The difference between social security and savings
Deposits
At the age of 35, he started saving money.
By the age of 50, a total of 15 years, save 10,000 yuan a year.
The total principal and interest are about 180,000 yuan.
Start using it after retirement at the age of 50 and live to the age of 80.
Total 30 years, 180,000 30 years = 6,000 years.
6000 yuan 12 months = 500 months.
Social security
Contributions start at the age of 35 for 15 consecutive years.
Social security is 791 yuan per month.
791 yuan x 12 months = 9492 yuan per year.
9492 yuan x 15 years = 142380
Retirement salary: 2160 yuan per month + subsidy 2800 years.
Retirement 2160 yuan x 12 months x 30 years = 777600
The subsidy is 2,800 yuan x 30 years = 84,000
Total collar: 777600 + 84000 = 861600
The difference between 15 years, 20 years, and 25 years of social security contributions
Insured for 15 years
Basic pension = 5865x (1 + 0..)6)÷2x15x1%=703.8 yuan personal pension = 5863 x 8% x 12 (month) x 15 (year) 139 = 607$5.
Total 1311$3.
Insured for 20 years
Basic pension = 5865x (1 + 0..)6)÷2x20x1%=938.$4.
Personal pension = 5865 x 8% x 12 (month) x 20 (year) 139 = 810$1.
Total 1748$5.
Insured for 25 years
Basic pension = 5865x (1 + 0..)6) 2x25x1%=1173 RMB.
Personal pension = 5863 x 8% x 12 (month) x 25 (year) 139 = 10126 yuan.
Total 21856 yuan.
Social security contributions for 15, 20 or 25 years
Xiaomei: Pay social security at the age of 35 and pay for 15 years.
Xiao Tao: Pay social security from the age of 30 and pay for 20 years.
Xiaoyun: Pay social security at the age of 25 and pay for 25 years.
Hypothesis: The average monthly salary of all three people is 6000
The salary for three people is also 6,000, and the contribution base is 100%.
The proportion of unit payment is 16%, and the proportion of individual payment is 8%.
If the three retire at the age of 50 at the same age, what is the difference in pension?
How much is the difference in the basic pension
Monthly basic pension = local average monthly salary x (1 + average individual contribution index) 2 x payment period x 1%.
Xiaomei] basic pension = 6000x(1+1) 2x15x1%=900
Xiao Tao] basic pension = 6000x(1+1) 2x20x1%=1200 [Xiaoyun] basic pension = 6000x(1+1) 2x25x1%=1500
The number of years of payment has been increased, and the basic pension has been increased in the same proportion.
How much is the difference in the total pension
Total pension = basic pension + personal pension.
Xiaomei] paid a total pension for 15 years = 900 + 443 = 13431 months.
Xiao Tao] paid for 20 years of total pension = 1200 + 591 = 17911 months.
Xiaoyun] paid a total pension for 25 years = 1500 + 738 = 22381 months.
The difference between social security payment for 15 years and 25 years is 895 per month, and the difference is 10,740 per year.
Assuming that you live to the age of 80, you will receive 32 less than 25 years after 15 years20 thousand.
Pay more for 10 years, pay a total of 60,000 more, retire 320,000 more, 5 times the rate of return is not bad.
How much is the difference in personal account pensions
Personal account pension = personal account savings The number of months corresponding to the retirement age ps: retirement at the age of 50, the corresponding number of months is 195
Xiaomei] personal pension = 6000x8% x12x15 195 = 443
Small peach] personal pension = 6000x8% x12x20 195 = 591
Xiaoyun] personal pension = 6000x8% x12x25 195 = 738
For the convenience of calculation, it is assumed that the account interest rate is 0, the payment period increases, and the basic pension increases in the same proportion.