A while ago, it was said that Harbin delayed the payment of pension. We were all surprised. Why? In recent years, there have been many pension crises in Heilongjiang Province. In recent years, there have been several provinces that are running short of pension funds.

When we grow old, are we still looking forward to a pension?

How much does the pension need after all?

Recently, ant financial services and fidelity world jointly released the 2018 "query statement of China's pension prospects", in which the query guidelines believe that each person needs at least 1.82 million yuan of pension cash savings. The younger generation's policy is to save a little less. They think that they need 1.63 million yuan to live a comfortable retirement life.

1. Let's assume you retire at 60 and live to 80. Note that the garage is now carefree, and there is no need to give the children a plaster and daily expenses.

If you were 30 years old, you would spend 4000 yuan a month. Retire at 60 and live another 20 years after retirement. With an annual price increase of 4%, the daily expenses we need after retirement should be as follows:

At the age of 60, the couple's daily expenses per month = 4000 * (1 + 4%) ^ 30 = 12973 yuan.

The total cost of 20 years after retirement = 12973 * 12 * (1 + 4%) ^ 20 = 4.82 million yuan.

2. Because we are old, we will face some diseases more or less, so the medical expenses may be increased. We will calculate this amount according to 10000 yuan for each husband and wife every year. From 60 to 80 years old: 10000 * 2 * 20 = 400000

The total amount of two people: 4.82 million + 400000 = 5.22 million yuan, and the per capita demand is 2.61 million yuan. This is only the most basic livelihood demand, which can be regarded as the beggars' version of pension.

3. If you want to live a more comfortable life, for example, eat more delicately, dress better, make-up, face-to-face contact, travel, the quality of life is no less than before retirement. These amounts are about the same as the daily expenses per month (based on 4000 yuan per month for two people at that time: nearly 50000 yuan per year, not much).

According to the price after 30 years, these expenses need more than 100000 yuan each year, 2 million yuan in 20 years, and 1 million yuan per capita!

To sum up, this kind of normal retirement day, a person needs 3.61 million to be enough!

How much pension do you get?

How much pension do you get when you retire?

Our pension consists of two parts

Personal part: for example, Xiao Wang paid 30 years old-age insurance and retired at the age of 60. The monthly salary is 5000 yuan, according to the 8% endowment insurance every month, he paid 5000 times in 30 years; 8%× 12× 30 = 144000 yuan. If you divide the 144000 yuan by 139 months of retirement at the age of 60, you can get 1036 yuan a month.

The basic pension part: the average monthly salary of the employees in the previous year in the whole province when they retire + the average monthly payment salary indexed by themselves) / 2 & times; Payment years & times; 1%。

Basic pension = (5000 + 5000) / 2 & times; 30× 1% = 1500 yuan.

All in all, Xiao Wang can get 2536 yuan a month after he retires.

Most people's pensions account for only half or less of their income at work.

Pension insurance provides us too little pension.

How long will it take to save enough for your pension《 According to the statement on the future of China's elderly care, with the demand of 1.82 million yuan, the younger generation in China now saves 1339 yuan a month on average. Without considering inflation and income changes, they need 59 years to save enough money to meet their needs and reach the desired level of endowment reserves.

to be straitened for money

Want to save pension, the most central obstacle is lack of money.

It's too hard to save money. The reality is cruel. The young generation needs to bear the high education expenses of their children, the pension expenses of their parents and the high housing prices. They save less and are in debt more than their predecessors.

The statement shows that the younger generation still have a certain understanding of their financial situation, and 44% of them think that they will not reach the savings they are satisfied with before retirement. Two thirds said they had no cash left to contribute.

In the survey, only about 44% of the young respondents have started to save money for retirement. With the increase of age, more and more respondents feel the actual pressure. They think they're going to face in the future; Difficulties and uncertainties;, But there is no choice but to keep working.

In addition, one-third of the people have no pension savings policy at all.