In recent years, due to the continuous increase in the payment base, the payment burden of flexible employment personnel pension insurance is getting higher and higher. However, pension insurance for flexible employment personnel is indeed a very cost-effective pension insurance. Under appropriate circumstances, you can get 1 million yuan after paying pension insurance for 15 years. What is this situation? Let's explain carefully.
participate in pension insurance payment.
Now participate in the pension insurance for flexible employment personnel, and you can freely choose the payment base. The basic principle is to pay more more and get more more.
In order to save money, most people choose to pay for the lower limit of the payment base, which is relatively lighter.
Like Shandong Province's payment base in 2022 is 3980 yuan, and the payment ratio for flexible employment personnel is 20%, so it is required to pay 796 yuan per month, which is about 9552 yuan a year.
Calculation formula for paying pension insurance to receive pension.
basic pension calculation formula is currently unified by the state, mainly consisting of two parts: basic pension and personal account pension .
Basic pension is calculated by several factors such as the average social salary in the previous year of retirement (now generally referred to as the pension base for that year, 7182.5 yuan in 2022), my average payment index, and payment years.
Generally speaking, pay according to a 60% base, and the basic pension can receive a 12% pension base. Assuming that the pension base issuance increases by 4% every year and retires after paying for 15 years, the pension base issuance of will become 12,900 yuan , so the basic pension can be collected 1,548 yuan per month.
Personal Account Pension , which is equal to the balance of the pension insurance personal account divided by determined by the retirement age and counted for the number of months .
is now paid at a base of 3980 yuan, and a personal account accumulated by 318.4 yuan per month, and a year is 3820.8 yuan. Assuming that this money grows at 4% every year (in fact, in recent years, the interest rate of in the personal account of pension insurance accounts is as high as 6% to 8%, and 4% is already relatively conservative), this money will rise to about 6,900 yuan in 15 years. Assuming that such a money can be formed in 15 years, the personal account can accumulate 103,500 yuan.
Assuming that he retires at the age of 50, he will be paid for 195 months and can receive a personal account pension of 530 yuan per month. The pension of
is added together, and the monthly salary is about 2,080 yuan, which is 24,960 yuan per year. Even if you consider that the pension remains unchanged, you can receive a total of 1 million yuan in 40 years, but the reality is that the pension will increase every year.
2022 Shandong Province pension adjustment plan is as follows:
pension adjustment is mainly carried out through three methods: quota adjustment, linkage adjustment, and appropriate tilt . The quota adjustment is to increase the same amount of money for everyone. The link adjustment is divided into links based on the payment period and the pension level, and there is also preferential care for the elderly. Especially for Shandong Province, for the elderly who were over 70, 75 and 80 years old in the previous year, each person will add an additional monthly basic pension of 290 yuan, 190 yuan and 360 yuan. Generally speaking, the pension increase of elderly people with short payment years and low pension benefits will be higher than the average growth rate.
Assuming that the pension increases by 5% every year, the initial pension will be 25,000 yuan per year, and the pension will be able to receive 1.19 million yuan in 25 years. In fact, according to the regulations of Shandong Province, a winter heating subsidy of 1,700 yuan will be issued in October each year, and 42,500 yuan can be accumulated. In addition, the insured person can also receive funeral subsidies and pensions for the per capita disposable income of urban residents in the province where he lives for 11 months.
So, if you participate in pension insurance now, if you have received pensions for more than 20 years, the cumulative amount of money you receive can exceed 1 million yuan. At that time, the retired people were in their seventies or eighties. Do you think this kind of insurance is cost-effective? #Crowd talk about health care·Reunion season#
