Pension from the time i get? what a carry pension?

Finance – Stock Market And Stock Markets | Jeromy Basinger | 3 views

Can be received “once upon a time” it is the annuity which, but you can receive by yourself “from sometime”, it is the basket knowing?

Already, in the person who receives annuity “is annuity received from sometime?”When with, it tries hearing, “because we would like to receive quickly, you have received from 60 years old”, that “I have received from 65 years old”, and so on, answering is various.

The age which starts receiving annuity “with why, the person is different?”With, the person who is thought in doubt it is many, probably will be.This time such a doubt will be solved, the knowledge which is necessary in order to select the method of having the annuity which is in life style will speak.

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You will think ahead of time! The choices which are by yourself

As for provision start age of pension scheme start time?

The public pension plan system, passing the amendment of several degrees so far, reached to the present.At each time it is amendment it was argued concerning “the balance of premium burden of presentation and the active generation to the senior citizen,” concerning the provision start age of public pension plan it was taken a second look.

so, showa61years4month, current pension system, such as (new legislation) began when it was or will do?

basic old age pension will be paid from the national pension, from the beginning principle65payment years beginning was considered to be. on the other hand, for old-age pension will be paid from the employees’ pension insurance, showa61years4in the old system before the month principle60payment years beginning had become. it should be noted, for women and meet certain requirements55because we were able to get a pension from the age of, graduallythe same as men60provision has been raised to start the age of.

and therefore, initially launched the new law, the national pension65from the age of, pension60years (some women55years) had become from. and, now60for year-old man, the national pension65from the age of, pension partially regardless of gender60has become the age of.

provision of old age pension starting age of company employee what will happen to?

so, now, for people of a company employee, let’s take a look at the future pension.

meet the eligibility period ( 35up to the age of! always check the enrollment period pension reference ) , to employees’ pension1was joined in the case of a person is more than a year, by date of birth, 60you can receive the old age pension from the age of partially. old age pension, 65years before and65and later years are as follows:.

and old age pension of special payment65old-age pension after the age of

but, by amendment, 65of special provision for old age pension before the age of the, payment start age2now be reviewed at.

first, heisei6revision of the year, 1starting age provision of the fixed amount portion of the ground floor is raised by date of birth, they will eventually be abolished, schedule and has been raised, such as:.

then, heisei12revision of the year, 2age be raised even start payment of compensation proportional part of the ground floor has been determined. and, eventually, men showa36years4month2after the date of birth , women showa41years4month2after the date of birth of the human, old age pension of special payment is eliminated, basic old age pension old-age pension and welfare of both the original 65years provision will be. start of each payment schedule is as follows: date of birth.

self-employed or freelance from time? (next page)

if self-employed65· no pension until the age of?

then, let’s take a look at the starting age pension in the case of self-employed or freelance. in the case of self-employed or freelance, if the people who have never joined the pension in the past, the basic old age pension from the national pension65you will be eligible from the age of.

principle65payment years beginning from but there is a basic old age pension, at most5the early years60you can also get to start from the age of. start early to get this pension system, advance this is called.

when the advance of pension beneficiaries, on the other hand there is soon to get a pension benefit, there is a disadvantage that the amount is reduced life years. to be more specific, principle65the start of payment of basic old age pension payment years1months in advance for each0.5%pension is reduced by (showa16years4month2if after the date of birth) will be.

for example, 60if you get a pension from the month began at the age of, maximum30% (0.5%×60month) year amount will be reduced, get the original pension70%will get a amount of.

it should be noted, when you start a pension early get to select the advance payment, 65continue to get the pension will be reduced even after the age of a lifetime will be. it is important to note that reduction of the pension is not a temporary thing.

so, if you want to advance payment, let’s compare the total amount of concrete for each age you begin receiving a pension. it should be noted, the national pension premiums in all cases40year to pay, heisei year amount23the amount paid in fiscal year (788,900yen) has been calculated using the.

total amount of pension received (approximation)

red is the highest amount of total receipts in the same age, blue60reversal when the cumulative age of advancing years (click to enlarge)

as shown in the table above, 70teen-year-old is out of, 60years~64better to qualify ahead of schedule at the age of, the higher the total amount received, 80when the teen years, 60years~64than when at the age of advancing, principle as65proceeds from life will be many more years to receive a pension from the (red fill) .

also, as in the previous example, 60if you have a carry at the age of the beneficiaries, as originally65to people is that you receive from the age of, compared with total amount of pension, 76can be reversed at the age you will see (blue fill) .

it should be noted, in addition to the disadvantages to beneficiaries that would have been reduced by the amount advancing years, there are some disadvantages should be noted.

for example, 60and that it becomes impossible to join any national pension after age, 60from the age of65disability pension that becomes the principle can not be charged even if the state had up to the age of the fault between, more, etc. will not be able to receive a widow’s pension will be paid to the wife who meet the requirements if the husband was self-employed were killed.

when selecting the beneficiaries are advancing, to take advantage of a clear understanding of this surface is important disadvantages.

what happens if a company employee? (next page)

if a company employee, how old age pension will be?

then, let us consider the case of a company employee.

60their early years for old-age pension is, starting age provision has been raised by date of birth. you can also take advantage of receiving advance as described above, different for each age of each of the advancing mechanism is also.

unlike the basic pension for the elderly, old age pension amount is different from year’s salary and bonuses by playing days, in this case let’s brief introduction to the mechanism of advance of every age.

showa16years4month2day~showa24years4month1date of birth: men
showa21years4month2day~showa29years4month1women born in sun

when you advance the whole of the basic pension for the elderly, straight-line portion is not paid (except for an amount equivalent to adding transitional) .
but, if the straight-line portion of the payment before starting age, she may bring forward some of the basic old age pension while receiving a fixed amount portion some advance can also be selected.

if you want to advance all the basic pension

if you want to advance some of the basic pension

showa24years4month2day~showa28years4month1date of birth: men
showa29years4month2day~showa33years4month1women born in sun

be able to select the advance payment of all of the basic pension for the elderly.

showa28years4month2day~showa36years4month1date of birth: men
showa33years4month2day~showa41years4month1women born in sun

if you select all of the advance payment of basic pension for the elderly, if before the age of onset of old age pension payment of earnings-related component, payment will be moved up to the old age pension at the same time also.
after the start of old age pension payment of proportional part of the reward, advance can be paid only basic pension for the elderly.

showa36years4month2men born after the date of
showa41years4month2women born after the date of

65the advance can be paid for all of the basic old age pension and old-age pension before the age of, must be submitted at the same time advancing.

what do you do? 65preparation up to the age of (next page)

65to do up to the age of? ~60ways to allocate income from the age of

now30teen years are the following people, public pension provision for both male and female principle65will be from the age of. public pension begins65to secure the revenue of up to the age of, that you thought would be needed from among the now.

if a company employee, or affiliates have been with the company for current company60i would not be a lot of people also believe that to continue working after the age of? revision of the law, the company also60for employment after the age came to be mandatory, the future60also be easier to work after the age will be expected to.

on the other hand, if you are working as a freelance or self-employed, originally retirement age since there is no, i am active throughout the life you can continue to work in. energy between the physical strength to continue the work has been rewarding, you will be able to work without change.

but, if a company employee, you can also be used as a fund of old age retirement, to self-employed or freelance, there is no retirement from the company, unlike a company employee. also, of pension2there is no part of the pension floor. there, 60a good idea to reserve early to receive any funds from the age of.

as a specific example, of the national pension, such as self-employed1there is a national pension fund insured persons can join. to fund the national pension, 60products can receive a pension from the age of3there are. 60from the age of15year75pension is paid until the age of IIItype , 60from the age of10year70be paid up to the age of IVtype , 60from the age of5year65be paid up to the age of Vtype of3there is a type of pension.

also, national pension fund, there is the same as public pension benefits on the tax system both at time of contribution and pension contributions. further, because defined-benefit pension amount of pension will be determined at subscription time, benefits are easy to plan, that over a life ( of national pension fundHP ) .

consider early! i know my choice

principle the provision of public pension starting age65the age of30teen years for the following generation is, 60from the age of65this has become necessary to secure the revenue of up to the age of.
as mentioned above, as the main choice

proceeds from working
advance payment of public pension
60to prepare yourself for a personal pension from the age of

is raised, such as.

in any, what you need to go to prepare early thinking is the point. plans for the future life is what happens when we go to maintain the current lifestyle, why it is possible to achieve the desired life of second life also plan, looking at the simulation using the cash flow table, etc., will lead to decide the amount of preparation and how to prepare a more concrete. toward the realization of his ideal second life, 1thought you could take a look at degree.

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