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Dear readers, many people only start to pay attention to pension issues in the middle of their careers, such as social security contributions from the age of 48. So, if you start paying at this age, how much pension can you actually receive when you retire? This article will explain this in detail.
First of all, we need to understand that the current legal retirement age is 60 years old. If you start paying social security at the age of 48 and only have 12 years to pay by the age of 60, this is not enough to meet the minimum 15-year pension contribution requirement. This means that you may need to delay retirement and continue to contribute until age 63 to meet this minimum standard.
For the monthly social security contribution, including endowment insurance and medical insurance, it is about 1,200 yuan. This figure is usually based on the standard of employee insurance contributions for flexible employment, and may gradually increase over time. In fact, the annual contribution of an individual increases by about 5 to 10 per cent depending on the change in the contribution base.
Let's do the math. According to the current standard, if you pay 60% of the minimum average contribution index, and use 15 years as the basis for calculation, then the pension you can get at the beginning of retirement will be less than 1,200 yuan in most areas, and a few areas may be slightly higher, but usually not more than 1,500 yuan. However, as you increase the number of years you have paid and the annual increase in your contribution base, it is clear that your pension at retirement will be higher. By the time you actually retire, even according to conservative estimates, the initial pension may be more than 1,800 yuan, or even more than 2,000 yuan. However, it should be noted that the price level is also **, which will have an impact on the real purchasing power of pensions.
Through the above analysis, we can understand that although it is a little slow to consider the pension issue from the age of 48, as long as it is planned reasonably, it can still obtain a certain amount of economic security after retirement. Therefore, it is recommended that every working employee should plan their social security contribution plan as early as possible to lay a solid foundation for the future.
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