The higher the payment conditions of the insured personnel, the higher the pension treatment after retirement, the higher the pension treatment after retirement, but if the payment conditions of the insured personnel are relatively low, then the pension treatment after retirement will not be too high. For example, this insured person born in 1965 will retire in February 2025, and when he goes through the retirement procedures, his personal account balance is only about 510,000 yuan, then in the case of retirement at the age of 60, his pension treatment is not too high.
It can be seen from the balance of his personal account that the contribution base of this insured person is not too high, because in the case of 32 years and 8 months of total service, his personal account balance is only 510,000 yuan, which shows that his usual payment grade is the lowest, and because his retirement place is Guangxi, in the case of a relatively low pension calculation base, his calculable pension treatment will not be too high.
According to his payment conditions, it can be calculated that his average contribution index is about 06122, the deemed payment period can only be identified as 1 year, the pension calculation base is 6629 yuan, the pension treatment of the insured person is about 2161$73.
Among them, the personal account pension has 51000 139 = 36691 yuan, the basic pension has 6629 * (1 + 0.6122）/2*32.67*1%=1745.77 yuan, the transitional pension has 6629 * 06122*1*1.2%=48.$7.
Through the above calculation, it can be seen that the advance pension of the insured person is about 2160 yuan, and after the local pension calculation base in 2025 is announced, the pension of the insured person will not reach 5000 yuan, and the maximum is only about 2300 yuan.
It can be seen that in the case of relatively low individual payment conditions, if the pension calculation base of the retirement place is also relatively low, then after the retirement procedures, the pension treatment is usually relatively low, such as the insured person born in 1965.