Average take-home “270,000 yen a month” … Cruelty of “pension benefits” that is not enough | Asset defense media for wealthy people | Gentosha Gold Online

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(* The photo is an image / FIFO)

“Downstream old man” “Old-age bankruptcy” … Nowadays, there are many painful words. Do you have the money you need for old age? We will explain based on the announcement by the Pension Bureau of the Ministry of Health, Labor and Welfare, “Overview of Reiwa 2nd Year Welfare Pension Insurance and National Pension Business”.

[Related article]Pension 3 million yen, savings 50 million yen … The reason for old-age bankruptcy should be generous

“Prospects of gradual decline” Deep despair expressed by the country

Money that does not increase even if you deposit it in a bank, education expenses that are bulky, old age living expenses that increase as your life span increases, on the other hand, pensions that continue to decrease, salaries that do not increase, taxes and social insurance premiums that increase steadily … Japanese society with a chain of jams.

Amid growing anxiety about old age, the Ministry of Health, Labor and Welfare’s pamphlet “Can public pensions provide sufficient benefits in the future?” 』(Reiwa 3rd year revised edition), you can see a sentence about pensions that seems to be a catch-up.

“With the declining birthrate and aging population, the benefit level is expected to gradually decline over the long term.”

“It is expected that we will be able to receive a pension of about 50% of the take-home income of the working generation.”

So how much is the take-home income of the working generation now? According to the National Tax Agency’s “Statistical Survey of Private Salaries” (for two years in Reiwa), the number of salary earners in Japan is 52.45 million, and the average salary is 4.33 million yen. Regular employees are 4.96 million yen and non-regular employees are 1.76 million yen.

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The average salary is 4.33 million yen, and the monthly salary is about 360,000 yen. It depends on the person, but it costs less than 270,000 yen. Since the pension is “about 50% of the take-home income”, the benefit level is considered to be 130,000 to 140,000 yen.

What is the actual amount of pension received? … If you look at spending, it ’s “not enough”

In fact, what is the average pension amount? Looking at the current status of receiving pensions from the “Overview of the Welfare Pension Insurance and National Pension Business in Reiwa 2” released by the Pension Bureau of the Ministry of Health, Labor and Welfare, the number of public pension insured persons is 67.56 million as of the end of Reiwa 2. So, the number of people has decreased by 60,000 compared to the end of the previous fiscal year.

The average monthly pension for welfare pension insurance (No. 1) recipients is 146,145 yen for the old-age pension. On the other hand, the average monthly pension for old-age pensions of national pension recipients is 56,358 yen.

Not only income but also monthly expenses are worrisome. According to the Ministry of Health, Labor and Welfare “2017 Pension System Basic Survey (Old-age Pension Recipient Survey)”, the average expenditure (monthly amount) is 255,000 yen. The older you are, the lower your average spending will be, but even so, living with a pension month of “140,000 yen” will be difficult.

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