Author: Sister Rubik's Cube, plagiarism is prohibited, and offenders will be investigated
Typically, our basic pension is made up of two main blocks:Basic pension and personal account pension.
The monthly standard of the basic pension is calculated based on the average monthly salary of the local on-the-job employees in the previous year and the average indexed monthly contribution salary of the employee, and an additional 1% can be paid for each additional year.
The personal account pension depends on the amount of savings in our personal account and the number of months of payment.
This number of months is based on a variety of factors, such as the employee's retirement age, interest, retirement age, etc.
The length of the contribution period has a direct impact on the pension treatment. Below, let's take a look at the differences in pensions under different payment years one by one.
Paid for 15 years:For workers who have only paid social security for 15 years, although the pension after retirement can ensure basic life, the overall level is relatively low.
This is because the payment period is shorter and the accumulation of funds in personal accounts is limited, resulting in relatively low basic pensions and personal account pensions.
Paid for 20 years:Compared to 15 years, 20 years of contribution means higher pension benefits. The extra 5 years not only increase the accumulation of funds in personal accounts, but also increase the calculation base of the basic pension.
In this way, the quality of life after retirement can be improved to a certain extent.
Paid for 25 years:When the contribution period reaches 25 years, there will be a significant jump in the level of pensions.
At this time, the basic pension is already considerable, coupled with the help of personal account pension, life after retirement can be said to be more generous.
Paid for 30 years:For those workers who have insisted on paying social security for 30 years, their pension benefits after retirement are undoubtedly the most generous.
The 30-year payment period has made the personal account fully funded, and the basic pension part has also reached a high level. Such a pension is enough for workers to enjoy a comfortable and decent life after retirement.
First of all, we can appropriately increase the payment base and increase the accumulation of funds in personal accounts;
Secondly, it is also a good option to extend the payment period;
Finally, we should also pay attention to the growth of the amount of savings in the personal account to ensure the safety and growth of funds.
Through the efforts of these three aspects, we can effectively improve the level of pension after retirement.
With the continuous improvement and development of the social security system, our old-age security will be more adequate and comprehensive.
As one of the important factors affecting pension benefits, the payment period is worthy of in-depth understanding and attention of every worker.
Therefore, when planning your own pension security, you must fully consider the important factor of the payment period to ensure that you can receive enough pension after retirement to ensure your quality of life.
Let's look forward to a better era of retirement together! (If you have any different opinions, welcome to share your views in the comment area, agree and share + like + watch) List of high-quality authors