If you choose to pay a one-time pension insurance of 75,000 yuan at the age of 60, how much pension can you receive every month? If you pay 75,000 yuan at one time, then we need to pay an average of 5,000 yuan per year according to the minimum payment period of 15 years. Although the pension insurance for urban and rural residents is currently allowed to pay all the expenses at one time before the age of 60, you can directly go to retirement and enjoy the treatment of receiving a monthly pension. But there is a premise in this, that is, whether there is a payment grade you choose in your area, and whether you can make up 5,000 yuan per year, which is a key question.
Since 2019, the upper limit of payment of 2,000 yuan has been broken, and we can choose a higher standard, but in some areas, the highest standard may not be 5,000 yuan but 4,000 yuan, but in some areas, you can indeed choose a high standard of 5,000 yuan to pay. If it is possible to pay according to such a standard, there is no problem, and we will pay for 15 years at a time. There is no problem with the total amount of your personal account, which is calculated according to 75,000 yuan.
What is this concept? It is 75,000 yuan divided by the number of months corresponding to 60 years old 139 months, and the final result is about 540 yuan per month in your personal account pension, of course, this is not the whole of your pension, this is only a part, because in addition to this you also have a part of the basic pension, due to. The basic pension is different in each region, but in most regions it is less than 150 yuan. If we calculate it according to 150 yuan, about the pension you receive every month is about 690 yuan, which is less than 700 yuan.
And most of the area, in fact, is between 110 150 yuan within such a range, a small number of areas may be more than 150 yuan, for example, Shanghai basic pension can reach 1400 yuan, if you can retire in Shanghai, plus your personal account pension part, maybe your monthly pension is close to 2000 yuan, but there is only such a region in Shanghai, more than 1000 yuan of basic pension is only in Shanghai. In fact, the pension received in most areas is about six or seven hundred yuan per month.
I think six or seven hundred yuan is not a very low level, at least we have these six or seven hundred yuan is always better than no income, or a lot better, plus its own pension treatment it can be guaranteed to receive life, and every year the basic pension level of urban and rural residents, will also be improved, although the level of improvement is not very much, but it can really usher in an increase, which means that you can receive a higher pension in the future. In fact, there is no problem at all in choosing to pay a one-time payment of 75,000 yuan, as long as there are such economic conditions, then you should not choose to give up, because giving up will not enjoy any pension treatment in the future.
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