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养老金 — pronunciations, definitions, and tags
HanziPinyinEnglishTags
养老金yǎnglǎojīnpensionHSK 7, unknown, 23 strokes, rank #10013, Very Hard
yǎnglǎojīn(yang3lao3jin1)yang lao jin T3
  1. 1pension
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March 24, 2026

养老金(養老金)yǎnglǎojīn(yang3lao3jin1)

养老金 (yǎnglǎojīn) refers to a pension or retirement fund that provides financial support to individuals after they retire from work. It is commonly used in discussions about social security, retirement planning, and financial stability in old age.

Strokes23Frequency#10013DifficultyVery Hard
Cultural Note

In China, the concept of pensions has gained significance due to the rapid aging of the population, leading to reforms in the pension system to ensure sustainability and support for the elderly.

Memory Tip

Imagine a wise old man (yang3) sitting on a comfortable chair, counting his golden coins (jin1) that represent his pension. The character '养' (to raise or support) suggests nurturing, while '老' (old) emphasizes the focus on supporting the elderly.

Meanings of 养老金

yǎnglǎojīn(yang3lao3jin1)
1pension
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About 养老金

养老金Simplified
養老金Traditional
23Strokes
—Radical
#—Frequency Rank
HSK 3.0L7AdvancedCEFRC2

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Podcast: 养老金

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AI Study Notes for 养老金

Quick Contrast

退休金 (tuìxiūjīn) - use 养老金 when referring to a broader pension fund that may include various sources, while 退休金 specifically refers to the retirement payment received after retiring from employment.

Usage Notes

In conversations about retirement, avoid mixing this term with '退休金' (tuìxiūjīn), which also means retirement fund but has a slightly different emphasis. This term is more formal and commonly used in financial contexts.

HSK Study Tips

Although '养老金' is not in the HSK vocabulary lists, it incorporates the HSK level 3 word '老' (old) and the level 4 word '金' (gold/money). Students should focus on understanding how this term relates to themes of aging and financial security.

Common Mistakes

Learners often confuse 养老金 with '社会保障' (shèhuì bǎozhàng, social security). A common mistake is saying, '我有社会保障金' (I have social security money), instead of '我有养老金'.

AI-enhanced 2026-03-24

Pronunciation of 养老金

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Component Characters

养yǎngto raise (animals)
HSK 39 strokes丷
View full entry
老lǎoold (of people)
HSK 36 strokes老
View full entry
金jīngold
HSK 38 strokes金
View full entry

How to say pension in Chinese

“pension” in Chinese is养老金yǎnglǎojīn

养老金 (yǎnglǎojīn) refers to a pension or retirement fund that provides financial support to individuals after they retire from work. It is commonly used in discussions about social security, retirement planning, and financial stability in old age.

When to use 养老金

In conversations about retirement, avoid mixing this term with '退休金' (tuìxiūjīn), which also means retirement fund but has a slightly different emphasis. This term is more formal and commonly used in financial contexts.

养老金 or something close to it

退休金 (tuìxiūjīn) - use 养老金 when referring to a broader pension fund that may include various sources, while 退休金 specifically refers to the retirement payment received after retiring from employment.

What learners get wrong

Learners often confuse 养老金 with '社会保障' (shèhuì bǎozhàng, social security). A common mistake is saying, '我有社会保障金' (I have social security money), instead of '我有养老金'.

Write 养老金

养
老
金

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Frequently Asked Questions about 养老金

养老金 refers specifically to the pension system for ongoing financial support in retirement, while 退休金 can refer to any retirement fund, including one-time payouts.

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