At present, the legal retirement age in most developed countries is 65. In European and American countries and regions, more than 90% of retirees do not rely solely on receiving the basic pension issued by the government for their retirement.

These countries also have a very developed auxiliary network to ensure elderly care.

For example, the United States implements indirect fiscal transfers in tax policy to support the pension system; Germany spends tens of billions of euros every year to support the operation of its huge pension security system.

The sources of pensions vary from country to country.

In the United States, employers and employees each pay a tax of 6.2% of salary income to form a dedicated "Social Security Fund."

85% of it is used to pay pensions, and 15% is used to pay other social security funds such as disability pensions, survivors and orphans pensions.

In France, the employer pays 8.2% of the basic pension and the employee pays 6.55%; France’s pension for survivors and orphans is funded by the employer paying 5.4% of the employee’s income. As a subsidy for families in need, retired employees in many countries receive pensions.

There is no fixed amount, and it depends on retirement age, annual salary and years of service, position of employment, etc.

Those with a small amount will not receive 50% of the original salary; those with a large amount can receive more than 100% of the original salary.

Sweden's pension is divided into two parts, one is the basic pension income, and the other is the "pension supplement", which is unique to Sweden.

"Pension Supplement" is determined based on the income and tax situation before retirement. The longer the service period and the higher the salary, the more "Pension Supplement" is accumulated, and the more pension can be received after retirement.

In France, the situation is different.

France is recognized in the world as a country that implements relatively "generous" social welfare.

General employees can receive a pension of 50% of their original salary after retirement, while civil servants can receive a pension of 75% of their pre-retirement salary.

French law stipulates that you must pay 160 quarters of pension insurance and apply for retirement after reaching the age of 65 before you can enjoy your pension in full and in proportion.

The basis for calculating the original salary income of general retirees in France is the average of the best 25 years of the individual's income.

For example, if a person’s monthly income in the best period of his life is 4,000 euros (about 40,000 yuan), his monthly income in the worst period is only 1,000 euros, and his average monthly income in the best 25 years is 2,500 euros, then he can

The pension received is 1,250 euros.

For those who have reached the age of 65 but have not paid a full pension, their pension will be reduced proportionally.

For example, assuming that a person reaches the age of 65 but has only paid 90 quarterly pensions, and the average monthly income for 25 years is 2,000 euros, he can only receive a pension of 562.5 euros (90÷160×2,000 euros×50%)

.

It seems that the number of years of pension payment has a great impact on pension income.