What's the difference between retiring at 55 and retiring at 60?

According to the principle of paying more and paying more for a long time, the social security payment time for delaying retirement for five years is longer and more than that for early retirement. Therefore, people who retire late have higher pensions after retirement than those who retire early.

Before retirement, I worked in a state-owned coal mine. Due to bankruptcy, I implemented a special policy for employee retirement. According to normal regulations, coal mine workers belong to special types of work, and male workers officially retire at the age of 55. According to the shut-in bankruptcy policy, bankrupt coal miners can retire five years earlier than the legal time limit (55 years old), and they can officially retire at the age of 50. Therefore, I officially retired when I turned 50 in 2006.

After I retire, my colleagues who have not reached retirement age continue to work. Later, their retirement age returned to 55. In recent years, many people have gone through retirement procedures one after another. Now I compare with them. Although the pension is increased every year after retirement, it is still lower than that of late retirees 1.500 yuan. Judging from my previous unit, the late retirement pension is high, which is the biggest difference.

Of course, the situation of different industries and different enterprises is very different. I only said that the situation of my former unit is definitely different from that of some enterprises.

As far as the current retirement standards are concerned, at the county level, the first is the staff of government agencies and institutions, that is, civil servants, who are generally directors. If they retire at the age of 55, they can get a pension of about 4000 yuan after serving for 35 years. If you are working on the job, you can get a salary of about 8,000 yuan per month (including year-end bonus, performance salary, car compensation, etc.). ), and they will lose half of their pension. What is the pension for retiring at the age of 60 in five years? I'm not sure now. It is certain that y exceeds 5000 yuan. Moreover, these people have basically no substantive work to do in the unit after the age of 55, and they are at leisure. Although civil servants can retire early, they basically do not choose to retire early, and most people want to postpone retirement. Let's talk about enterprise workers first, and see whether they are state-owned enterprises or private enterprises. The situation of ordinary workers in state-owned enterprises is basically the same as that of staff in government agencies and institutions. Private enterprises are different. Generally, private enterprise bosses will choose not to hire employees when they are over 50 years old or their physical condition and working ability are not satisfactory. If he is under 55, you may lose your job. Finally, laid-off workers in the process of enterprise restructuring especially want to retire before the age of 55, because it is not easy to find a job at this age, and they have to pay their own pension insurance and medical insurance, so they want to retire early. The state should also introduce policies to let the laid-off workers of these enterprises retire several years in advance, so as to reflect the superiority of China's socialist system and let them enjoy the dividends of reform and opening up.

The difference between retirement at the age of 55 and retirement at the age of 60 is actually multifaceted. We analyze it from the following angles:

According to the data recently released by China Municipal Bureau of Population Statistics, by 2020, the proportion of the elderly population in China will be close to 18%, that is, 247 million people. In fact, the contribution of these elderly people to the social labor force is very meager.

Judging from the data of birth rate, the birth rate in China has been declining in recent years, which has further aggravated the aging of our population.

With the aging of the population becoming more and more serious, the customs authorities have also taken a series of measures, such as delaying the retirement age, such as the second child policy, which are all set up to improve the social and demographic structure.

Returning to the topic of retirement at 55 and retirement at 60, the most direct thing is that most people need to work for five more years. According to the original social security system, they can retire at the age of 55, enjoy a series of social security benefits paid before, and start to receive pensions.

But now we must continue to work hard and continue to pay social security, so that those who have reached the age of 60 can enjoy social security.

In addition, what we talk about most is the financial problem, so as to delay retirement, increase the social security contribution of each worker during the working period, and then have time to buffer the retirement amount that has reached the age of 60, and make the operation more stable and healthy through regulation.

Retirement at the age of 55 and retirement at the age of 60 has always been a systematic project comprehensively considered by the state.

The difference between retirement at the age of 55 and retirement at the age of 60 is not small, mainly because of the difference between retired and on-the-job personnel during these five years. Retirement at 55 will definitely be less than retirement at 60.

Specifically, it is the pension insurance, provident fund, pension and welfare benefits paid after retirement. However, the issue of retirement age is a mandatory provision of retirement policy for most people, and there is no choice.

First, the pension insurance paid is different.

Retirement at the age of 55 pays five years less pension insurance and occupational annuity than retirement at the age of 60, and there is no need to deduct wages from personal burden.

The balance of pension insurance and occupational annuity deposited in personal accounts is bound to be less, which will affect the pension benefits after retirement.

Second, retirement pension benefits are different.

Retirement at 55 will be less than retirement at 60. During the five-year period, employees' wages are paid normally, and the administrative level wages are adjusted every two years.

We can catch up with the adjustment at least twice in five years. If there is a general salary increase in the country, the capital increase may be even greater.

Those who retire at the age of 55 can only be paid according to the policy of retirees, and the salary adjustment after retirement is relatively small.

Third, the welfare benefits are different.

Retirement at 55 is less than retirement at 60.

Performance awards, trade union benefits, holiday condolences, etc. On-the-job employees in the unit cannot enjoy the same treatment after retirement.

Retirees don't have to go to work, and incumbents are still at work. Naturally, it can't be the same.

These welfare benefits are generally1-20,000 yuan a year, and some units with good welfare benefits may be more.

Fourth, the housing provident fund is different.

After retiring at the age of 55, there is no need to deduct the housing provident fund, and of course there is no need for supporting units. If the monthly provident fund paid by the individual before you retire at the age of 55 is 400 yuan, the unit will give you 4,800 yuan less for a year.

If you retire at the age of 60, even if your salary remains unchanged for five years, the income from the housing provident fund will be less than 24,000 yuan.

5. Time and freedom are different.

Retirement at the age of 55, retirement at the age of 60, five more years of discretionary time, which money can't buy. If you have time, you can do what you like, develop a second career, help your children take care of their grandchildren, travel for leisure and exercise.

You can live a leisurely life like a wild crane after retirement. You don't have to punch in every day, you don't have to be bound by the various systems of the unit, and you don't have to look at the face of the leader. It's wonderful to think of such a life at home.

In short, the difference between retiring at the age of 55 and retiring at the age of 60 is to retire five years in advance and exchange money for five years of discretionary expenses. Whether the value is worth it depends on the choice of the Lord.

If living conditions are good, it will be good to retire at the age of 55. After all, "free price is higher".

I prefer to retire early and do what I want to do.

Enterprises and institutions, civil servants and cadres all want to retire late. Take care of them when they are old, drink tea every day, walk around, take two days off after three days of illness, do nothing at work but whistle, have meetings, and get paid well, squatting in the pit, and take it for granted that they are happy.

-Laid-off workers and people without units have no security fund. They work to earn some money. In addition to supporting the family, you have to pay social security yourself. With low income, they have to be careful and have no food for a day. There can be no other situation. There is a patient at home, and the whole family is very sad. Even if you are healthy, who will want to use you after fifty? Well said, equality and harmony, where to recruit people under such conditions? Pay the most labor, but get the least salary, physically and mentally exhausted, what else can you want (happiness)? Don't such people want to retire early? They are discriminated against everywhere they go. Is there any reason to support their contribution?

A joke: change it to the scene after retirement at the age of 60. After lunch, a company lined up in front of the pool. When we looked ahead, it turned out that everyone was lining up to brush their dentures! Although this will definitely not happen in reality, I still explain my views on delayed retirement from one angle.

Let me list the differences I can think of (most of the answers are from the aspect of old-age care, so I don't think I have much knowledge in this field, so I won't explain the part of old-age care)

Although 55 years old is old compared with girls and boys in their twenties and thirties, 55 years old is still young compared with 60 years old. There must be a lot fewer wrinkles, right

After all, they are five years older, although there are people who are healthier as they get older, but after all, the older most people are, the worse their physical function is, and the gap between 55 and 60 years old is not small.

I don't have to go to work after retirement. I can do many things I want to do. If I postpone my retirement for five years, I will postpone my discretion for five years. Five years is precious, especially when I am old, and I can't afford to waste it.

55 years old and in good health. It's faster to go out and squeeze the bus and take the subway. If you want to travel or walk with distant relatives, you are quite free. At 60, compared with 55 pairs, you are not so free to move. It is estimated that when you are 60, your children will have to talk to you for a long time. When you are 55 years old, you can drive yourself out without anyone stopping you, but when you are 60 years old, you have to go to road trip. Don't say that your children are not at ease. You have to weigh your own strength, right?

Delaying retirement is the general trend, and it is also a concern of many employees facing retirement. Once delayed retirement is implemented, what is the difference between retirement at 55 and retirement at 60?

First of all, you should know that the amount of pension you receive when you retire is determined by the payment period and payment base of your social security. Then there is a five-year difference between retiring at 55 and retiring at 60. If you continue to work in these five years, the unit will continue to pay social security for you. Then after you retire, your social security base and payment period must be higher than before. Therefore, when you retire and receive a pension, you are likely to have more money.

Secondly, there are many special posts, and the salary during the working period will be much higher than the retirement pension. If you are willing to earn this high salary if your physical conditions permit, it means that you will earn another five years' high salary.

The last point is that if a person who has embarked on a career has worked for five or ten years, it means that you still have five years to fight for your career.

What is the difference between laid-off workers and flexible employees?

Because laid-off workers and flexible employees have unstable jobs, their income is relatively low. In these two groups of people, many people choose to pay social security 15 years, and they will stop paying. This means that these two groups will receive five years less pension, and they will continue to struggle for five years before they can make ends meet.

In fact, everyone can imagine the so-called difference between retirement at the age of 55 and retirement at the age of 60. The difference is that in these five years, retired people don't have to work, and they can get retirement wages every month. People who have not retired have to work and get paid every month, and they have to pay social security fees themselves in these five years.

I think there are still relatively few people who want to retire at the age of 60. Unless they have stable jobs, management positions, easy work, high salary and high welfare. For such people, they are still reluctant to enter the pension industry early. Because the pension salary is far less than their monthly salary and welfare, and in stable units, there are units to pay pension insurance for them. Paying for more than five years means that retirement wages will rise substantially.

For example, Betty Wong's income is 65,438+0,000 yuan. If he retires at the age of 55, his retirement salary will be around 4500 yuan. Then we can calculate the difference.

On-the-job income = 1 ten thousand *12 * 5 = 600 thousand.

Retirement income = 4500 *12 * 5 = 270,000.

Plus the money to be increased in five years, it is estimated that the five-year pension will be more than 280 thousand. But even so, the gap between them is nearly double.

In the face of the same situation, if you are a low-paid worker or a flexible employee without a fixed job, I suggest you leave early instead of late.

Because if they are ordinary workers or flexible employees, they will face great pressure, low wages and full social security expenses. In this way, it is better to get the retirement salary earlier, and the difference will not be too much.

It is more difficult for older people to find jobs. I'm a little old for manual labor. Let's leave early for personal safety and health. If you leave early, you can also enjoy the annual adjustment of policy treatment. In the last few years, it may not be much less than your efforts.

But all this is inferred on the basis that you can retire. The reality is that the definition of retirement age is not decided by yourself, but depends on retirement policy. You can't retire until you reach the legal retirement age.

I retired at the age of 55, which is a normal retirement in the plateau.

I have been retired for two years and feel very good;

First, working in an enterprise is very tiring, specifically, "mental fatigue". This may be the characteristic of state-owned enterprises, doing some empty work of "not competing for food".

Second, people think more about money and pensions. Actually, just spend enough. If you retire, you don't have to work hard for your life. You are relaxed, and you may live for two more years.

Third, it is worthwhile to do something you like after retirement, such as reading, traveling and seeing the world.

Fourth, retirement, you are a free man, completely different from the workplace. Time is your own, space can be chosen, self can be arranged, and you can have it happily.

5. "Waiting for money" is the biggest highlight of retirees, and the national policy can be adjusted every year. Very good!

I wonder, if you can retire at 55, why wait until you are 60? Of course, I know that many people don't have such conditions as me. What a pity!

As far as pensions are concerned, the minimum social security payment period in China is 15 years. Of course, this is only the minimum period, which means

Only 15 is the lowest.

The longer you spend, the more you will get in return after retirement. This is mutual, which is equivalent to taking decades of your money to buy a guarantee for yourself after retirement.

But this is only one factor.

After a certain age, the whole body function of the offspring began to decline, and their vitality was not as good as before, and various illnesses followed. If you work in this situation until you retire at the age of 60, your body will really be unable to bear the consequences.

Therefore, early retirement has the advantages of early retirement and delayed retirement, which is a double-edged sword.

No matter whether you leave early or late, you should protect your health. It is best to be healthy at this age.