[Could you be losing up to 4 million yen!?] The '3 Hidden Assets' not listed on your Pension Statement and how to protect your retirement funds

To those in your 50s and 60s. Do you just glance at the 'Pension Statement' that arrives every year during your birth month? In fact, the estimated amount written on that postcard is merely the 'minimum basic set,' and there is 'hidden money' that the government doesn't tell you about. That amount can be as much as 4 million yen! If you leave this alone without knowing about it, you will end up throwing away the retirement funds you were originally entitled to.

Japan's pension system is based on an 'application principle.' Unless you personally submit an application form to the counter (pension office) saying, 'Please give me my money,' not a single yen will be transferred to you. There is a cruel reality that those who have diligently paid their Employees' Pension and National Pension are not automatically rewarded.

So, what are the '3 hidden assets' that don't appear on the pension statement?

1. The pension version of a family allowance: 'Dependent Pension Addition'

This is a special bonus you can receive depending on the age gap between spouses. For example, if the husband starts receiving his pension at 65 and the wife is 60, about 400,000 yen will be added every year for the 5 years until the wife turns 65 (a total of about 2 million yen). If the age gap is 10 years, it's about 4 million yen. However, you cannot receive this unless you apply for it yourself in the month of your 65th birthday.

2. The sleeping retirement money of job changers: 'Pension Fund Association'

If you have ever worked for a company with an Employees' Pension Fund and resigned after a short period, your retirement money (withdrawal lump sum) may have been left deposited with the 'Pension Fund Association.' Currently, as many as 1.06 million people have left their money unclaimed, and there is a risk that it could disappear due to the statute of limitations.

3. The 'missing pension records' that haven't been resolved

Due to name changes after marriage, past job changes, or errors in reading kana, your pension records might be floating in limbo. If you search using 'Nenkin Net' and your My Number Card, you may be able to recover missing past records and increase your lifetime pension benefit amount.

Furthermore, starting in April 2025, a substantial 'benefit cut' has begun, with the benefit rate for the 'Older Worker Employment Continuation Benefit' being reduced from a maximum of 15% to 10%. For the senior generation whose salaries decrease due to re-employment after retirement, it is an urgent task to review the balance between future work styles and pensions.

In this way, if you don't know the rules of the pension system where 'only those who know benefit,' a large gap will be created in your standard of living during retirement.

For those who say, 'I want to know more!' or 'I want to know the steps to check right now if I am losing money!', I have thoroughly explained the 3 actions you should take right now in this YouTube video in an even easier-to-understand way!

👇[Must-see] Will your retirement be heaven or hell? Steps to reclaim your hidden pension assets👇

Knowledge is a lifelong asset. Let's make sure you receive the 'real money' that is proof of the hard work you have put in for many years, and achieve a rich retirement full of smiles! Please also give the video a high rating and subscribe to the channel.

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