- 投稿 2016/06/15 更新
- セミリタイア関連 - 社会保障(年金・国民健康保険)
年金は払い損、という話は話題のみが先行して実はよく中身は理解していない…という人も多いんじゃないでしょうか。
サラリーマンは給料明細も手取り以外ロクに見ない人が多いですからね…
確かに年金の仕組みは分かりにくいです。わざと分かりにくくしてるんじゃないかしら、とすら思いますね。誰にでもわかるようにすると、明らかにおかしい、となって大騒ぎになりますし。
特に厚生年金の問題と国民年金の問題を混同してる人が多いんじゃないでしょうか。
厚生年金の仕組みは物凄く分かりにくいんです。しかも勉強しても楽しくもなんともない(知れば知るほど不愉快になる)ので、詳しく知りたがる人はめったに居ません。
しかもサラリーマンは給料から保険料天引き、どうしようも無いので余計無関心になります。で、よく分からないなりに年金は払い損、というのが世間の常識になってます。
厚生年金に関してはその理解でも大きくは間違っていないのですが…詳しく検証しようとすると一冊の本になるので、敬遠されがちです。保険料が労使折半というのがまた問題をややこしくしてますし…
その点、国民年金は払う金額も貰う金額も決まっているので、ある程度計算はできます。ざっくり言って保険料を40年払えば65歳から75歳までの10年間で元が取れる計算になります。頑張って75歳以上まで生きましょうね、という所です。一応、平均年齢まで生きれば払い損どころか大幅にプラスになる計算です。
ただこの計算も保険料が今のレベルで止まって、給付開始年齢が大幅に引き上げられない事が前提です。
「自分の時はどうなってるの?」というのが最大の関心事でしょうね。
計算自体は簡単なので、ヒマな人はエクセルでも使ってどのくらいのレベルまでなら逃げ切れるか計算してみればいいでしょう。あくまでも厚生年金に比べれば、ですが割と有利なゲームであるのが分かると思います。その分厚生年金が割を食っているのですが…
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