In recent years, the issue of delayed retirement has aroused heated discussions in our country. Generally speaking, there are many opposing voices. So what do Americans think about delayed retirement?
The retirement age for Americans is determined by year of birth. The U.S. Social Security Administration stipulates that the retirement age for those born in 1937 and before 1937 is 65 years old, the retirement age for those born in 1938 is 65 years and 2 months, and so on; the retirement age for those born between 1943 and 1954 The retirement age is 66 years old. The retirement age for those born in 1955 is 66 years and 2 months, and so on; the retirement age for those born in 1960 and after 1960 is 67 years old.
A recent survey by the Transamerica Center for Retirement Studies found that 54% of Americans expect to continue working for a while after reaching retirement age, or not retire at all.
The main reason for not being in a hurry to retire is that you haven’t saved enough money. Among the baby boomers (Americans born between 1946 and 1964) who are currently at the peak of retirement, 45% have no retirement savings, and 28% have less than $100,000 in retirement savings. Data from the U.S. Bureau of Labor Statistics in 2018 show that retirees’ average annual expenses are close to $50,000, which means that a savings of $100,000 can only last two years of retirement.
If I don’t have enough savings, don’t I still have a pension? The United States has a dual-track pension system. The pension of more than 20 million government employees can reach up to 70% of the highest average monthly income during their employment. If they earn US$6,000 per month, they can receive US$4,200 per month after retirement. The social security pension of ordinary people is less than half of the highest average monthly income during employment. If the monthly income is US$4,800, they can only receive US$2,000 per month after retirement. This little money is far from being able to maintain a normal standard of living.
In addition, the amount of pension will fluctuate according to the specific retirement age. If you start receiving pensions from the earliest age allowed by law, 62 years old, the collection ratio cannot exceed 75%, while if you start receiving pensions from the age of 70, the collection ratio can reach 132%. Therefore, many Americans continue to work after reaching retirement age, on the one hand to accumulate more retirement savings, and on the other hand to receive more monthly pensions in the future. (CCTV reporter Wang Dewei)
Source: CCTV.com
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