With the continuous development of China's social economy, the old-age insurance system is constantly improving, providing basic old-age security for the broad masses of the people. One of the topics of concern for the insured is how much pension they will receive after retirement. Especially in the case of social security contributions according to the "lowest level", how to ensure retirement life after 15 years of contributions? In this article, I will analyze this issue for you from the perspective of readers and talk about my views.
We need to understand that the amount of pension is related to a number of factors. Paying according to the "lowest grade" of social security means that the insured pays pension insurance according to a lower standard during employment. In this case, the pension after retirement is mainly composed of two parts: the basic pension and the pension of the personal account.
The calculation formula of the basic pension is: the average monthly salary of the local employee in the previous year at the time of retirement (1 + the average contribution index of the person) 2 and the payment period 1%. Among them, the average contribution index refers to the ratio of the insured person's contribution salary over the years to the average monthly wage of local employees. Due to the fact that the contribution is made according to the lowest bracket, the contribution salary is relatively low, so the basic pension is also relatively small.
The formula for calculating the personal account pension is: the number of months of calculation and issuance of the personal account deposit. The amount deposited in the personal account refers to the amount deposited in the social insurance personal account according to the proportion of contributions made by the insured during his or her employment. According to the lowest level of contributions, the amount of personal account savings is relatively small, so the personal pension is also relatively low.
According to the "lowest grade" social security payment, after 15 years of retirement after paying contributions, how much pension can I receive every month? Taking a certain region as an example, assuming that the average monthly salary of local employees in the previous year is 5,000 yuan, and the average contribution index of the insured is 06. The payment period is 15 years, and the personal account storage amount is 30,000 yuan. According to the above calculation formula, the basic pension is about 750 yuan, and the personal account pension is about 400 yuan. Therefore, the total monthly pension is about 1,150 yuan.
From my point of view, the pension received after retirement is indeed lower after 15 years of social security contributions according to the "lowest level". In this case, in order to ensure a basic retirement life, you may also need to rely on other ways to supplement your retirement income, such as personal savings, investment or enterprise annuity. In addition, raising the level of social security contributions and increasing the amount of personal account savings is also a way to improve the level of pension after retirement.
We should also see that in the process of continuous improvement of China's social security system, the importance of old-age security is increasing. In the future, with the reform and improvement of the pension insurance system, it is expected to further improve the pension level of the insured.
I'd like to hear what you think. Do you think that according to the "lowest level" social security contributions for 15 years, the monthly pension of 1,150 yuan after retirement is enough to ensure basic life? What other ways do you think you can increase your pension after retirement? Welcome to leave a message below the article to discuss.
According to the "lowest grade" social security contributions for 15 years, the level of pension after retirement is relatively low. In the current social environment, the majority of insured people should pay attention to their own pension security issues, and supplement their pension income through a variety of ways to ensure the basic quality of life after retirement. At the same time, we should also continue to increase the reform of the old-age security system, improve the pension level of the insured, so that more people can enjoy the dividends brought by social development.