Kunpeng Project
Pay 200 yuan a year, how much can you get for 15 years? What is the best way to pay a fee?
New rural insurance is 200 yuan a year, how much can I get in 15 years? How can I most effectively determine my payment limit? With the rapid development of the agricultural economy and the continuous increase of farmers' income, the social pension security ("new rural insurance") has received extensive attention. Among these many questions, there is a common question: if you pay 200 yuan a year, how much will you receive in 15 years? Also, how do I choose the most economical payment limit?
First, let's understand the basic concept of the new pension system. The new rural insurance system is based on the state, farmers and the state. According to the relevant laws, those who participate in social insurance must pay premiums every year according to a fixed number of years of contributions, and can only enjoy a monthly pension after reaching the statutory retirement.
If you pay 200 yuan a year, how much can you get in 15 years? The establishment of this system depends on two conditions: first, the cumulative amount of personal accounts; The second is the general income of local workers.
Consideration of the accumulated amount of personal accounts, the number of years of contributions, and the return on investment. Assuming an annual rate of return of 3% and paying 200 yuan for NCMS, after 15 years, the cumulative amount in your personal account will be 4,298 yuan.
Moreover, the average salary in the local area will have an impact on the amount of the basic pension. Generally speaking, the basic pension is adjusted according to the average salary level of the employees in the previous year, and is adjusted according to the standard stipulated by the local people. In this way, the amount of the basic pension will vary from region to region.
Combining the above two points, we can roughly estimate the amount of pension that can be obtained after 15 years with a contribution period of 200 yuan. Of course, this is only a rough estimate and does not make an exact figure.
Let's take a look at how to pick your payment limits most effectively. First of all, it should be noted that the new rural insurance is a kind of long-term investment in social security, and it is necessary to take into account future development from a long-term perspective. Therefore, when we determine the payment limit, we should not only focus on short-term inputs and outputs, but also focus on long-term benefits.
We must know where our economy is and what the economy is doing. If you have a higher salary and don't have much family pressure, then you can consider raising your premiums so that you can enjoy a higher pension. For low-income or more families, premiums can be appropriately reduced to alleviate the current financial pressure.
We must incorporate the elements of policy change. The new type of rural cooperative medical care belongs to the social security system with the state as the main body, and its payment level and welfare level have changed to a certain extent. Therefore, we also take this uncertainty into account when deciding on the payment limit.
In short, on the basis of NCMS, we should choose according to our own economic situation, future pension needs and policy changes. Only in this way can you make the right choices and make your life better in old age.