A friend said that he has not participated in pension insurance in his 40s and can only pay for pension insurance for 15 years now. Many people say that if you participate in pension insurance for 15 years, you can only get more than 1,000 yuan in pension. If you want to get 5,000 yuan in pension, you don’t know what to do to achieve it?
To be honest, if you want to pay pension insurance for 15 years, you will receive a pension of 5,000 yuan. Generally speaking, there are two ways:
first, pay according to the highest base.
In fact, everyone knows that our pension insurance is to pay more and get more, and long-term payments are to pay more, but few people choose to pay at a 300% base upper limit.
In 2022, Sichuan Province's payment base limit reached 20,355 yuan, Shandong Province reached 19,899 yuan, Beijing City is 31,884 yuan, and Shanghai City is 34,188 yuan. If you pay according to this base, you may need to pay three to four thousand yuan, or even six to seven thousand yuan per month. Although the amount of payment is very high, the pension benefits are indeed very high.
According to the basic pension calculation formula, the basic pension mainly consists of two parts: basic pension and personal account pension .
basic pension part is mainly based on the payment level of one's own payment to receive a certain proportion of the average social wage of the previous year or the pension base for that year. If you pay pension insurance for 15 years based on a 300% base, you can receive 30% of the average social wage or pension basis for the previous year of retirement.
Shandong Province's pension base in 2022 is 7182.5 yuan. Even if calculated based on a 4% increase each year, it will reach more than 12,000 yuan in 15 years. In this case, the basic pension can be collected at least 3,600 yuan.
Personal Account Pension part is equal to the balance of the pension insurance personal account divided by the determined by the retirement age .
If the fee is paid according to the highest base of 19,899 yuan in Shandong Province, the personal account balance can be accumulated every month, which is about 19,100 yuan a year.
If calculated at the annual personal account accounting interest rate of 5% and the payment base also grows at a rate of 5% per year, the personal account can accumulate about 570,000 yuan in 2015 years.
Even if you are 50 years old, you can still receive a personal account pension of 2,900 yuan per month. Adding the two parts of
, the pension can reach more than 6,500 yuan .
So, in most areas of the country, pay the fee based on a 300% base for 15 years, and the pension will easily reach more than 5,000 yuan in the future.
Second, multiple pillars participate in pension security.
In fact, the pension insurance system has three pillars: the national basic pension insurance , the annuity pension security paid by units and individuals, and the personal pension accumulated by individuals. Generally speaking, these three pillars will each account for 1/3 of people's pension income in the future. If you want to receive a pension of 5,000 yuan after retirement, it would be enough for each pension benefit to reach 1,700 or 800 yuan.
Now we have established pension insurance such as occupational annuity and enterprise annuity , and more and more units participating in annuity. For example, occupational annuity is paid at 12% of the payment base, and it is a pre-tax deduction and tax collection. The personal income tax that should be paid can also accumulate and form income, which is quite good. If the annuity can be paid at a base of 7,000 yuan for 15 years, the annualized rate of return of the annuity can reach 5%, and the accumulation of annuity personal account is expected to reach about 220,000 yuan.
The country is preparing to pilot the personal pension system , and individuals pay up to 12,000 yuan a year. This 12,000 yuan can also be deducted before tax, and various investment income will be tax-free. In addition, the country also has specific pension savings deposits and tax-deferred commercial pension insurance as supplements to personal pensions. The part that is insufficient pension can be supplemented by these unlimited pension security. If the pension in a personal account is deposited 12,000 yuan per year, and if the annualized rate of return reaches 5%, it can accumulate about 260,000 yuan in 15 years.
If we can pay pension insurance based on a 100% social average base, the pension benefits after paying pension insurance can reach at least two or three thousand yuan after 15 years.
At the same time, participate in basic pension insurance, appropriate corporate annuities or occupational annuities, and participate in the personal pension system and other third pillar pension security as required. It is still very likely that you will receive a comprehensive pension benefit of 5,000 yuan after paying for 15 years.
Generally speaking, , the pension insurance system is to pay more and get more, and long-term pay more and get more. If does not have enough time to accumulate, you still need to rely on your own efforts. There is no other shortcut to .
