Can men catch up with delayed retirement in' 68?

If it is an inevitable trend to postpone the retirement age accordingly, the retirement age of men may be delayed to 65. Then a cloud of doubt floated: Will my pension be reduced? Will the national pension be insufficient to pay for the employment of college students? Some experts pointed out that delaying retirement will definitely not be accepted by everyone at first. Apart from worrying about the rising unemployment rate, this involves the most common and specific question: "Why should I be deprived of the right to rest?" Master Song, a plumber who works in Zhongyuan Property Management Co., Ltd., said that he hopes to retire as soon as possible and get old-age insurance. He worked in this property management company for five years before. Because of his low salary and hard work, Master Song hopes to get insurance money after reaching the legal retirement age as soon as possible, so that he can rest at home and help take care of his grandchildren. Now I can't help but feel a little worried when I hear the news that the retirement age has been postponed. I hope I can retire before the policy is introduced. From a microscopic point of view, many opponents do this. Assuming that retirement is delayed for five years according to the policy requirements, it is equivalent to receiving five-year old-age insurance and five-year personal pension, which is quite different inside and outside. However, according to professional algorithms, this is not the case. The formula for calculating the pension of newcomers is as follows: the sum of social wage ×20%+ personal account ×1120 is obviously directly related to social wage and the amount paid by individuals. For example, suppose a retiree A 20 1 1 retires, with 40 years of service and a personal account pension of150,000 yuan. Then the pension A gets is about 3079 yuan. If retiree A delays retirement until five years later, it is assumed that the average social wage will increase by 5% every year. The personal pension account accumulated by A is 6.5438+0.8 million, so the pension that A gets after 5 years is about 4,342 yuan. This also confirms what Lu Jinghai wants to explain: if a person is willing to work for a few more years, his pension will increase in addition to earning wages in those years. Delayed retirement can increase the monthly pension, which is also the basic principle of old-age insurance. The more you save, the more you save. There should be many people who want to postpone their retirement age. The biggest pressure may come from whether this policy is mandatory.