Title: The pension account is only worth 5w for 25 years, and retirement depends on this, can you hold it?
Let's talk about this retirement account first, don't look at this number "25 years", it sounds like a long time, but in fact, it is not too long or too short on the timeline of pension insurance. After all, the minimum contribution period is also 15 years, so you are equivalent to 10 years more than the minimum standard. This means that when you retire in the future, you should theoretically have a higher level of pension benefits than those who have just met the minimum standards.
But the problem is that the pension balance of 50,000 yuan in personal accounts is actually not high, but relatively low. You must know that the calculation base of pensions has been rising, including the payment base of social security. The 50,000 yuan, to put it bluntly, is a bit unable to keep up with the pace of this era. You can imagine that the annual inflow of funds into the personal pension insurance account is close to 10,000 yuan, even if you only pay a few years of insurance, the account balance can easily exceed 50,000 yuan, or even higher.
So, the question becomes: you have paid the pension insurance for 25 years, and the total amount of the final account is only 50,000 yuan, what is going on?This figure is significantly lower than expected. The reason for this may be, on the one hand, that the contribution index of the pension insurance you participate in is relatively low, that is, in the past 25 years, it may be paid according to the minimum standard of 60% or even 40%. As a result, the average contribution index is relatively low, and the level of pension treatment in the future will not be too high.
We can simply estimate the total amount of 50,000 yuan in the personal account by dividing it by the number of months corresponding to the retirement age. For example, if you retire at the age of 60, the corresponding number of months is 139 months, and 50,000 yuan divided by 139 yuan is about 360 yuan. Of course, this is only a small part of the personal account pension, in addition to which there is a part of the personal basic pension.
However, the calculation conditions of the basic pension are relatively complicated, taking into account your cumulative contribution years, the average contribution index and the pension calculation base of the area where you retire. Although these conditions are not very clear, they can be roughly estimated. Because we already know that your personal account pension is roughly 360 yuan, the basic pension should be about three times the personal account pension, that is, about 1,000 yuan.
Coupled with the personal account pension of 360 yuan, the final possible pension treatment level should be about 1,500 yuan, which should not exceed the level of 2,000 yuan. Overall, pensions are not very high. On the one hand, it is because your contribution period is not long, and on the other hand, it is also directly related to your average contribution index.
If you want to get a higher retirement pension, you must first make sure that the total amount of personal account pension is high. This is a factor that needs to be carefully considered in this retirement planning. The overall level of the pension is not only related to the number of years of contribution, but also directly linked to the average contribution index.
All things considered, we find that the level of treatment of retirement pension is directly related to the total amount of pension in personal accounts. If you want to enjoy more pensions in your future retirement, you must first ensure that the total amount of personal account pensions is relatively high.
Speaking of which, some people may think: "How much have I paid for social security in the past 25 years?""Some people may have doubts about their social security payment grades, after all, this also directly affects the level of future pensions. If you don't do this well enough, you may not have a good time in retirement.
In general, the level of retirement pension is not out of reach, but it is necessary to plan ahead to ensure that the pension in personal accounts is relatively high, while paying attention to increasing the average contribution index. Through reasonable planning and long-term efforts, we can live a more secure and comfortable life in the future. Thank you for reading, share retirement knowledge every day, welcome to follow.