February** Dynamic Incentive Program
Since ancient times, no one has been old, and the pension has to rely on social security. ”
Social security is a fee that every migrant worker must pay, and it is also an important income after our retirement**.
But you know what? The payment base and the number of years of social security contributions will directly affect how much pension you can receive after retirement.
Moreover, in different regions, the payment standard of social security and the level of pension payment are also different.
So if you pay social security for 15 years according to the "lowest" payment standard, how much pension can you get every month after you retire at the age of 60?
The aging of the population is becoming more and more serious, and pension is a hot topic.
In order to ensure the life of the elderly, many children will guide and help the elderly to pay social security through formal channels, so that they can sit at home after retirement, and the money will come from the sky.
What's more, at a young age, they have already begun to plan their own pension plans, check information, consult experts, and ensure that they have something to rely on in their old age.
Social security is divided into two categories: occupational social security and commercial social security.
1.Occupational social security
Occupational social security is for employees who work in enterprisesThe company pays social security for them to ensure the basic life of employees after retirement.
Enterprises pay a certain percentage of pension insurance fees for employees, and employees can receive corresponding pensions after retirement, and 50% of contemporary "workers" have paid social security according to statistics, which can be described as a general stream of pensions.
Occupational social security is led by the state, safe and reliable, and the payment amount is low, which most people can afford, and will not cause pressure on social security payment.
However, the amount of professional social security issued after retirement is relatively not too much, and it can only meet the basic survival.
However, for some people with high quality of life, it is difficult to meet the normal needs of lifeIt can only be the icing on the cake when the retiree has a retirement salary or has saved a sum of money on his own.
2.Commercial social security
Commercial social security is chosen by the purchaser according to his own needs and economic affordability, and it is up to him to decide whether to buy or not, or how much to buy.
The more money you pay, the more pension money you will get after retirement, and the longer you pay, the more pensions you will have, which can meet the needs of people with high quality of life.
But for some low-income people, there is pressure to payMoreover, individuals need to be cautious when purchasing, commercial social security is a commercial behavior, not led by the state, and it is necessary to consider risks and beware of fraud.
The aging of the population is serious, and social security pension is of great significance.
Social security pension has become an important part of the social security system in today's societyIt plays an important role in ensuring the basic life of the elderly and promoting the harmonious development and stability of society.
A sound social security pension system can effectively alleviate the pressure of contemporary young people to support their families, and can also alleviate the hardship of the elderly who have no place to rely on them, and can also alleviate the worries of some people who have no children to support the elderly, and benefit the people.
The benefits of social security pension are as follows:
Social security pension can provide the elderly with a stable economy and maintain basic living needs;
It can improve the quality of life of the elderly and allow them to enjoy their old age in peace;
The burden on young people is weakened, and the mental pressure is reduced;
social harmony and improved people's happiness;
Provide jobs, young people can devote themselves to the pension and social security industry, and create a good pension environment for the current elderly and their future self;
The aging of the population is serious, so how serious is it?
Some experts speculate that according to the current development trend, by 2035, the number of elderly people aged 60 and above in China will exceed 400 millionChina speaks of a population of 1.4 billion, and the elderly account for more than 30%.
It also means that if there is a four-person line, there must be a retiree, and the pension will be a huge pressure on the country, society and even every family.
And the times are changing rapidly, maybe when this generation of young people gets old,Pension is another situation, which may get better or worse.
Therefore, no matter what age group of people, we should plan for retirement in advanceIt is not only for the happy life of his old age, but also for the sake of family happiness and social harmony.
Regarding social security pension, different people have different needs and financial affordabilityWe need to take into account our salary, the amount of savings, job stability, family factors, and age.
For low-income people, if they are employed in a company, the company will help them pay social security and maintain a basic livelihood after retirement.
High-income people, in addition to the social security paid by enterprises, can buy social security on their own to contribute to their old age.
Everyone knows social security, but how to pay social security?
Social security, that is, social security, is an important system implemented in China in order to ensure the basic living needs of the people and maintain social stability.
As we all know, social security plays a vital role in our livesHowever, the specific details of how to pay social security may not be very clear to everyone.
1.Pension insurance
Pension insurance is a long-term savings insurance product, and you can think of it as a "small treasury" in the future, providing you with a stable pension income when you are old.
Participating in pension insurance is like saving an economically secure "pension" for your future self.
2.Pension**
Pension ** is an investment-based insurance product, and when participating in this project, you need to know some knowledge about financial products such as investment** and bonds.
If you know anything about it, it might be a good choice. But if you don't know anything about investing, it's better to be cautious and don't buy blindly.
3.Pension financial products
Pension wealth management products are low-risk and high-yield trust products, which are suitable for those who are not willing to take too much risk, but want to obtain higher returns. For those who want to manage your finances steadily, this option may be more suitable.
4.Pension trusts
Pension trust is a high-risk and high-return trust product. So be cautious when thinking about it. For people with a low risk tolerance, it's best to think twice.
Regarding the purchase of these products, it is best to have a professional to introduce and explain, remember not to buy blindly.
Especially for older people, it is best to consult with your children or other professionals before making a purchase to prevent unacceptable risks or financial losses due to the wrong purchase.
Social security is a system that provides financial security for our future, and participating in it requires rational thinking and choosing the right way for your situation.
With reasonable social security arrangements, we can meet our future life with more peace of mind.
The pension of enterprise employees consists of "basic pension" and "personal account pension".
Basic pension = the average monthly salary of local on-the-job employees in the previous year at the time of retirement of the insured person (1 + average monthly contribution wage index) 2 1% of the payment period;
Personal account pension = the cumulative amount of personal account savings at the time of retirement of the insured person The number of months corresponding to his retirement age.
Some friends also have a "transitional pension", which is calculated differently from place to place.
As can be seen from the calculation formula, the level of the basic pension depends on the average contribution index and the number of years of contribution of the individual.
If the average contributory wage index is higher, the longer the contribution period, the higher the pension. The level of the average individual contribution wage index is related to the level of the contribution base and the length of the payment period.
To put it simply, the higher the contribution base and the longer the payment period, the higher the basic pension.
The level of the personal account pension depends on the accumulated savings in the personal account and the retirement age.
For example, if a male employee retires at the age of 60, the number of months of payment is 139 months. Female employees retire at the age of 50 in production and service positions, and the number of months of payment is 195 months.
Female employees retire at the age of 55 for management and technical positions, and the number of months is 170 months. That is to say, the more accumulated savings in the personal account, the older the retirement age, and the more pension the personal account.
Assuming that the annual payment is 6,000 yuan, then it means that you have to pay 500 yuan every month.
For enterprise employees, the payment ratio is 8%, 500,500 8% = 6250 a month, which means that the payment grade is 6250 yuan.
For freelancers, the payment ratio is 20%, and 500 yuan is paid a month, which is basically the lowest payment grade, which means that the payment base: 500 02=2500 yuan.
The minimum payment grade is usually 60% of the average salary of on-the-job employees, and the average salary of local on-the-job employees is 4166$7.
For employees of enterprises, the personal payment grade is 6,250 yuan, and if they pay for 15 years and retire at the age of 60:
Calculation of the basic pension: (4166.)7+4166.7 * Payment Index 15) 2 * payment period 15 * 1% = 781$3.
Calculate personal account pension: 6250 * 8% * 12 months * 15 years The number of months is 139 = 647$5.
Calculation of personal pension: basic pension plus personal account pension: 7813+647.5=1428.$8.
For freelancers, the average salary for a local job is 41667 yuan, the individual payment grade is 2500 yuan, pay for 15 years, retirement at the age of 60:
Calculation of the basic pension: (4166.)7+4166.7 * Contribution index 06) 2 * payment period 15 * 1% = 500004 yuan.
Calculate personal account pension: 2500 * 8% * 12 months * 15 years The number of months is 139 = 258993 yuan.
Calculation of personal pension: basic pension plus personal account pension: 500004+258.993=758.997 yuan.
After calculation, it can be found that personal pensions can only meet the normal life of some people, and most people do not have enough money.
What's more, people are prone to illness when they are old, and hospitalization is a big expense, so how can individuals increase their pensions?
Increase the number of years and grades of contributions, by calculating the higher the level of individual contributions, the higher the pension will be significantly higher.
Pension insurance will adjust the basic pension of retirees from May to August every year, and increase personal treatment according to the fixed adjustment, linked adjustment and inclined adjustment.
Every year, it will increase by as little as 70 or 80 yuan per month, and as much as 2 or 300 yuan, and after the age of 80, the monthly pension will be at least 3 or 4 thousand.
Companies such as state-owned enterprises and banks usually insure employees with enterprise annuities, which can be received on a monthly basis when they retire; Institutions and institutions usually have occupational pensions.
If an individual does not have other fixed income and the ability to pay allows it, he or she can consider applying for commercial pension insurance in advance, and choose to start receiving a fixed annuity at the age of 55 or 60 for life.
For example, at the age of 30, you will pay 30,000 yuan a year, pay for 3 years, and receive 14,670 yuan per year at the age of 60, which is equivalent to 1,222 yuan per month as a supplement to social security.
Mo Dao mulberry night, for the sun is still full of sky. ”The development of the cause of the elderly and the construction of pension services have only a starting point, not an end. If there are old people in every family, everyone will get old.
It is a practical issue to enable the elderly to live out their old age in a healthy and happy manner. Social security for the elderly, benefiting all people, may we understand social security, pay on demand, and be happy in old age.