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Do you want to pay social security? Is it a loss or a profit to pay social security? What should I do if the pension deficit cannot be paid out then? When will the retirement be delayed and the pension collection time be delayed? A series of problems have impacted the insured people's confidence in pensions, making the insured people very confused.
Bao Ge randomly asked more than a dozen relatives and friends of different ages and found that the older he was, the more he attached to pension insurance, the closer he was to his retirement age, and the more anxious he was about social security. Older people are worried about the interruption of payment or the period of insufficient payment, and are planning to pay for 15 years. Middle-aged people pay close attention to the details of the extension of refunds and the entry of the pension into the market. Although they are not optimistic about the actual benefits they can obtain from the pension after retirement, they are currently insisting on paying; young people often believe that pensions and even the entire five insurances and one fund are not in line with the maximization of personal interests, and they are more inclined to manage every penny they own.
For a long time, the mainstream explanation of pensions is generally "pay more and get more, pay more and encourage payment". In this way, pensions do not conflict with personal interests. However, if this statement is in the cloud, it is invisible and intangible, and no one can tell how much you can get more. Even how much pensions you can get when you retire are not accurate due to uncertainties such as economic development, rising prices, and average life expectancy.
Below, Brother Bao will take you to calculate whether it is cost-effective to pay pension insurance. Of course, the calculation below does not take into account factors such as economic development, price level, interest, etc. The calculation based on the unchanging price of , can only be a rough estimate.
Let’s first understand the calculation formula of basic pension:
Basic pension insurance is also called national basic pension insurance. It is a pension insurance system that is mandatory in accordance with the provisions of the national unified policies to ensure the basic living needs of the majority of retirees. How much pension can you receive per month after retirement is calculated according to the following formula: monthly payment = basic pension + personal account pension .
where: basic pension = (the average monthly salary of on-the-job workers in the province in the previous year + the average monthly salary of their indexed) ÷ 2× payment period × 1%.
Personal account pension = personal account storage amount ÷ Personal account pension counted for months (currently, the counted for months should be 139)
Assuming that you start to pay pension insurance at 45 years old with flexible employment personnel according to the minimum base. The average social salary in that year was 5,000 yuan, and the minimum base of payment was 5,000*60%=3,000 yuan. The payment was 60 years old, and it happened to be 15 years old. You can apply for retirement and receive pension.
Then the total amount of social insurance you paid in 15 years is:
3000*20%*12*15=108000 yuan.
The funds deposited into the personal account are:
3000*8%*12*15=43200 yuan. The funds transferred to the social security coordination fund by
3000*12%*12*15=64800 yuan.
is fine. After paying pension insurance for so many years, now I finally have a "return" and can retire and receive pensions. So how much pension can you get in a month?
Basic pension = (the average monthly salary of on-the-job workers in the province in the previous year + the average monthly salary of their indexed) ÷ 2× payment period × 1% = (5000+3000)/2*15*1% = 600 yuan.
Personal account pension = personal account storage amount ÷ personal account pension count months = 43200/139 = 310.8 yuan.
monthly pension collection amount = 600+310.8=910.8 yuan.
is really pitiful, less than one-third of the payment base, and your living standards after retirement will definitely plummet! ! How many years can I get the
? Because it is calculated based on flexible employment personnel, all the money is paid by oneself, so you cannot consider the unified account and personal account separately, and it must be calculated together.
return to this year = (total payment in 15 years/month pension)/12= (108000/910.8)/12=9.88 years.
yoyoyoyoyoyo, the time is not long. I retire at the age of 60 and can get it back at the age of 70. As long as ordinary people work hard, they can live beyond the age of 70. It seems that it is still a good deal.
So can you get more money by paying more money and get your money faster? Of course, there is no problem in paying more and receiving more money, but the return period is not certain.Please see the table below:
When the payment period is the same, the higher the payment base you choose, the lower the replacement rate, and the longer the repayment period will be.
Similarly, can you get your money back faster by increasing the payment period? Please see the table below:
It can be seen that under the same ratio of payment base, no matter how long the payment period is, the repayment period is the same, but the substitution rate of pensions is constantly increasing.
Therefore, Brother Bao reminds that as a working class, the salary level is not high. If you want to avoid significantly lowering your living standards when you are old, you should still insist on paying pension insurance and not stop paying easily, because the longer you pay, the more cost-effective it is.
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