People born in 1964 are about to enter retirement, and they have worked hard for 30 years for the prosperity and development of the country and society, and have paid a large amount of social security fees.
Today, they are looking forward to receiving their pensions and enjoying a peaceful and happy old age.
So, these friends who are about to retire, they have paid social security for 30 years, how much can they receive for their pension?
First of all, we need to understand how pensions are calculated in our country. The calculation of pension involves a number of factors, such as the number of years of individual contributions, the payment base, the cumulative amount of personal accounts, and the local average social wage.
Here, we assume that the person born in 1964 has a contribution period of 30 years, a contribution base of 100% of the average local social salary, and a cumulative amount of 30% of the contribution base in his personal account.
According to China's current pension calculation formula, pension = basic pension + personal account pension.
Among them, the basic pension = (the average social salary of the previous year + the average social salary of the previous year and the proportion of individual contributions) 2 The number of years of payment is 1%.
Personal account pension = cumulative amount of personal account number of months.
Next, we take the data of 2023 as a reference, assuming that the average social wage of the previous year is 8,000 yuan, the proportion of individual contributions is 8%, and the number of months of calculation and payment is 139 months (i.e., 1158 years).
Based on the above assumptions, we can calculate the pension of this person born in 1964:
Basic pension = (8000 + 8000 8%) 2 30 1% = 2040 yuan.
Personal account pension = accumulated amount of personal account for 139 months. Since we do not know the specific contribution of this friend, it is not possible to give a specific amount of pension in the personal account here.
However, it is certain that the amount of the pension in the personal account will definitely affect the amount of the total pension.
Based on the above calculations, we can draw a rough estimate: people born in 1964 have paid social security for 30 years, if the payment base is 100% of the local average social wage, and the cumulative amount of personal accounts is 30% of the payment base, then the pension they can receive per month is about 2040 yuan.
Of course, this amount will vary depending on the individual's specific contributions, the local average social wage, and other factors.
Finally, we would like to thank these friends who are about to retire and have made great contributions to the development of the country and society.
I hope they can enjoy peace, happiness, and quality times in their retirement.
At the same time, we also look forward to the continuous improvement of China's social security system, so that every hard-working worker can get the due reward.