First, basic pension account
The accounting of this account is based on the pension base, payment index and payment years. It is not just about the standard of pension base, why not? Because pension payment follows the principle of paying more and getting more, and long-term paying more and getting more, the pension base is the average social average wage. However, many low-income groups have lower wages before retirement than social average wages. The level of contribution index is determined based on the salary base. Their payment level before retirement is low, so it is naturally impossible to receive more pensions like high-income groups. Therefore, some people may only have 4,000 yuan, which is even lower than 4,000 yuan, and some people can get 5,600,700,700,800. Since the issuance base is only one of the accounting standards, we cannot completely determine whether we send more or less to determine whether we send more or less to send more.
For example, this year, the base for issuance in Beijing is 11,082 yuan/month, and the payment period is 30 years. Mr. Wang’s payment index is at the minimum standard of 60%, while Mr. Li pays according to the maximum payment according to 300%. Then the calculation is:
Mr. Wang’s monthly basic pension = 11,082×(1+60%) ÷2×30×1% = 2,659.68 yuan
Uncle Li’s monthly basic pension = 11082×(1+300%) ÷2×30×1% = 6649.20 yuan
It can be clearly seen here that although the base of the calculation is the same, because Uncle Li’s payment standard is higher, although the monthly basic pension is inconsistent with the base of the calculation is the level, it is not only possible to get 4,000 yuan.
Another item is to look at the payment period. Some people participate in insurance and pay in a short time. Correspondingly, the social security fees invested are naturally less. Many people who work for a long time and pay for a long time have invested more social security fees and need to give their investment proportional returns. The above methods can ensure the fairness of pension income and expenditure, so that more people can continue to participate in insurance and pay.
We still take the base of Beijing as an example. Assuming that Sister Zhang and Sister Zhao retire at the same time, they both use 100% as the payment index. Sister Zhang’s payment has just met the minimum standard for 15 years. Sister Zhao has 10 years of deemed payment period, and a total of 30 years of payment. Then the calculation is:
Sister Zhang’s monthly basic pension = 11082×(1+100%)÷2×15×1%=1662.30 yuan
Sister Zhang’s monthly basic pension = 11082×(1+100%)÷2×15×1%=1662.30 yuan
, while Sister Li's pension is calculated in two parts, one part is basic pension = 11082×(1+100%) ÷ 2×30×1% = 3324.60 yuan; the other part is transitional pension for 10 years. According to the calculation coefficient of 1.1%, the monthly standard should be 11082×(1+100%) ÷ 2×10×1.1% = 1219.02 yuan. In the end, Sister Li's monthly basic pension should be 3324.60 yuan + 1219.02 yuan = 4543.62 yuan. Compared with Sister Zhang, Sister Li has exceeded 4,000 yuan.
Second, when calculating this part of the personal account pension
, it has nothing to do with the calculation base, it depends on the level of payment of the person. When employees’ basic pension insurance pays, the unit bears 12%, and the individual has to bear 8%. The unit pays the part of the unit and enters the overall account, and finally the calculation standard is based on the calculation method of the basic pension. This part of the pension in the personal account is the part of your personal payment. With the interest, floating interest is not considered.
Assuming that Mr. Li mentioned above has a high payment level, the personal account has a balance of 150,000, and Mr. Wang himself has a low salary, and the unit pays very little, so the individual can only be less. Therefore, In the end, the personal account has only a balance of 60,000 yuan. Both of them retired at the age of 60. The number of months of is calculated based on 139 yuan. It is calculated:
Uncle Li’s personal account monthly pension = 150,000 ÷ 139≈1079 yuan. After adding the basic account pension, the total monthly pension = 6649.20 yuan + 1079 yuan = 7728.20 yuan
Uncle Wang’s personal account monthly pension = 60,000 ÷ 139≈432 yuan, and the total monthly pension = 2659.68 yuan + 432 yuan = 3091.68 yuan, which means that not everyone can reach 4,000 yuan, but not all of them are only 4,000 yuan. Some people can get seven or eight thousand yuan, and they still have to look at multiple standards.If you want to get more money in the future, young people now have to find ways to work hard to increase the payment standards and payment years, and go to big cities to participate in insurance!
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