Whenever the salary is paid, many people feel distressed when they see that they are deducted 50,600 yuan in insurance. It is almost 10,000 yuan a year. How much money is deducted, and they still receive less than 1,000 yuan when they retire. Isn’t it too much?
In fact, everyone has ignored one thing. In addition to pension insurance, there are also medical insurance, unemployment insurance, and personal income tax. In fact, those invested in pension insurance only account for 8% of the total personal salary. If the salary is 5,000 yuan, only 400 yuan will be deducted from the personal account of pension insurance.
Please pay annually and monthly, how many years can I get the capital after retirement? I believe that most people are very concerned about this issue, so Brother Bao will analyze it below.
The mainstream publicity about pensions is "pay more and get more, pay more and encourage payment", but getting more and more does not mean that you will pay faster. On the contrary, the less and shorter you pay, the faster you will pay for your money. This also reflects that the social security system is tilted towards low-income people.
does not consider the influence of economic development, price level, interest and other factors. Below, Brother Bao made a simple estimate of the pension return period based on the unchanged price of :
From the table, it can be seen that the capital can be repaid in the fastest payment of 9.88 years according to the minimum base, and the capital can be repaid in the fastest payment of 14.73 years according to the highest base. Pay on the same base, and the payment time will have no impact on the return period.
Flexible employers need to pay all of them themselves, which has a high cost and a long time to pay back, but in general, it will not exceed 15 years. Women retire early and have a lower monthly pension, so they will pay back longer. Have you seen
? Even if you have no unit for life, you will pay for 30 years by yourself, and the repayment period will be 15 years. In other words, social security is really a super profitable investment~
