How much is the monthly amount of welfare pension and national pension?Know the ideals and gaps in retirement

Photo: LIMO [Rimo]

「厚生年金と国民年金の月額受給額」はいくら？老後の理想とギャップを知る

A movie starring Yuki Amami, starring "I don't have the funds for retirement!"There is a configuration that the ordinary housewife is the protagonist, and it raises the problem of serious retirement funds in an easy -to -understand manner."National pension / welfare pension amount" and gap with the ideal of retirement!If you have a financial knowledge, you can predict that your pension will decrease in the future.However, if you have few opportunities to think about your retirement life, you may have been shocked by the content of the movie.No matter how much you save, the problem of retirement funds may fall off.The most serious is the monthly pension, which is the source of income ( * editor -in).For many people, ideals will be a gap.This time, I would like to face the problem of retirement funds while referring to the average amount of those who are currently receiving the pension.[ * Reference article] What is the percentage of people who receive the welfare pension "250,000 yen or more a month"?

What kind of system is a pension in the first place?

The Japanese pension system basically has a two -story structure.The first floor is a national pension.As the basic pension, it is a base pension that everyone living in Japan joins.At the age of 20, you will automatically join and pay your monthly insurance premiums until you are 60.You may be exempted or deferred when your income is significantly lowered between students or when your income falls significantly.If there is an unpaid period, the amount received will be lower than those who have paid.However, since the insurance premium is uniform, there is no big difference unless there is a very unpaid period.The second floor is a welfare pension for employees and public servants.It is an image that is added to the national pension.The welfare pension insurance premium is determined by the amount of income, and the pension is determined according to the insurance premium paid.By the way, the insurance premium is paid in half with the employer.So how many pensions do the current senior generation actually receive?Let's take a look next.

The average monthly amount of the national pension is 50,000 yen

Let's take a look at the average monthly amount of those who are currently receiving the pension based on the Ministry of Health, Labor and Welfare's "Fiscal year (2019) Employees' Pension / National Pension Business Year".National pension / pension per month: 55,946 yen, men's average: 58,866 yen, women's average: 53699 yen There is no big difference between the average monthly amount of men and women who expand the national pension "everyone's received".There is no difference, the average is 50,000 yen.If you are a self -employed person who has not joined the employee pension, this monthly fee will be income.It may be difficult for both households alone and married households to live on the national pension alone.

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