In the face of pension, most people may have such a problem:
Social security is paid every month every year, but after paying for so long and investing so much money, how much pension can you receive when you retire?
In addition, this money will not be received until decades later, and how much will it depreciate? In other words, how much money do you need to receive in the future to provide for a stable retirement?
Today, I will share with you how to use official tools to calculate the future pension, and how to judge the future purchasing power of this money, to help you make pension planning easier.
The main contents are as follows:
After paying social security for more than ten years, how much can I get when I retire?
How much is the pension enough? A simple judgment.
With a two-pronged approach, it is not difficult to earn more than 10,000 yuan a month in retirement.
Pension planning can be roughly divided into 3 steps:First look at how much money you can receive, then see if the money is enough, and if it is not enough, then make up the gap.
Let's talk about the first step, how much money can I get when I retire? Considering that the main ** of everyone's pension is social security, we will first use official tools to calculate:
Take 40-year-old Ms. Wang as an example, she has been working since she was 21 years old, has paid social security for 19 years, accumulated a balance of 150,000 yuan in her personal account, and paid according to the minimum base every month until retirement.
In the end, it was calculated that if you retire at the age of 55, you will have a pension of 5,795 yuan.
It is assumed that the growth rate of social average wages, the increase in the contribution base, and the interest rate of personal account bookkeeping are all 3%)
Of course, everyone's situation is different, and the retirement treatment must be different, if you want to simulate your own retirement situation, you can refer to the following tutorial:
Open the pension calculation applet of the *** client, which can calculate the pension of enterprise employees and flexible employees;
Taking enterprise employees as an example, we can fill in the following information according to our own situation:
Most of the information can be filled in directly, and only a few values need to be checked manually.
One is the actual payment period, and the other is the amount of personal account storage at the end of the previous year, which can be queried online through WeChat, Alipay, etc.
Take Weixin as an example: in the "City Service", click on Social Security - Social Security Inquiry - Personal Insurance Information Query, and you can see it.
Finally, the average salary of the city where you are located, you can check the latest data on the official WeChat account of the local social security bureau, or contact the local 12333.
Based on the above information, we can simulate the pension that will be received in the future, of course, it is not necessarily accurate, and can only be used as a rough reference.
Generally speaking, the higher the payment base, the longer the tenure, and the more developed the city, the higher the pension will be; But in life, many friends may stop paying, or the company pays us according to the minimum base, and the final pension is ugly.
For example, in Shenzhen, if you pay according to the minimum base, only one or two hundred yuan per month will enter the personal account, and after paying social security for 30 years, you may only get three or four thousand yuan when you retire.
In addition, money will continue to depreciate, many friends are worried that it will not be enough in the future, but they don't know how much pension is enough, what should I do? Read on.
To measure whether the pension is enough, you can use two methods, one is to calculate the pension replacement rate, for example, the pre-retirement salary is 10,000, the pension is 5,000, and the replacement rate is 50%.
Internationally, it is generally believed that in order to maintain the quality of life before retirement, the replacement rate must be at least 70%; Once the replacement rate falls below 55%, the quality of life will decline significantly.
However, this method is more complicated, in addition to estimating future pensions, you also have to estimate how much you will earn before retirement.
For convenience, we can also use the second method: estimating the purchasing power of pensions in the future through inflation.
The specific calculation is also very simple, for example, we are 40 years old this year, and we have just simulated the retirement situation at the age of 60, and calculated that there is a pension of 5,000 yuan per month
If the average annual inflation rate is 1%: 20 years later, this money will be worth 4,098 yuan now, and the purchasing power will be about 82%;
If the average annual inflation rate is 2%: 20 years later, this money will be worth 3,365 yuan now, and the purchasing power will be about 67%;
If the average annual inflation rate is 3%: 20 years later, this money will be worth 2,768 yuan now, and the purchasing power will be about 55%;
You can open the calculator, use the pension you measured, find an inflation rate that you think is more appropriate, multiply it by the corresponding percentage, and you can know what the future purchasing power of this money is.
For example, if the estimated pension is 6800 and the future inflation rate is about 2%, then 20 years later, the purchasing power of this money will be about 6800 67% = 4556 yuan.
But no one can say what the future inflation situation will be, so when we plan to retire, if the economic conditions allow,It is recommended to plan as high as possible, so that the fault tolerance rate will be higher in the future
For example, if the pension is more than 10,000 yuan, even if the annual inflation is 3%, it will still be worth 5,537 yuan in 20 years, and the quality of life will be relatively guaranteed.
Of course, you can also set it according to your own needs, but in order to facilitate the calculation, let's take this goal of more than 10,000 as an example to share how to fill the gap.
Still taking Ms. Wang, who is 40 years old at the beginning, as an example, she measured out that the pension is only 5,795 yuan, and if you want to make a monthly retirement income of more than 10,000 yuan, there is still a gap of 4,205 yuan.
How to make up? You can start from the two aspects of social security and commercial annuity insurance, and look at them separately.
1. Social security
If you want to increase the pension of employees, there are two main measuresThe first is to increase the payment base, and the second is to extend the payment period.
The effect of increasing the contribution base is average, even if it is increased to 10,000, it is expected that the retirement at the age of 55 will be less than 7,000; And if you are an office worker, it is difficult to adjust the base casually.
The effect of extending the payment period is better, and it happens that this year's "gradual delayed retirement" is also in a uproar, and it is rumored that the retirement age of women who are 40 years old this year will be postponed to 59 years old......
Assuming that these things really happen in the future, Ms. Wang will continue to pay social security until the age of 59, and other factors remain unchanged, and the pension will be increased to 7,659 yuan.
2. Commercial insurance
The social security pension has been increased, and the gap is even smaller, and Ms. Wang can achieve a monthly retirement income of more than 10,000 yuan by supplementing 2,341 yuan per month.
At this time, we can consider using commercial annuity insurance, which is very similar to social security, and can also receive money on a monthly basisLive to be old and get old.
The security is also very high, and the operation of insurance companies is supervised by the Financial Regulatory Bureau, which is not easy to go bankrupt; Even if we go bankrupt, the policy is protected by the Insurance Act, which will ensure that our rights and interests will not be affected.
Next, let's use a product to demonstrate how to make up for Ms. Wang's gap of more than 2,000.
It can be seen that different solutions can eventually fill the gap of more than 2,000 per month, but each has its own advantages and disadvantages, such as:
One-time clearance, the capital requirements are higher, but the total investment amount is less, and the early income is higher; If you buy it in installments, the pressure of paying the fee will be less, but the total investment will be more.
Like Ms. Wang, she finally chose option 1, because she felt that the annual pressure on this fee was very small, and she could get it for more than 2,000 per month, and she could receive it soon after the payment, and the later income was high.
You can flexibly choose the product or program that suits you according to your needs, income, future money plan, etcClick on the card belowMake an appointment with a planner and let them customize your plan.
In addition, many friends may not knowThe earlier you plan for annuity insurance, the more money you can saveFor example, according to the above scheme two, you want to achieve the same effect:
Buy at the age of 30: As long as you invest 40,000 yuan per year, you can save 90,000 yuan compared with buying at the age of 40;
Buy at the age of 35: as long as you invest 470,000 yuan, which can save 40,000 yuan compared to buying at the age of 40;
Other payment plans are similar, early planning, can achieve the pension goal with less money.
Of course, the above retirement planning is just an example, you can flexibly judge how much pension you have prepared according to your own situation, whether you need to make up for the gap, etc.
Retirement seems to be out of reach, but it is extremely determined, and one step at a time is coming to us. No one can be young forever, no one can keep struggling, what we can do is to prepare early and prepare more.
These preparations, including every planning done and every social security paid, are actually our bullets to the future, with the purpose of "supporting" our elderly and powerless self.
If you have any questions about the above, you canClick the card aboveMake an appointment with a professional teacher for a one-on-one consultation.