In 2024, farmers will pay 200 yuan and 5,000 yuan per year, how much is the pension?
Farmers contribute 200 and 5,000 per year, respectively, how much pension can they receive by 2024?
Peasant endowment insurance is a social security system established by the state to ensure the basic livelihood of rural residents. Farmers can voluntarily choose different payment grades according to their economic ability and enjoy the corresponding pension treatment. So, by 2024, how much pension can farmers receive if they pay 200 yuan and 5,000 yuan a year? Let's take a closer look.
How much pension can a farmer receive with a 200 pension?
The payment standard of 200 yuan is the lowest grade of farmers' pension insurance, and it is also the lowest choice for some groups with difficulty in paying. According to the regulations, in order to receive a pension, farmers must have paid contributions for 15 years and be at least 60 years old. So, how much pension can a farmer who pays 200 yuan receive per month after retirement?
It can be said that the formula for calculating the farmer's pension is as follows.
Farmer's pension = basic pension + personal account pension.
Among them, the basic pension is the minimum standard stipulated by the state, and each region will raise the standard according to the actual situation of the region, so the amount of payment in each region is not the same. At present, the basic pension in most areas is between 100 yuan and 200 yuan, and we take 150 yuan as an example.
The personal account pension is composed of two parts: individual payment and state subsidy, and the annual payment subsidy ranges from high to low. A farmer pays 200 yuan, and the annual payment subsidy is about 30 yuan. The formula for calculating the personal account pension is as follows.
Personal Account Pension = Calculate the total amount of principal and interest stored in the personal account for the current month.
The total amount of principal and interest stored in the personal account is the sum of individual contributions and state subsidies, and the number of months of accumulation refers to the number of months from the beginning of receiving a pension to the end of life expectancy, the current standard is 139 months.
Therefore, assuming that the subscription period of the farmer friend is 15 years, and the payment standard of the farmer friend is 200 yuan, the personal account balance is about (200+30)*15=3450 yuan, and the personal account pension is 3450 139=24$82.
In short, a farmer who pays 200 will receive a monthly pension of about 150 + 2482 = 174.82 。
How much pension can a farmer who pays a 5000 pension get?
The payment of 5,000 yuan is the highest grade of farmers' pension insurance, and it is also the highest choice for some groups with better economic conditions. Under the same conditions, how much pension can a farmer who pays 5,000 yuan receive every month after retirement?
We know that a farmer who pays 5,000 yuan can get a payment subsidy of about 200 yuan per year. Therefore, assuming that the payment period of all farmers is 15 years and the payment grade is 5000 yuan, the personal account balance is about (5000+200)*15=78000 yuan, and the personal account pension is 78000 139=561$15.
In short, a farmer who pays 5000 yuan can receive a monthly pension of about 150 + 561 after retirement15 = 711.$15.
What is the difference between a farmer's pension of 200 and 5 000?
From the above analysis, it can be seen that farmers who pay 200 yuan and 5,000 yuan can receive a monthly pension of 174 after retirement82 yuan and 71115 yuan, a difference of 53633 yuan, the gap is still very big. This gap is mainly caused by the difference in personal account pensions, although the basic pension is the same.
So, what is the most economical option for a farmer who contributes 200 or 5 000? This question is to be assessed on a case-by-case basis. On the one hand, the more contributions, the higher the pension, in line with"Pay more, get more"、"Pay more for a long time"It is also an incentive and guarantee for the insured. On the other hand, the more you pay, the higher the cost you will bear, and the longer it will take to amortize the principal, which is a risk and cost to consider. Therefore, when choosing the payment grade, farmers must make a reasonable decision on the basis of fully analyzing their own economic capacity, life expectancy, survival needs and other factors.
Summary. Peasant endowment insurance is a social security system established by the state to ensure the basic livelihood of rural residents. Farmers can voluntarily choose different payment grades according to their own economic ability and enjoy the corresponding pension treatment. If a farmer pays 200 yuan and 5000 yuan a year, respectively, how much pension can he receive by 2024? Based on the results of the online survey, we can draw the following conclusions:
A farmer pays 200 and receives about 174 per month after retirement82 of pensions.
A farmer pays 5,000 and receives about 711 per month after retirement15 of pensions.
A farmer who pays 200 will receive a monthly pension of 536 after retirement33, a difference of 536 from the monthly pension that a peasant who pays 5,000 will receive after retirement33, the gap is still very large.
When choosing the payment level, farmers must make a reasonable decision based on a comprehensive analysis of their own economic capacity, life expectancy and survival needs.