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The movie "What Happened to Our Old Age!" Starring Yuki Amami is a hot topic. There is also a setting that an ordinary housewife is the main character, and he raises a serious problem of retirement funds in an easy-to-understand manner. "Amount of national pension and welfare pension" Ideal and gap in old age! If you have financial knowledge, you can expect the pension amount to decrease in the future. However, if you don't have many opportunities to think about life in old age, you may have been shocked by the content of the movie. No matter how much you try to save, the problem of retirement funding can hit anyone. Especially serious is the monthly amount of pension, which is a source of income (* Editor's note). For many, the ideal will be a gap. This time, I would like to tackle the problem of retirement funds while referring to the average amount of those who are currently receiving pensions. [* Reference article] What is the percentage of people who receive the welfare pension "250,000 yen or more per month"?
The Japanese pension system basically has a two-story structure. The first floor is the national pension. As it is called the basic pension, it is a base pension for everyone living in Japan. You will be automatically enrolled when you turn 20 and pay monthly premiums until you turn 60. You may be exempted or deferred between students or when your income drops significantly. If there is a non-payment period, the amount received will be lower than the person who paid the full amount. However, since the insurance premiums are uniform, there will be no big difference unless there is a significant period of non-payment. The second floor is a welfare pension for office workers and civil servants. It is an image that is added to the national pension. The amount of income determines the welfare annuity insurance premium, and the pension amount is determined according to the premium paid. By the way, insurance premiums are paid equally with the business owner. So how much pension does the current senior generation actually receive? Let's see next.
Let's take a look at the average monthly amount of those who are currently receiving pensions based on the Ministry of Health, Labor and Welfare's "Annual Report on the First Year of Reiwa (2019) Welfare Pension and National Pension Business". National pension ・ Monthly average of pension: 55,946 yen ・ Men's average: 58,866 yen ・ Women's average: 53,699 yen There is no difference, and the average is in the 50,000 yen range. For self-employed people who do not have a welfare pension, this monthly amount will be their income. It may be difficult for both single-person households and married couples to live on the national pension alone.
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Last updated: LIMO