First, I want to earn more wages for a few years.
The pension replacement rate is around 65%, which is nearly 35% lower than the salary. However, in the case of high housing prices and prices, it is still difficult to maintain a living by providing for the elderly. With the improvement of medical technology, people are now in good health. Although retired people are 50 or 60 years old, their energy is still good. Except for some seriously ill elderly people, most retired people are still working to subsidize their families.
After retirement, if you want to find a new job, you will definitely not be as comfortable as the position you have worked for all your life. Therefore, if retirement can be postponed, it will be more convenient to continue working in the original post without re-running the talent market after retirement. Moreover, most people who support delayed retirement in the report are mainly groups with high professional titles, high incomes and high skills. They are used to high income. If they suddenly retire and lower their living standards, it will be unacceptable for a while.
Second, I want to raise the monthly pension level.
In addition to taking a longer time, there is another advantage that the monthly pension level will be higher after retirement, and the payment time of pension is stipulated according to the number of months to be paid. For example, if you retire at the age of 50, the number of months you need to pay is 195 months, and if you retire at the age of 60, the number of months you need to pay is 139 months, calculated by personal account pension of 654.38+10,000 yuan. Obviously, the later the retirement age, the more pension you get every month.
Third, worry about the exhaustion of pension accounts.
The problem of aging in China is getting more and more serious, but the growth of new population is decreasing. At present, there are nearly 300 million retirees, and the decrease of young people means that the number of insured people will decrease accordingly. We can look at two data. 1. The Report on the Trend of Single Consumption in 2020 released by Suning Financial Research Institute shows that the number of single people in China has reached 240 million, exceeding the combined population of Britain, France and Germany. The increase in singles shows that the number of people getting married is decreasing, so the downward trend of the newly added population is inevitable.
Secondly, in June 65438+1October 65438+June, Social Science Literature Publishing House and Southwest Jiaotong University jointly issued the Blue Book of Healthy Aging: Report on Healthy Aging Index of Large and Medium-sized Cities in China, which predicted that the elderly population in China would exceed 300 million in 2025, 400 million in 2033 and 487 million in 2053, accounting for a quarter of the total elderly population in the world. From 2000 to 2050, the population aging level in China will rise from 10% to 34%, which is more than twice as fast as the world average. With fewer and fewer young people and more and more aging, pension accounts may face the risk of drying up as predicted. Therefore, in order to ensure the long-term payment of pensions, delaying retirement is also an inevitable way.