The pension replacement rate has decreased by 10%, and it is not enough to rely on a pension.
Before retirement, we all lived on wages. We can't continue to work after retirement. What do we do? The state has set up a social security policy for ordinary people, allowing enterprises and individuals to pay a certain amount of social security fees before retirement, and save their pensions in advance. Although they say that they have a sense of security, many people are still a little lost after they really get the money, because the salary is still much less than when they are on the job.
The replacement rate of pension is decreasing. How can young people support their old age in the future? In my opinion, if you want to live a better life after retirement, institutions and large enterprises after graduation.
In addition to social security, China also has supplementary pension insurance, that is, enterprise annuity and occupational annuity, which are not available to ordinary small and medium-sized enterprises. Occupational annuities are only open to employees of public institutions, and enterprise annuities are still affordable for some large enterprises at present. In order to get an extra pension after retirement, today's graduates have to work in government departments, state-owned enterprises, large private enterprises and large private enterprises when choosing the direction of job hunting.