現在、退職金のない会社は全体の2割に及びます。
退職金は法律で義務化はされていませんが、果たして退職金がなくても大丈夫なのでしょうか。
目次
退職金ない会社はやばい！6つのデメリットとは？
- 「成果が出せなければクビ」といった完全実力主義
- 社員に長期で働いてもらう気が無い
- 資本力が無い
- 社員を使い捨てにする事がある
- 給料が低い
- 退職した時にまとまったお金が入らない
「成果が出せなければクビ」といった完全実力主義
終身雇用・年功序列制度がなく、完全な成果主義のため精神的にきついです。
社員に長期で働いてもらう気が無い
ベンチャー企業や創業間もない企業はそもそも長期で人を雇う予定がない所も多いです。
資本力が無い
ベンチャー企業や個人の飲食店では資本力がなく退職金に向けた拠出金積立が出来ないです。
社員を使い捨てにする事がある
社員を捨て駒のように使う企業もこの世には存在しています。そういった会社は社内環境も悪く精神的に追いつめられる事があります。
給料が低い
資金力がないので退職金はおろか、給与まで低い企業があります。
退職した時にまとまったお金が入らない
退職後の転職活動、老後の生活などにあてるお金が一気に入ってきません。
退職金ない会社に転職するメリットは？やばいだけ？
- 給与やボーナスに上乗せされる事がある
- 老後設計がしやすい
- 退職金にまつわる手続きが不要
- 安心感がある
給与やボーナスに上乗せされる事がある
通常退職金は最低3年以上働くともらえるが、退職金を用意していない会社では月々の給与やボーナスに上乗せしてくれる所があります。
こういった会社では入社後すぐに給与面での恩恵が受けられます。 早期の転職も考えやすく、自由な働き方を望む人に合っているといえます。
老後設計がしやすい
会社によっては予定外の業績悪化などにより、退職金が減らされる事があります。
受け取る予定だった退職金の額が大幅に違ってくると、老後の計画に狂いが生じます。
その点、退職金がなく代わりに給与に上乗せしてくれている会社であれば、自分で老後生活の計画も立てやすいです。
退職金にまつわる手続きが不要
基本的には退職金の申請書類は会社側がまとめてくれる。「退職所得の受給に関する申請書」を勤務先に提出しておけば自分で確定申告をする必要がありません。
安心感がある
退職した時にまとまったお金が手に入ると確約があれば、将来の事を考えた時に安心感があります。
退職金制度のない会社はベンチャー企業や個人経営店などが多いです。 退職金がない分給与や賞与に上乗せされていればメリットです。
完全実力主義、インセンティブ等でバリバリ稼ぎたい人にも合っています。
また、さまざまな企業で仕事をしたいといった人には転職のしやすさという点もメリットです。
やばいの？退職金なしの会社ってどんな会社
- ベンチャー企業
- 中小企業に満たない小規模企業
- 創業したばかりの企業
- 個人経営店
- 制度として設けていない
会社の規模が大きければ大きいほど退職金制度を設けている企業の割合は増えます。 つまりベンチャー企業や創業して間もない企業は退職金を設けていない事が意外に多いのです。
退職金がない会社にいることのQ&A
Q.退職金ない会社の老後の対策はどうすればよいか？
以下のような対策方法があります。
- 積立型の保険、解約時に払い戻しのある保険に加入する
- 個人型確定拠出年金、国民年金基金といった私的年金を利用する
- iDeCoや積立NISAを使う
- 基本給や賞与を比較し転職を検討する
できるだけ早く自衛をしてください。
Q.旦那は大手で年収500万の正社員ですが、退職金がありません。老後は大丈夫でしょうか？
貯蓄がしっかり出来ているなら大丈夫でしょう。 しかし夫婦二人で老後を過ごすには十分な額ではないので、貯蓄・収入を増やす工夫をする必要があります。
Q.年収300万の女性ですが、退職金なしで生きていける？老後は大丈夫でしょうか？
女性は年齢が上がると年収が増え、最も高くなるのが50～54歳と言われています。
それでも平均年収は330万程度です。
生きてはいけますが、独身なら精神的・金銭的な余裕がなく、既婚者もパートナーが解雇や病気などで突然職を失う事があるかもしれません。
退職金がある会社の方が安心ではありますが、業績悪化などの理由により退職金の不支給、減額される場合も考えて自分で貯蓄をしておき、老後生活の計画をしておいたがいいでしょう。
また自分のワークライフバランスを見直し、退職金のある企業に転職を検討してみてもいいでしょう。
Q.退職金なしでボーナスなし、給料も低い会社ですが、老後は大丈夫でしょうか？
結論からいうと大丈夫ではありません。
給与、賞与、手当、退職金が十分でないという事は、その会社は社員の事を大切にしているとは思えないからです。
どうしてもその会社で働きたいなら自分で別に貯蓄をしていく必要があります。
しかし、年齢が上がると転職に不利になってくるので、早めに見切りをつけて別の仕事をする方が建設的です。
Q.退職金が無くてもボーナスや基本給が高いならメリット？
これはメリットととらえる事ができます。 給与やボーナスに上乗せされている分を貯蓄にまわせます。
今後は退職金の金額もどんどん減り、退職金を出さない会社が増えてくるかもしれません。
もらえる物はもらっておいた方が得ですが、退職金だけを当てに老後の計画をしていると誤算が生じるかもしれません。
「退職金があるから大丈夫」と安心するのではなく、自分で確定拠出年金などを使い貯蓄するなど、計画的に準備しておく事が大切です。
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