1. Calculate the required retirement pension: factors such as personal life expectancy, retirement age and living standard need to be considered. Usually, the retirement pension that an individual needs should be 70% ~ 80% of his pre-retirement salary.
2. Calculate the actual retirement pension: it usually includes the basic pension provided by the state and local governments, the enterprise annuity provided by enterprises, and the commercial endowment insurance purchased by individuals themselves.
3. Calculate the retirement pension gap: the retirement pension gap is equal to the required retirement pension minus the actually obtained retirement pension. Many factors need to be considered in calculating the retirement pension gap, and other different calculation methods can also be adopted, but the method introduced above is relatively simple and commonly used.
To calculate the retirement pension gap, we need to analyze the following factors:
1. Personal income: including salary income before retirement, pension income after retirement and other pre-tax income.
2. Personal expenses: including daily living expenses, medical care expenses, house maintenance, etc.
3. Pension system: including basic pension provided by the state and local governments, enterprise annuity provided by enterprises, and commercial pension insurance purchased by individuals themselves.
4. With the acceleration of population aging and the gradual relaxation of retirement age in China, the issue of retirement pension has attracted much attention. The gap of retirement pension refers to the difference between the pension security required by retirees according to certain standards and the actual pension security.