, the transition method of China people, is 80% higher than the old method and can be added to the calculation results of the old method. In addition, after early retirement in 2022, it can be included in the normal adjustment mechanism of basic pension from 2023, and it can participate in five basic pension adjustments when it is retired normally in 2027. If the five adjustments can be put in place as scheduled, it is estimated that the absolute increase of the basic pension will be around 1000 yuan during the retirement period from 2022 to 2027.
Then analyze and interpret the normal retirement of lesbians with senior titles in 2027. It can be said with certainty that by 2027, when lesbians with senior professional titles retire at the age of 60, the ten-year transition period of retirees has completely crossed, and the calculation and payment of basic pensions are no longer limited by the minimum guarantee and the maximum limit, and the basic pension income of retirees can be achieved in one step. Compared with the option of early retirement in 2022, there is no doubt that the growth rate of wage income of on-the-job personnel is definitely higher than the growth rate of basic pension for retirees in five years. Due to the five-year delay in retirement procedures, it will inevitably lead to the accumulation of savings in personal accounts and the increase of occupational annuity accounts, which is undoubtedly considerable.
Obviously, on the whole, it is more cost-effective and affordable to choose to retire in 2027 and retire early in 2022. From the actuarial and comparison of the absolute amount of basic pension, it is definitely more cost-effective and affordable to choose to retire in 2027. The specific performance is: retirement procedures will be handled in 2027, and the payment period will be extended by 5 years. After five years, social wages will be much higher than in 2022; In five years, the accumulated amount of personal account and the balance of occupational annuity account will be greatly increased and improved; It is also a high probability that the five-year wage growth will exceed the pension growth.
If it were me, choose 2022!
1. Time waits for no man. Although a 55-year-old lesbian is healthy, menopause can be very painful. If you continue to work, you can't take time off for this reason, can you? Stick to work, work efficiency will definitely be affected, and physical condition will not be much better.
2. The family burden is light. At this age, children are generally older and don't have to consider too many economic factors. Therefore, although there will be less money after retirement, it will not have much impact. Pensions should be able to fully protect our lives. Besides, it doesn't matter whether you have more money or less.
You can choose to live the life you like. When you retire, you are free. You can choose to wake up naturally every day or stay up all night; You can choose to play around or stay at home with your baby. You can choose square dance or gym ... If you just can't spare the time, you can find something you like to do.
Of course, if you just like your present job and you can still eat, you can also choose to retire in 2027. Do what you want.
Under normal circumstances, the retirement age of female cadres is 55. However, according to the Notice on the Retirement Age of County-level Female Cadres and Female Professional and Technical Personnel with Senior Professional titles issued by the Central Organization Department and Ministry of Human Resources and Social Security on 20 15, lesbians with senior professional titles can choose to retire at the age of 55 or 60.
Whether you choose to retire in 2022 or 2027, they all belong to the "middleman" of government agencies and institutions, but the calculation method of retirement benefits is slightly different.
Retirement in 2022 is a ten-year transition period. The calculation of treatment will be based on the comparison between the old and new methods and the method of keeping the low and limiting the high. The proportion of transitional pension in the treatment will be higher.
Retirement in 2027 belongs to retirement after the transition period, and the treatment is calculated in full accordance with the new method, so the proportion of basic pension, personal account pension and occupational annuity will be higher.
However, these two calculation methods have little effect on the level of treatment.
But if you retire in 2027 and work for another five years, your income in these five years will definitely be much higher than after retirement. At the same time, because I have worked with senior titles for five years and paid five-year old-age insurance, the pension level after retirement will be higher than that after retirement in 2022. So, if you choose to retire in 2027, you will earn more.
And if you choose to retire in 2022, you don't have to control your working hours. When you are 55, you are in good health. You can take care of your family or dance school. Play wherever you want, and eat whatever you want!
Therefore, choosing between these two ages is actually choosing money or freedom.
If there are mines at home and the economic conditions are good, then naturally choose to retire at the age of 55. If there is financial pressure at home, then go to work well!
Hello, the landlord, a lesbian with a senior title, how to choose to retire in 2022 and 2027? If you are a career planner, there is a clear difference between 2022 and 2027, because 2022 is the retirement time of public institutions during the transition period, because after 20 14 10, a transition period of 10 was set for public institutions before September 2024. Of course, if you retire during the transition period, you can get transitional compensation pension and pension, which is calculated.
However, if you choose to retire in 2027, it means that you have passed the transition period of 10 years. At that time, retirees in public institutions were all called newcomers, so newcomers completely adopted the new calculation method, that is, the current one. Retirees in enterprises use the same calculation method to determine their own pensions, that is to say, if you retire as a China person and get the old method with higher pension benefits, then in fact, if you adopt the new method or pension as a newcomer, it will have certain influence and loss on yourself.
So I think the specific situation should be decided according to your own reality. Of course, from the perspective of social security, early retirement is good for you, because early retirement means that you can enjoy pension benefits in advance. Although there may be a few years less from the accumulated payment period, you can get pension growth for nearly five years after early retirement. Therefore, it can make up for the problem of insufficient accumulated payment period. In addition, your total pension should be more than when you retire later, so you can retire early. So I think it is more appropriate to choose early retirement from the perspective of social security, but in the end, how to choose depends on your actual situation and finally decide.
Thanks for reading, please add my attention.
Early retirement and delayed retirement have their own advantages. The key is which is better for you, so you can choose which one.
Many people may not know that according to the requirements of the documents of the Central Organization Department, the retirement age of female cadres and professional technicians with senior titles in government agencies and institutions has been extended to 60. However, I can also apply for voluntary retirement at the age of 55.
If it were me, I would certainly like to retire early. If you retire early, you can give yourself more limited time, especially senior titles in institutions. The pension after retirement is not low. Especially when you retire in 2022, you can still enjoy the old-fashioned retirement benefits.
After retirement, the pension will increase year by year according to the average social wage and price growth, and basically it is well-fed and well-fed.
Early retirement can take better care of the family. At the age of 55, it is almost time for children to grow up and the elderly to need family care. Even if I haven't met them for a while, how many years can I have a good life? When you are in good health, you can walk more and play your hobbies, such as traveling and seeing the world.
For public institutions, wage income is very stable and will continue to grow. At any time, the wage income of work is higher than the retirement pension.
After working for more than a few years, wages will generally increase steadily, such as various bonuses and incentives, and there are also many benefits in the unit. Professional and technical posts in government agencies and institutions are generally relatively easy. If the individual is really not good, the leader will also consider others, and there are generally not many punishment measures.
If you work for five more years and pay five more years of old-age insurance, your pension can also be greatly improved. According to the calculation formula of pension benefits, the retirement pension benefits of government institutions mainly include basic pension, personal account pension, transitional pension and occupational annuity.
The basic pension is linked to the payment period, and the five-year pension will definitely increase. In addition, the average social wage will increase by 8%~ 10% every year. Transitional pensions are also linked to social wages. In this case, it is definitely more cost-effective to retire late.
Personal account pension and occupational annuity depend on the accumulated amount. With the passage of time, the corresponding payment and interest will accumulate more and more, and the later retirement pension will definitely be higher.
After retirement, the annual growth rate of pension is about 4%~5%, which certainly can't keep up with the continuous payment and the increase of average social wage.
Although the transition period from 20 14 10 to September 2024 is 10, in most cases, the new method has high retirement benefits, especially those with long payment years. If you retire early, it can only be 80% higher than the old method, so it is more cost-effective to retire late.
So if it is for higher pension benefits and higher income after retirement, it is better to retire after five years in this case.
Lesbians with senior titles will retire in 2022. How to choose to retire in 2027? According to your description, you are a woman with a senior technical title. According to China's current policy, the retirement age is 60, and you can also choose to retire at 55. According to my understanding of senior intellectuals, Kochi groups generally don't spend their main energy on family chores, and career is life, so I still support your retirement in 2027.
Women with senior technical titles should belong to the staff of public institutions. It is relatively easy for a country to train a female cadre above the deputy division level, but it is very rare to train a technical leader with a senior technical title. We are all familiar with Academician Li Lanjuan, who is 76 years old. He was still fighting in the front line of fighting against the epidemic during the epidemic, and his actions deeply touched every one of us in China. As a woman with a senior professional title, although she can't expect herself to be an academician, retiring in 2027 is beneficial to yourself, the development of the unit and the cause.
From the public point of view, the senior technical personnel of the unit can give full play to the role of mentoring and professional advantages, and cultivate more young and middle-aged technical personnel. If you are a professor or associate professor, you can also bring out two generations of graduate students. If you are a doctor or other scientific research talents, you can complete the unfinished scientific research tasks or teaching tasks. Through guidance, they can not only impart their knowledge and professional experience to other colleagues in the unit. More importantly, by working and studying with you, young people can keep your professionalism and standards of being a man in mind, form a good academic atmosphere in the unit, leave the spirit behind, leave the achievements behind, and leave the morality behind. This is a great contribution to the country and the unit.
Personally, people like you are basically not short of money, but if you choose to retire in 2027, the "money way" is still very good. After retiring in five years, at least the on-the-job salary bonus will be hundreds of thousands more than that in 2022, including salary bonus, unit welfare, housing provident fund and so on. From the perspective of pensions, in 2027, the pensions of staff in public institutions are basically calculated according to the standards of retired newcomers, and there is no need for a 10-year transition period, but they are still retirees in essence, because there are still deemed payment years and transitional pensions, but they are not calculated in sections but in one step. In addition, the average monthly salary of employees after five years will be at least 25 to 30 percentage points higher than that of five years ago. Coupled with the five-year payment period and five-year occupational annuity, the increase of pension should be more than 1000 yuan, which is much more than the increase of pension in 2022.
To sum up, I made a simple analysis from the unit level and individual level, and it is more cost-effective to retire in 2027, whether it is public or private. From the perspective of the unit, you can ensure that your subject will continue in the unit; Personally, it is more helpful to your health, and it is more regular to go to work every day, which is more conducive to your physical and mental health; In terms of economic benefits, of course, it is also a "money way", which can guarantee a more abundant pension to help you spend your retirement time after retirement.
If you are not tired at work, you also want to get more pension benefits. Retirement in 2027 is more cost-effective; Those who work hard and want to be free and relaxed can retire as early as 2022.
Sharing social security knowledge is my dream. Lesbians with senior titles will retire in 2022 and 2027. How to choose?
According to the regulations of Ministry of Human Resources and Social Security, female cadres at the county and deputy county levels in party and government organs and people's organizations, at the level of party affairs and administrative management in public institutions, and female professional and technical personnel with senior titles (including director and deputy senior) will retire at the age of 60.
However, I can also apply for retirement at the age of 55. Therefore, they are free to choose their retirement age.
So which is more cost-effective? In fact, each has its own advantages and disadvantages, mainly depending on what you value more.
If you value freedom and relaxation more and want to retire early and enjoy life, then you can choose to retire in 2022.
If you retire in 2022, if you are a public institution, you belong to a China person. China people have a ten-year transitional policy. 2022 is the eighth year of the transition period, and 80% of the pension can be reissued according to the new method.
By 2022, China people's treatment policy should have been fulfilled, and they should be able to get a real pension without receiving a pension in advance.
Retirement at the age of 55 has many benefits, especially getting rid of the shackles of work, doing whatever you want, and repaying and contributing to your family. In short, freer and more relaxed. And the pension can be increased by five years.
But the disadvantage is that it is not as high as the pension when retiring in 2027. Because you pay more for your pension and retire much later, your pension benefits will be less.
When you retire in 2027, your pension benefits will be calculated according to the new method. At this time, the transition policy of China people 10 has ended.
Moreover, when you retire in 2027, the average social wage in the previous year will be higher, so your pension benefits will be much higher than that in 2020. And you can work for more than five years, with five years' salary and other benefits.
The disadvantage is that if your work is heavy, you will be very tired in these five years. After all, with the growth of age, physical strength will gradually fall behind.
In addition, retirement in 2027 may catch up with delayed retirement. The possibility of delaying retirement policy before 2027 is still relatively large. If you catch up with the delayed retirement, you may not be able to retire at the age of 60 on time, which may be delayed for several months or more than one year. It depends on the specific policy of delaying retirement.
So you can't have it both ways. Retirement in 2022 and 2027 has advantages and disadvantages, mainly depending on what you value more personally. If you want to work and have more money, you can retire later. Tired of work, I don't care much about giving a pension, so I can retire in 2022.
What would you choose? Welcome to leave a message for discussion.
If you have a senior professional title, it is more cost-effective to postpone retirement for five years, which means that retirement in 2027 is more beneficial than retirement in 2022.
From the perspective of income alone, retirement in 2022 is based on the calculation and payment method of retirees' pensions. During the transition period of 10, pensions will be merged according to the old and new methods, with low insurance and high limit. In this way, you can get an extra five years of pension. If calculated according to 8,000 yuan a month, you can get an extra 480,000 yuan in pension income in five years.
When I retire in 2027, the transition period of 10 has passed. You will adopt a new method to calculate pension benefits instead of combining the old and new methods. However, since you are still from China and have a transitional pension, it won't have much impact. In addition, if you continue to work for five years, including wages, post subsidies, allowances, housing provident fund and so on. You should be able to earn more than 500,000 yuan in five years. Moreover, because you have paid the pension insurance and occupational annuity for five more years, your pension level can be increased by more than 1000 yuan per month. If the pension level in 2020 is 8,000 yuan, then the pension in 2027 should reach 65,438 yuan.
Therefore, if we only consider from the income level, it is more cost-effective to retire in 2027 than in 2020. Of course, it is even more worthwhile to choose to retire in 2027 if you consider the sense of professional accomplishment and position honor.
@ jingjingjingjing, thank you for reading.
Of course, I choose to retire in 2022, no doubt.
Judging from the description of the problem, your post level is a senior professional title, which is likely to be a leading cadre of a public institution. It can be said that your career and life are relatively successful. Most employees may struggle all their lives and never reach your height.
In this case, if you choose to continue working in the company for five years, the salary can definitely be guaranteed. But since you have raised this question, it shows that your own idea of delaying retirement for five years is not so strong. i agree with you on this point. There are three main reasons:
Retire if you succeed, and close the door when you are ready. I'm 100 thousand in favor of the old horse, aiming for a thousand miles. However, for most employees, retirement after success may be the best solution.
On the one hand, based on the needs of long-term development, employers will inevitably consider training your successors in advance.
When you choose to retire at 60, maybe 55, your role will change. The direct performance is that your chances of undertaking major projects will be greatly reduced, and you will gradually change from the former project leader to an assistant, such as a technical consultant. The huge gap will inevitably make you uncomfortable.
On the other hand, the number of important positions in employers is limited, and the number of places in government agencies and institutions is even more strict and basically fixed. If retirement is delayed for five years, aspiring young people will have to wait for another five years, lacking room for promotion, and some are unhappy.
You can't make money, so why bother? Generally speaking, China's pension follows the principle of "pay more and get more, and pay more and get more for a long time". The pension for retirement in 2027 is definitely higher than that in 2022.
For example, the social security payment benchmark is 1 10,000 yuan/month, and the local social wage is 6,000 yuan/month. Five years later, the local social wage rose to 7000 yuan/month. Pay 5 years' old-age insurance more, and the retirement pension in 600 yuan is about 1 10,000.
But if you calculate the total amount of pensions received, which one is actually more, it is really hard to say.
First, 2022 is the eighth year of the transition period of 10 set by the national "middleman". According to the regulations, 80% of the pension difference can be reissued. At present, some local "middle-aged" pension replacement policies have been announced, and rights and interests can be guaranteed.
Two, retirement at the age of 55 is five years longer than retirement at the age of 60, and at the same time participate in the national annual pension adjustment. If you retire at the age of 55, the employee pension is 4000 yuan/month, 1 year is 48000 yuan, and five years is 240000 yuan.
It is not difficult to find that the pension is higher when you retire at the age of 60, but whether the overall pension amount is more or less needs further judgment.
Life is like a dream, and it is true to live well. Under normal circumstances, a 55-year-old female worker is relatively healthy and tough, and is fully capable of regaining her hobbies.
Some people dream of playing on the road and seeing the great rivers and mountains of the motherland; Some people want to help their children take care of their children and reduce the burden of life; Someone is willing to dance square dance with a group of old friends. ...
In either case, time is necessary. Delaying retirement for five years, many things can only be discussed on paper.
To sum up, lesbians with senior titles may choose to retire early because of their better family economic situation. First, retiring after success is a * * * win; Second, you can receive a pension in advance, with a considerable amount; Third, it's time to enjoy the rest of my life after struggling all my life. In short, seize the opportunity you get, or you will regret it. Pick up the experience of social security and human resources in large state-owned enterprises, welcome attention, exchange comments and share dry goods in the workplace every day.