In 2024, if farmers choose to make a one-time payment of 75,000 yuan to get a pension, it is worth asking how much pension they can get each month and whether this plan is cost-effective.
First of all, we need to understand how pensions are calculated. In general, the amount of the pension consists of individual contributions, state subsidies and interest. Among them, individual contributions are one of the important factors in determining the amount of pension. Assuming that farmers pay a one-time payment of 75,000 yuan, we can calculate it according to some assumptions: state subsidy: assuming that the state subsidy is a subsidy rate of 5% per year, that is, a one-time subsidy of 75,000 * 5% = 3,750 yuan. Interest: Assuming that the annual interest rate is 3%, then the interest income of 75,000 yuan is 75,000 * 3% per month 12 = 187$5. Individual payment: Since it is a one-time supplementary payment of 75,000 yuan, the part of individual payment is 75,000 yuan.
Combining the above factors, we can calculate the amount of pension that can be received each month as the part of the individual contribution divided by the number of months (assuming 15 years). That is: 75,000 15 * 12 = 60,000 yuan per year, that is, 5,000 yuan per month. Next, let's see if this option is cost-effective.
First of all, a one-time payment of 75,000 yuan is a large amount, and it is necessary to consider whether there are sufficient funds. Second, the individual's life expectancy and risk tolerance need to be considered. This option may be cost-effective if farmers have a long life expectancy or want a stable pension income in the future. In addition, the impact of inflation on pensions needs to be considered. If inflation is higher in the future, the real purchasing power of pensions may decrease.
Therefore, these factors need to be taken into account when deciding whether to make a retroactive payment. To sum up, if farmers make a one-time payment of 75,000 yuan, they can get a pension of about 5,000 yuan per month. However, whether it is cost-effective or not also needs to be considered on an individual basis. This option may be cost-effective if the farmer has sufficient funds and has a long life expectancy or wants to receive a stable pension income in the future. But at the same time, the impact of inflation on pensions also needs to be taken into account.