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[Editor's note: This article is the original exclusive first release of Toutiao, please do not plagiarize and reprint]
«——[·Preface·] ——»
Retirement is something that everyone will face, regardless of your ability to work or physical fitness, as long as you reach a certain age.
Retired cadres, whether private or state-owned, receive a benefit called a pension to maintain their basic livelihood after old age and decline.
However, if you look closely, you will find that many retirees now have retirement salaries that can be called "gold and silver mountains".
First, the origin of retirement salary
Of course, retirement pay is only a secular term, and its real name is pension.
The purpose is to ensure that some citizens can maintain a normal life after incapacity for work or retirement.
As far as the current development situation of the mainland is concerned, there is a dual system in the pension system.
Subsidies and mutual aid are implemented in rural areas, and pensions are distributed through contributions from collectives and rural enterprises.
In both urban and rural areas, it is through joint contributions between employers and employees.
This dual system has been implemented since 1997 and has been explored and improved for more than ten years.
Although the coverage of pensions is increasing, so are the drawbacks shown.
For example, the retirement salary of many retirees can be compared to "gold and silver mountains".
Second, the emergence of high retirement funds
In real life, we can clearly find that among all retired old cadres, the vast majority of them have relatively superior treatment.
It is no exaggeration to receive pension benefits between 10,000~20,000 per month, which is called "gold mountain and silver mountain".
Compared with this part of the population, 70%~80% of retirees can only receive 2000~3000 benefits per month.
This inevitably makes some people dissatisfied, and the salaries paid before retirement are naturally different because of uneven abilities.
But after retirement, there is no need to work, why can retired old cadres enjoy such high salaries?
This is also the result of many factors.
On the one hand, high pensions arise because these people enjoyed higher authority in their previous employers.
The ability to work is more prominent, the higher the salary earned, the higher the proportion of social security paid, and the pension obtained after retirement is naturally higher.
On the other hand, these retirees with retirement salaries like "mountains of gold and silver" are actually old cadres.
Some of them have contributed a lot to China's construction.
In order to repay the efforts of these people, they will be specially assigned to the state, CCTV, organs, and institutions, and higher pensions will be issued.
In addition, some of these old cadres have high professional skills in the population.
They used their knowledge to create conditions for the mainland's economic, cultural, political, scientific, technological, military and other fields to deepen their depth.
Use knowledge to change destiny, and exchange knowledge for high salaries and high pensions.
3. Is it necessary to have a high pension? And how to get it?
From these three perspectives, it is indeed sufficient and legitimate for these retired old cadres to receive high retirement funds.
However, as mentioned earlier, according to the 28 rule, the salary of the average retiree can only meet the basic food and clothing.
So how can these people get the pension of the "gold mountain and silver mountain"?
If you just wait for the payment of wages and do not actively seek assistance from external forces, you will naturally not be able to make money.
Conversely, when you expand your thinking, you will find that there are many ways to achieve capital appreciation in your life.
For example, investment, in the free time after work, you can pay more attention to the relevant news of investment and financial management, or specially carry out some professional knowledge training.
Through continuous practice and accumulation of experience, you can take a stable salary while taking part of it as investment and financial management.
Another example is a side hustle, in today's rapidly changing social conditions, everyone's eyes are not just focused on their own work.
Instead, you should continue to explore your potential and find a second income that suits you.
Especially short video platforms, as long as the content is good, it is unique.
After a half-year to one-year exploration period, you can get a certain amount of traffic, and many advertising sponsors will find you.
Epilogue:
For the vast majority of people, being able to let go of any worries in old age and live a comfortable, happy, and more nourishing old age is a dream to look forward to.
And a high pension is the basic condition for realizing this dream.
In real life, apart from the three situations mentioned above, few people can obtain a high pension without extra effort.
In addition to mastering the multiple ways of open source, it is also necessary to make a reasonable budget expenditure plan, not over-consumption, not excessive thrift.
In this open-source throttling model, it is believed that the retirement salary of "gold and silver" will become a common phenomenon.
What do you think about this?
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