Is it worthwhile for freelancers/kloc-to continue to pay endowment insurance after 0/5 years?

It must be cost-effective. Endowment insurance must be paid. The pension is divided into two parts, one part comes from the basic pension as a whole and the personal account pension; The other part is the money in the personal account, which is also the accumulation of 8% of individual contributions, which is both an inheritable part.

How to calculate the money in the personal pension account? Where can I check?

Social security account = personal medical insurance account+personal pension account

This is a historical summary of individual medical insurance accounts and pension accounts.

This is a breakdown of the five risks recorded every month.

Monthly account details of individual medical insurance account and individual pension account.

Pension base, regional differences, local average wages, and the proportion of pension into personal pension account all affect your personal pension account and future pension.

Bian Xiao suggested that you download an application "Cha Yue Social Security" to check the amount and benefits of your social security account.

Jong Li, a Ministry of Human Resources and Social Security, said at a news conference that the balance of the personal account of the deceased insured person can be inherited according to law, whether he is on the job or receiving basic old-age insurance benefits. That is to say, China's basic old-age insurance not only follows the law of large number of social insurance, but also embodies the principle of overall planning and mutual assistance. The state bears the risk of longevity and inherits the balance of personal accounts, so there is no case that the pension is confiscated after death.

In the process of China's transition from planned economy to market economy, the old-age insurance system in China has also changed from government to individual, enterprise and finance. But who will bear the cost of transformation? This question was vague from the beginning.

(A) to achieve the unity and fairness of the old-age insurance system.

(2) Strengthen institutional incentives and move from "full system coverage" to "full population coverage" as soon as possible.

(3) Whether it is a public institution or a private enterprise, everyone needs to pay a pension!

Because when you are 60 years old, you will basically receive 20 years of pension and medical insurance benefits.

-Don't say that the pension is only one month (Beijing's minimum pension has exceeded 3,000 this year, with an annual increase of 6-7%)

-Don't say that I can't live to 60 years old at all (life expectancy in China has reached 76 years).

-Don't say that the smog is so serious now, who will live so long (life expectancy in China is nearly 20 years higher than 30 years ago).

We should understand that pension is a kind of economic security when people reach a certain age and can't take part in labor.

However, no matter where the reform of the model goes, it should be in the same direction: at least let each of us know how much money is in our account.

Today I will teach you how to calculate your pension and what determines your pension.

Retirement pension = basic pension+transitional pension+personal account pension.

=J+G+R

Several factors affect pensions!

The personal pension base (there is a big gap between the contribution ratio of this institution and individual contributions) is directly related to the future pension amount, which is why people in general institutions and institutions will get a lot of pensions after retirement, because the pension base is 10000, and the monthly contribution base is 3000, with a difference of 2000. Of course, according to the calculation formula, the longer the payment time, the more pensions you will receive in the future. The average wage level of a city where an individual lives or receives a pension is closely related to the local per capita income level. The higher the per capita income, the higher the tax, and the more pensions are paid. Generally, the minimum pension for first-tier cities in China is more than RMB 1000 per month in third-and fourth-tier cities. The population of local cities is aging, and the average age of Shenzhen VS Beijing and Shenzhen is the lowest in China. Therefore, Shenzhen only needs to pay more than 800 social security fees a month, while Beijing has to pay more than10.3 million and Shanghai has to pay more than10.4 million. Of course, as an immigrant city, young people working in Shenzhen don't need to raise too many old people. Proportion of individual pension accounts; 8% in Beijing is stipulated by the local social security bureau, ranging from 5- 10% nationwide. The more former employees enter individual pension accounts, the more disposable pensions will be in the future.

Cha Yue Social Security can help users to query and calculate pensions at present.

Place of insurance

Distance from retirement age

Distance 15 retirement years

Estimated local average salary at retirement.

Expect to receive a monthly pension after retirement.

Commercial rate of return

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