Working for 15 years, social security personal account of 60,000 yuan, how to evaluate?
For 15 years, I have had social security for 15 years. So, how much money is currently in an IRA account? In general, after 15 years of payment, the personal social security account of 60,000 yuan is not very high, but it may also be relatively low. Since there are many kinds of contribution index of pension insurance, generally in the range of 60% to 300%, if your average contribution index is always maintained at 60%, it is not high.
However, if a person's average contribution rate exceeds 100%, it means that he has more and more money in his personal account. Therefore, if you choose a different contribution index, the amount in your personal account will be affected by the change in the way you pay your personal account pension. As a result, some people's account pension levels are higher, which is actually related to their average contribution index, and the longer some people work, the lower the total amount of their personal accounts.
We often see people who have more than 30 or 40 years of work experience. And in the end, his personal account balance was less than 100,000 yuan, mainly because his average pension level was too low. In addition, this is also related to your working years, because your working years have not set up a personal account, even if your deemed working years are relatively high, but your personal account does not appear, that is, your personal amount will not be very high.
In addition, due to the relatively low social security payment base in the past, the funds that can enter the personal account every year are also very small, generally about two or three thousand yuan, so even if the pension insurance has been paid for many years, the balance of the personal account will not be too high. Theoretically, though, his pension hasn't been affected much. Finally, it is determined by our personal basic pension, which is determined by our cumulative contribution age, the average contribution index and the calculation base of the retirement pension in the region. If you meet the above requirements, your future pension will not be too small.
Therefore, there are more than 60,000 of our current personal bank cards, which is not very many. However, if we want to receive a higher retirement salary, it would be better to increase the average contribution index of individuals, but for current staff, it is not possible to increase the contribution index directly. How can this be good? I think that if you want to join the social security system, then you must join the social security system, and the annuity system in the social security system, which can only be guaranteed by the employer, is not feasible, and we can join the personal pension system. You can also get a basic pension insurance to increase your overall income after retirement.
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