With the development of society, people's attention to old-age security has gradually increased. As an important social security system, pension is related to the quality of life of everyone in their later years.
In China, the pension system is mainly divided into two parts: basic pension and personal account pension.
For most people, one of the focuses is the difference between paying a pension for 15 years and paying it for 30 years.
Below, we will analyze this issue in detail.
1. The most intuitive difference between pension payment for 15 years and payment for 30 years is the level of treatment.
According to the data of the annual report of national social insurance, taking 2020 as an example, the average basic pension of the basic pension insurance for employees of urban enterprises across the country is about 2,300 yuan per month.
According to national regulations, the longer the individual pays the fee, the higher the personal treatment.
Assuming that a person's monthly pension is 2,300 yuan, then the difference between those who have paid for 15 years and those who have paid for 30 years is very obvious when receiving pensions.
As a result, people who have paid for 30 years tend to receive higher pension benefits than those who have paid for 15 years.
This also means that long-term contributors will be able to enjoy a more financial** financial situation when they retire, thus better safeguarding their quality of life.
2. The difference between 15 years and 30 years of pension is also reflected in the personal account pension.
The income of the personal account pension depends on the amount of the individual's contributions and investment income.
Assuming that a person's annual personal account pension yield is 5%, then the personal account pension income of a person who has paid for 30 years will be much higher than that of a person who has paid for 15 years.
This means that people who have paid for 30 years will have more money when receiving a pension, which can better meet the personalized pension needs.
In China's pension system, the personal account pension is determined according to the amount of personal contributions and investment income.
As a result, people who have paid for 30 years tend to have higher returns on their personal account pensions than those who have paid for 15 years.
This also means that people who have paid for 30 years will have more economic ** when receiving pensions, which can better meet the needs of personalized pensions.
3. The difference between 15 years and 30 years of pension also involves changes in pension policies.
With the development of society and the improvement of the system, the pension policy is constantly adjusted and improved.
In this case, people who have paid for 30 years may be more likely to enjoy the benefits brought by the policy adjustment, so as to obtain more pension benefits.
Those who have paid for 15 years may be affected by policy changes, and need to pay more attention to the impact of policy adjustments on themselves.
4. The difference between 15 years and 30 years of pension also lies in the individual's psychological feelings and living conditions.
Long-term contributors tend to have more confidence and peace of mind in retirement because they have more money** and are better able to enjoy retirement.
People who have been in a relationship for 15 years may need to rely more on other ways to protect their lives, and may be more anxious and uneasy psychologically.
In general, the difference between 15 years and 30 years of pension is mainly reflected in the level of treatment, personal account pension, policy changes and personal psychological feelings.
For individuals, they should plan for the pension at an early stage, start to pay pensions as soon as possible, and strive for a longer payment period, so that they can enjoy more adequate pension treatment after retirement.
At the same time, the state and society should also increase the publicity and popularization of the pension system, improve people's awareness and understanding of the pension system, so as to better protect the needs of the people.
*From the Internet, invaded and deleted!