How to calculate some "retirement funds" that you really need Teaching!Expected pensions depending on the annual income and payment period, and Explains how to increase the pension and how to save money!

"How much can you get pensions?" "How much do you need for retirement?" "How do you prepare for retirement?"

　The above -mentioned funding for retirement is a concern that everyone has, regardless of age or gender.Therefore, this time, we explain the mechanism of the public pension system and the concept of retirement funds to be prepared.We will also introduce how to increase the amount of public pensions that can be received, and "Tsumitate NISA" and "Ideco / Personal Defined Contribution Pension) that you want to use together with them.[ * Click here for related articles!⇒ ⇒ Explain the “eight questions” that people who cannot start “Tsumitate NISA” tend to have!Answers on how to choose financial institutions and investment trusts and how to combine with "iDeCo"!

Really retirement funds are "income after retirement -expenditure in retirement"!

　Many people remember that the Financial Services Agency's report published in June 2019 has become a hot topic of "20 million yen in retirement funds".In this report, based on the numbers of the Ministry of Internal Affairs and Communications "Household Survey Report", an unemployed household (unemployed household with a 65 -year -old husband and a 60 -year -old couple) will live an average life.Then, the difference between actual income and actual expenditure (total of non -consumption expenditures and consumption expenditures) is about 5 every month..Explained that it will be a 50,000 yen deficit.He explained that if this lasted for 30 years, the retirement funds would be short of about 20 million yen.[ * Click here for related articles!] ⇒ To know "How much money is needed for retirement?"Check your pension before you are anxious and rush, and plan your retirement funding.

　But this is just a statistical figure.For example, the housing expenses in the household survey report include the owner, so the amount is small.It includes families where mortgage repayment has not been completed, but the mortgage repayment cost is not included in the housing expenses.In the household survey report, mortgage repayment costs are not considered as consumption spending.

　In other words, rental houses and households borrowing mortgages require more money.In addition, other costs should be different, such as the number of households and less.

　In addition, in the household survey after 2018, the difference between actual income and actual expenditures is shrinking year by year.According to the 2020 household survey, the actual expenditure was 259,304 yen for the actual income of 257,763 yen, and the deficit was slightly reduced to 1541 yen.If this lasts for 30 years, the shortage is only about 550,000 yen, so I feel that the financial funding problem will be solved.However, 2020 was a year with special factors in which a special fixed -rate benefits of 100,000 yen per person were paid for 100,000 yen per person due to the spread of the new colonovirus, and expenditures were reduced due to self -restraint.

　In other words, let's keep in mind that these statistics do not know the amount of retirement funds to be prepared.

　The amount of funds that you really need to be prepared is calculated by "retirement income -expenditure in retirement", which is not enough.However, most people don't imagine how much expenditure in retirement will be.Generally, the expenditure of retirement is said to be 60-70 % of the active era.So, here, let's estimate 70 % of the current living expenses.Be careful if you are not sure about your monthly expenditure.Check out the history of deposits and savings for one month, the receipt of the receipt and credit card for shopping, and try to aggregate it because it may be roughly 1000 yen units.70 % of the amount is a guide for monthly retirement spending.

　In addition, you want to prepare medical expenses and nursing care expenses separately from expenditure of living expenses in old age.Household surveys do not have such money.As a guide, it is about 3 million yen to 5 million yen per person.

The income after retirement is basically "public pension + corporate pension"

　On the other hand, the large pillar of retirement income is the public pension.There are two Japanese public pensions: a national pension for which all people from the age of 20 to 60 are joined, and a employee pension for employees and public servants to join.

　In the case of office workers and civil servants, the employee's pension insurance premium is deducted from the monthly salary.This includes national pension insurance premiums.Therefore, when you are retirement, you will receive an old -age pension from both the national and welfare pension.

　On the other hand, sole proprietors, freelancers, and housewives (husbands) do not join the employee pension, so the old -age pension is only for the national pension.

　The old -age pension received from the national pension is called the "old -age basic pension" and the old -age pension received from the employee pension is called "old -age welfare pension".

　The old -age basic pension can be received by paying a national pension insurance premium for 40 years (480 months) from the age of 20 to 60.If you pay for 40 years, the amount you can receive is 789,000 yen (FY2021).In addition, if there is a period of unpaid national pension insurance premium, the amount you can receive will decrease accordingly.

　On the other hand, the amount of the old -age pension varies depending on the average annual income and the number of membership months, and roughly "average annual income ÷ 12 x 5..Calculate in the formula of 481/1000 x number of entrants.In general, the higher the annual income, the higher the insurance premiums to be paid, and the higher the pension you will receive in the future.

　Check the exact amount of public pensions on "Nenkin regular flights" or "Nenkin Net".Nenkin regular flights are documents that arrive by mail every year on their birthdays.If you are over the age of 50, the Nenkin regular flights include "the expected amount of pensions that can be received from the age of 65 if you continue to join until the age of 60".If you look at this, you can see the approximate amount of pensions.

　On the other hand, if you are under the age of 50, the Nenkin regular flight only says "the amount you receive at the moment".In this case, young people will not be helpful because the amount is too small.What I want to use is Nenkin Net, a website of the Japan Pension Service.If you log in to Nenkin Net, you can easily simulate your pension amount.It is convenient because you can check the information at any time on your smartphone or computer.

　Here, the amount of public pensions by the average annual income and employee pension enrollment period is shown.

* Estimated national pension amount (789,900 yen) and a guide of the welfare pension * The amount received under 65 is displayed as of 65 years old.

　The vertical axis in the table above is the average annual income, and the horizontal axis is the enrollment period of the welfare pension.The national pension shall be paid for 40 years and can be received.The total of the public pensions in this case is described in the table.

　For example, let's compare the average annual income of 3 million yen, 4 million yen, and 5 million yen if you join a welfare pension for 40 years.The pension you get will change as follows.

・ Average annual income of 3 million yen for 40 years ... Public pension Approximately 146.50,000 yen (about 12 per month.20,000 yen) ・ Average annual income 4 million yen joined for 40 years ... Public pension per year about 167.50,000 yen (about 14 per month.100,000 yen) ・ Average annual income of 5 million yen and joined for 40 years ... Public pension per year.100,000 yen (about 15 per month.50,000 yen)

　Also, some people join a corporate pension at work.The amount of corporate pension is not included here, so let's add the amount.Check with the jurisdiction department, such as the personnel and general affairs of your company, the type and amount of the corporate pension you have subscribed to.

What should I do if there are few public pensions?

　In this way, as a result of estimating retirement income and expenditure, it is better for those who say that the expenditure after retirement is much smaller than the retirement income, but in fact there are people who say that they are not enough for retirement.I think most are.

　If you don't have enough funds for retirement, you can increase the pension itself.The representative is "long working + pension depression."

　In principle, the national pension can only join up to 60 years old, but the welfare pension can be joined until the age of 70.In other words, working for a long time after the age of 60 will increase the number of monthly enrollment pensions and increase the amount of welfare pensions that can be received.

　In principle, pensions can be received from the age of 65, but they can also delay the receipt.This is called a depreciation.In the case of a deferred receipt, the pension amount is 0 for each delay of receiving the pension..Increased by 7 %.After April 2022, the pension will be increased by 84 % by retaining the pension to the maximum of 75 years.Of course, during the period you are going, you will not be able to receive a pension, so you need to prepare living expenses during that time.However, by working down the pension while working, you can increase the pension you can receive.

　The above two table is a guideline for the annual amount (national pension + welfare pension) when you join the welfare pension after the age of 65 and pay for the pension.It can be seen that the pension is increasing with each other for a long time in the welfare pension.After the age of 70, the employee pension will not be able to join, so it is only a pension, but the amount that can be received every year is increasing.

　The red part of the table is a guide to receiving a pension of 200,000 yen or more a month.The average amount of pensions is about 14 per month.Because it is 40,000 yen, you can see that you will be able to receive more than the average with "long working + pension deposits".

"Tsumitate NISA" and "iDeCo (Ideko)" are used together to make "Jibun Pension"!

　As we have introduced so far, there is a way to increase the public pension, but there is no guarantee that the pension system will not change in the future.And I don't know if anyone can do "long working + pension deposits" in the future.

　What we want to use is the system such as "Tsumitate NISA" and "iDeCo".If you use NISA or iDeCo, you can increase money efficiently while receiving tax incentives.[ * Click here for related articles!] ⇒ Comparing "Tsumata NISA" and "iDeCo", we recommend "Tsumata NISA" for beginners!Long -term reserved investment can be made at low cost, profits are tax -exempt and points are accumulated!

　NISA is a system that allows the profit obtained by investment up to an annual investment limit of 400,000 yen for up to 20 years.The profit of the investment is originally 20.It costs 315 % tax.However, with NISA, this tax will be zero, so if you get a profit, you can receive it properly.

　NISA will make funded investments in products that are expected to increase assets in long term, which meets the conditions of the Financial Services Agency.By continuing to invest in a long period of time, you can expect compounding effects and compounding effects that increase the amount of money to generate more money.

　Major online securities such as SBI Securities and Rakuten Securities can accumulate from 100 yen a month, and other financial institutions such as Aeon Bank can start from around 1000 yen.NISA can quickly withdraw money as soon as you need money.Even those who have never invested before are perfect for starting investment.[ * Click here for related articles!] ⇒ "Tsumitate NISA" announces six securities companies and banks recommended by professionals!Detailed explanations by comparing how to select a financial institution that does not fail with "presence or absence of points" and "number of handled stocks".

　In addition, iDeCo (Ideko) is a system that pays for investment trusts, etc., and accumulates funding for retirement.It can be used from 5,000 yen every month, and the maximum amount depends on the type of national pension and the presence or absence of a corporate pension.iDeCo (Ideco) allows you to deduct full income, reducing the burden on income tax and resident tax.In addition, as well as NISA, the operating profit is exempted, and the tax burden can be reduced when receiving it.

　Ideco (Ideco) has a stronger tax incentive than NISA, but cannot be withdrawn in principle until the age of 60.This is a merit to save retirement funds, but you may be worried about starting when your income is still small.In that case, it is better to give priority to NISA first and work on the iDeCo (Ideko) after the NISA can be done up to the upper limit (400,000 yen per year).[ * Click here for related articles!] ⇒ Compare financial institutions of IDECO (individual defined contribution pension)!Introducing securities companies and banks that can open iDeCo accounts compared to account management fees and investment trusts!

　Use the ways to increase your pension, such as working for a long time and receiving a long time, and as soon as possible, use NISA and iDeCo (Ideko) as soon as possible to accumulate the "Jibun Pension" little by little now![ * Click here for related articles!] ⇒ Teaching and using the "Jibun Pension" to compensate for the shortage of retirement!With "Tsumata NISA" and "iDeCo" funded investments, "time" should be added to allies and increased with "compounding effect"!⇒ "Tsumata NISA" is not really scary for beginners of investment!? Explains "4 keywords (= long -term, reserve, distributed, low cost)" that can reduce the risk of reducing assets by investment.

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