Pension Source and Gap Analysis

Problem

In retirement planning, the hard part is not usually counting total assets, but deciding which assets can actually be treated as retirement cash flow. This skill focuses on the third step: pension source and gap. It builds on a pension projection report and a retirement cash-flow report, then separates social pension, annuities, rental income, deposits, stocks, funds, wealth-management products, and policy cash value. The key question is: given a target retirement spending level, how much can be covered by reliable income, and how much gap remains across each age band.

How it works

• Input scope: It expects the neutral-case result from a pension projection report, plus stage-level annual budget, rigid expenses, and flexible expenses from a retirement cash-flow report. If those inputs are missing, the upstream reports should be completed first.
• Calculation basis: When scripts can be executed, the output should be based on the sourceAndGap field from scripts/pension_calculator.py; manual calculation is only for cross-checking. If the script is unavailable, manual calculation may be used but must be marked as an unvalidated manual version.
• Output order: It first produces a certain income source table, listing monthly stable income from social pension, annuities, rent, and similar items, then derives annual certain income. It then produces a annual pension gap table showing annual spending target, floor-level need, annual certain income, certain gap, and quality gap.
• Asset screening: An asset can count toward retirement calculation only if it has certain timing, certain form, certain amount, and certain ownership flow. Home market value cannot be treated directly as pension income; only a confirmed net sale amount or stable rent may be included.

Boundaries

This is suitable for workflows that already have baseline projections and retirement cash-flow data, and need a third report focused on income sources and gaps. It does not recommend products or deliver a full retirement plan, and it should not present uncertain returns, current market values, or assets without clear ownership flow as certain cash flow.