1. Calculation method of basic pension.
The calculation method of the basic pension is generally determined according to factors such as the individual's payment period, payment base, personal account savings, retirement age, retirement time and the average monthly salary of employees on the job in the previous year. In China, the basic pension is calculated as follows: basic pension = basic pension + personal account pension + transitional pension.
1.Basic pension = (average monthly salary of employees on the job in the previous year + average monthly indexed salary of the employee) 2 1% of the payment period. Among them, the indexed average monthly contribution wage = the average monthly salary of the employee and the average contribution wage index of the employee.
2.Personal account pension = personal account savings The number of months of personal account pension. The number of months of pension in the personal account is announced by ***, and it is currently corresponding to the retirement.
3.Transitional pension = average monthly salary of employees Average contribution wage index of employees Deemed payment period before the establishment of basic pension insurance personal account 12%。
2. Factors affecting the calculation of pensions.
1.Contribution period: The longer the contribution period, the more pension you will receive.
2.Contribution base: The higher the contribution base, the more pension you will receive.
3.Personal account savings: The more personal accounts you have, the more pensions you will receive.
4.Retirement age: The later you retire, the more pension you receive.
5.Time to retire: The later you retire, the more pension you will receive.
6.The average monthly salary of on-the-job employees in the previous year: the higher the average monthly salary of on-the-job employees in the previous year, the more pension they receive.
3. How to improve the calculation results of pensions.
In order to improve the calculation of pensions, individuals can take the following measures:
1.Increase the payment base: under the premise of personal economic ability, try to increase the payment base, which can increase the amount of personal account savings, and then improve the calculation results of the basic pension.
2.Extend the payment period: Extend the payment period as much as possible, which can increase the amount of personal account savings, and thus improve the calculation result of the basic pension.
3.Choose the appropriate retirement age: under the premise of personal economic ability, try to delay the retirement age, which can increase the amount of personal account savings and payment period, and then improve the calculation result of the basic pension.
4.Increase the average monthly salary of employees on the job in the previous year: The higher the average monthly salary of employees on the job in the previous year, the more pension they receive. Therefore, individuals can increase their average monthly salary of on-the-job employees in the previous year by improving their work ability and skill level, striving for higher salary packages and career development opportunities.
To sum up, this article introduces in detail the calculation method and influencing factors of the basic pension, as well as how to improve the calculation results of the pension. Individuals can take corresponding measures according to their actual situation and make reasonable plans and preparations for their own old-age security.
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