Demystifying the number of months of pension calculation: After 139 months, where will your pension go?
In the fog of pension planning, a number often attracts everyone's attention and questions - that is, the number of months of pension is 139. What exactly does this number mean? Could it be that our pension will come to an abrupt end after 139 months? Today, let's unravel this mystery and see where our pensions will go after 139 months.
"Uncle Wang, I heard that the number of months of pension is 139 months, so shouldn't I only receive a pension of 139 months?" Aunt Li raised her doubts to her old friend Uncle Wang in the park.
Uncle Wang smiled slightly and explained, "Aunt Li, you have a bit of a one-sided understanding. These 139 months are actually a concept of counting the number of months. To put it simply, it is a time frame for pension payment calculated according to factors such as our age at retirement, life expectancy, etc. For those who retire at the age of 60, this number of months is 139 months. ”
"And what about 139 months later? Is my pension gone? Aunt Li asked.
"No, Aunt Li. When we reach 139 months, it does not mean that our pension will stop being paid. In fact, at this time, our pension will continue to be paid out of the pooled account. In other words, as long as we are alive, we can continue to receive pensions regardless of whether the number of months has been used up or not. ”
Wang Bo further explained: "In fact, this setting of the number of months is to better protect our pension rights. Through actuarial calculations and forecasting, we ensure that our pensions are paid smoothly and sustainably after retirement. At the same time, it can also motivate us to better plan our retirement life and avoid over-reliance on pensions. ”
Hearing this, Aunt Li suddenly realized: "So that's the case!" Then I don't have to worry about it. As long as I plan my retirement life well, I can enjoy my old age with peace of mind. ”
Indeed, the number of months of pension is not the end of our pension. It is simply a concept of a time frame that is used to guide us to better plan our retirement life. As long as we maintain a healthy and positive attitude and reasonably plan our pension funds, we can enjoy a happy and happy life in old age.
So, after understanding the true meaning of the number of months of pension, how should we plan our pension life? This requires us to formulate a reasonable pension plan according to our actual situation. For example, we can consider accumulating more pension funds through savings, investment, etc.; At the same time, we should also pay attention to the maintenance of physical health and mental health; In addition, you can also actively participate in community activities and cultivate hobbies to enrich your later life.
In short, the number of months of pension payment is not the end of our pension planning. As long as we maintain a positive attitude and reasonable planning, we can enjoy a happy and happy old age. Let's work together for our retirement life!