Recently, I saw a friend on the Internet, who was born in 1978 and has already retired, retired at the age of 45, and has a pension of 3790 yuan, do you envy such a pension? I'm not envious, why? Listen to me one by one.
This retired friend is retiring in Shanghai. He was born in 1978, started working in November 2005, and when he retired, he paid 18 years and 9 months, that is, 1875 years. His average contributory wage index is 12983。It's still a relatively good contribution index.
This retiree, let's call him Mr. Li.
Mr. Lee's monthBasic pensionThere are three parts, namely the basic pension, the personal account pension and the newly increased pension in the current year.
Mr. Li is retired in 2023, so there is$280 for the year's increased pension, this figure will change in 2024.
Mr. Lee's basic pension: 26246 yuan
Calculation: 12183*(1+1..)2983)/2*18.75*1%= 2624.6;
Mr. Lee's personal account pension: 8857 yuan;
According to the formula for calculating the personal account pension, the number of months divided by retirement at age 45 is 216 months. Then when he retired, Mr. Li's personal account totaled the following months885.7*216= 191311 yuan;
So, in the end Mr. Lee'sThe monthly basic pension is: 3790$3。This is the sum of the above three summaries.
280+2624.6+885.7 = 3790.$3
At first glance, I feel that I am retired at the age of 45, and I can get 3790The pension of 3 yuan is so enviable! However, it is important to know that the reason why Mr. Li was able to retire at the age of 45 was because he was completely incapacitated for retirement. This is very embarrassing. I'd rather work for a few more years and retire than retire at 45 because I'm incapacitated.
For Mr. Li, now that he is retired, I hope he will take good care of his body in the future. Good health is the key to everything.