Japanese 20s lose over 20M yen by subscribing for the Welfare Pension

Ministry of Health, Labour and Welfare


The Japanese Welfare Pension
Current Age: [Amount receive - Amount paid]yen
70:　+30.9 million (+$393,136)
65:　+17.7 million (+$224,613)
60:　+7.5 million (+$95,175)
55:　+1.7 million (+$21,573)
50:　-3.4 million (-$43,146)
40:　-12.2 million (-$154,818)
30:　-18.9 million (-$239,841)
20:　-22.8 million (-$289,332)

This calculation is based on the circumstances of the end of 2010, regarding Japanese male who pays the Welfare Pension for 40 years out of an annual income of 7.5 million yen($94,612) and lives till average life expectancy with his house wife.
The generations under the age of 55 would be paying more than the amount they receive.
People who was born after the April of 1961 start receiving the Welfare Pension at the age of 65, however the older people do at 60. Perhaps in future the new rule would further delay the receiving age to 68 and 70, decreasing the total amount received.


年金、20代は2000万円超の払い損　　普通の人でも資産運用をしなければいけない理由（２）　―日本経済新聞
http://www.nikkei.com/money/features/34.aspx?g=DGXNMSFK10011_10072012000000