【年金繰上げ・繰り下げ論争】みんな何歳から年金もらってるの？【きになるマネーセンス1194】

[Free] Money Sense College Trial Session | See the actual member site → https://money-sense.net/first-moneyse... [Trial Session List] Retirement Funds, Investment Trusts, iDeCo… Solving Your Problems → https://money-sense.net/seminarlist?u... "Is it better to receive your pension early at 60?" "No, 65 is better." "Is it better to delay?" — Are you confused about what to do after seeing the online debate about receiving your pension early or delayed? This time, based on data from the Ministry of Health, Labour and Welfare, we will check from primary sources at what age people actually start receiving their pensions and explain the points of contention for both early and delayed receipt. [Membership Service] Money Sense College → https://money-sense.net/lp/team7/?utm... [Booklet] Purchase Here → https://money-sense.net/booklet-top/?... ◆Table of Contents 0:00 Start 1:26 Early or Delayed Payments: No Difference 1:57 At What Age Are You Currently Receiving Your Payments? 7:15 Benefits of Early Receipt: Healthy Life Expectancy 10:35 Benefits of Early Receipt: Break-Even Point 12:28 Cases Where Receiving Early is Better: Do You Have a Chronic Illness? 14:23 Average Life Expectancy 17:57 The System and Benefits of Tax-Exempt Households 25:06 Summary 27:40 Bonus ◆Related Videos ・《Just a Difference of 10,000 Yen…》What is the 2.11 Million Yen Pension Wall? Those with Less Than 2.1 Million Yen Should Also Pay Attention! [2024 Edition] [Money Sense That Makes You Curious 678] 《たった1万円の差で…》年金211万円の壁とは？210万円以下の人も要注意！【202... • [Pitfalls of Survivor's Pension] Think More Than You Think About the Pension Amount After Your Husband's (Wife's) Death [For Company Employees + Stay-at-Home Spouses] [Money Sense That Makes You Curious 703] 《遺族年金の落とし穴》夫(妻)の死後、年金額は思っている以上に減る【会社員＋専業主婦... • [The Dark Side of Employees' Pension] Think More Than You Think About the Pension Amount You Receive After Your Husband (Wife) Passes Away [For Dual-Income Couples] [Money Sense That Makes You Curious 705] 《厚生年金の闇》夫(妻)に先立たれた後の年金受給額は思っている以上に減る【共働き編】... 🗒️The content of this video is also available in text format: https://money-sense.net/18200?utm_sou... ■Actual Pension Receipt Data (National Pension and Employees' Pension) According to a survey by the Ministry of Health, Labour and Welfare, the percentage of those receiving only the National Pension who choose to receive their pension early is decreasing year by year, reaching 23.2% in FY2024 (previously around 28%). Only a small number of people choose to delay receiving their pension, with receiving it at the standard age of 65 being the norm. On the other hand, among those receiving the Employees' Pension (including the National Pension portion), 96.9% receive their pension at age 65, meaning that only a small number of people choose to receive it early or delayed. ■Two Arguments for the Advantage of Early Receipt There are mainly two reasons for recommending early receipt of pension benefits. One perspective is "healthy life expectancy," where the difference between the period of time one can live without physical limitations (healthy life expectancy) and average life expectancy is approximately 8.8 years for men and 12.3 years for women. This difference is cited as a reason why some believe it's better to receive benefits earlier. Another perspective is the "break-even point," where, based on a system where the pension amount increases by 8.4% for each year of delay, it's calculated that delaying benefits becomes advantageous if you can receive them for approximately 12 years or more (100 divided by 8.4). However, this is a simplified calculation and does not include changes in taxes and social insurance contributions, nor does it account for discounting future values ​​to present values. Some argue that, assuming an annual return of 4% or more, it's more advantageous to receive benefits earlier and manage them yourself. ■Cases where receiving benefits earlier is considered better Before making a decision based solely on the two points above, Money Sense College believes that a crucial factor is whether you have any pre-existing conditions that increase the risk of dying earlier than the average life expectancy. According to the Ministry of Health, Labour and Welfare's complete life table (2020), the average life expectancy for those who live to age 65 is approximately 19.97 years for men (until around age 85) and approximately 24.88 years for women (until around age 90), indicating a high probability of living longer than the average life expectancy at birth. Choosing early retirement solely based on the belief that "I will die young" (even without pre-existing medical conditions) may deviate from these statistics. ■ Re...