Wuhan heard that it's only one month since retirement. How is life?

Wuhan heard that it was only 2000 months after retirement. What about life? You have only heard of 2000 1 month. Have you heard of 65438+ 10000 January? Wuhan retired in January 65438+100000,5000, and of course 2000. It seems that everyone still lacks understanding of the process of pension calculation, so this misunderstanding will occur.

How much pension a retiree gets every month can't be just based on the personal level around him, nor can it be heard. Many times, what we hear may be true, but it may also be one-sided. We can't regard the individual as universal. We should take a split view on everything and have our own thinking ability and the ability to distinguish right from wrong. At present, China's retirement must meet two conditions: reaching the statutory retirement age and the minimum payment period of endowment insurance reaching 15. Of these two conditions, reaching the statutory retirement age is a natural factor, but the minimum payment period of old-age insurance is 15 years, which is a human factor and a decisive factor in determining our retirement pension level.

When participating in the endowment insurance for urban workers, the pension is calculated according to the basic pension and personal account pension. The sum of basic pension and personal account pension is the basic pension we should receive every month. Among them, the calculation of basic pension is mainly two indicators. First, the average monthly salary of employees in the previous year before retirement varies from place to place, which is also an important indicator reflecting the local gap; The second is the average personal contribution index salary. In fact, it is not necessary to consider the payment index, but the payment base. No matter what the payment index is, the ultimate goal should be implemented on the payment base.

For example, last year, the average monthly salary of local employees was 5,000 yuan, and the average payment index salary was 3,000 yuan, which was also the average payment base. Then the calculation of basic pension is that the average of the sum of the average monthly salary of employees in the previous year and the average salary of employee contribution index is used as the calculation base of basic pension, and 1% of basic pension is paid every year. According to the above example, the average monthly salary last year was 5,000 yuan, and the average contribution index salary was 3,000 yuan. The average value of both is 4000 yuan. The basic pension for each year of payment is 40 yuan, and the basic pension for 30 years of payment is 1.200 yuan. From this calculation, it can be seen that the level of basic pension is the most critical except the average monthly salary of local employees in the previous year. Because the average monthly salary of local employees in the previous year is fixed, the average monthly salary of employees in the previous year will remain unchanged when they retire, but the average contribution index salary will change. The higher the contribution base, the higher the average contribution index salary, and the higher the average of the two, the higher the basic pension will be.

Judging from the calculation of personal account pension, there are two main indicators, one is the balance of personal account funds, and the other is the number of months calculated. The balance of personal account funds is related to the payment period and payment base. With a high payment base and a long payment period, the balance of funds transferred to individual accounts will be higher, because when paying endowment insurance, the proportion transferred to individual accounts is 8%. 8% of RMB 3,000 is in 240 yuan every month, and 8% of RMB 5,000 is in 400 yuan every month, which is more 160 yuan. Needless to say, 8% in 20 years is quite different from 8% in 30 years. The calculated months mainly correspond to the retirement age. The older the retirement age, the smaller the corresponding calculation month and the higher the pension. The younger you are, the more months you have, and the lower your pension is.

For example, the balance of personal account funds is 6.5438+0.5 million yuan. If you retire at the age of 60, the corresponding calculated months are 654.38+0.39 months, and the monthly personal account pension is 654.38+0.079 yuan. If you retire at the age of 55, the number of months is 179 months, and the monthly personal account pension is 882 yuan; If you retire at the age of 50, the calculated number of months is 195 months, and the monthly personal account pension is 769 yuan. In the case of the same personal accounts, the personal account pension retired at the age of 55 is reduced by 197 yuan, and the personal account pension retired at the age of 50 is reduced by 3 10 yuan.

To sum up, when you retire in Wuhan, your monthly pension is 2,000 yuan or 3,000 yuan. Because everyone's payment period is different, the payment base is different, and the retirement age is different, so the pension is very different. You have heard that there are many people with a monthly pension of 2,000 yuan, including 1000 yuan and 1000 yuan, but this is not surprising. This is related to everyone's contribution. The longer the payment period, the higher the payment base and the higher the pension.

At retirement age, there must be a room. A person's monthly pension is 2000 yuan. If his wife also has a pension of 2000 yuan, it is a monthly income of 4000 yuan.

According to the daily average of two people 16 yuan's meat, fish, vegetables, eggs, rice, noodles, 3 yuan, 3 yuan, 3 yuan, 25 yuan for one day and 750 yuan for one month.

Communication fee 100 yuan, transportation fee 100 yuan, clothes 100 yuan, others 100 yuan, property management fee 300 yuan, plus moving expenses in 300 yuan.

Such a month is 1750 yuan, which comes down to 1800 yuan.

Cooking and washing clothes don't need to go out to order food, which is very compact, but it can definitely meet the needs of normal life.

If both of them are paid, they will save 2200 yuan a month.

There is no consideration for the cost of seeing a doctor and taking medicine, nor for the cost of traveling, nor for the cost of honoring the elderly above and the cost of spending on children and grandchildren below.

Living in a big city costs a little more than living in a third-and fourth-tier city.

The rich have crossed the law, and the poor have plans to be poor.

Exercise properly, don't smoke and drink less, and keep healthy. As long as there is no extra medical expenses, life can get by. After all, it is better than "the monthly income of 600 million people is less than 1000 yuan".

You are not from Wuhan. If you are in the middle of Wuhan and retire now, you are usually born in the late 1950s and early 1960s. Generally, these people have jobs in the late 1970s and 1980s. If these people have the same work experience, they usually have more than 35 years of service. These retired people will get more than 3,000 yuan, definitely not just 2,000 yuan.

Tens of thousands of retirement fees are much more ruthless.

Topic: Wuhan heard that retirement is only 2000 yuan?

I found it interesting. Pay more for old-age insurance. As an individual, if you want more, you usually have to pay more.

Life can't be listened to, and life has to go on. There are many people with high pensions in Wuhan, but you have heard that there are more than 56,000 civil servants.

The average pension in Hubei Province was 3,000 yuan in 2065, 438+08, which is already very high.

Retirement 12 years, salary of 2400, going out to do a job to subsidize the family, what do you think? Can't retreat, life is endless, and fighting is endless!

Old people born in rural areas have no pension and their children's income is low. I don't know how to live. Only at the age of 60 will there be a few rich old people. There are several good people in the countryside, not 780, who still work as usual. How many elderly people aged 7-80 go to square dance in rural areas, and how many elderly people have taken free buses? I don't know what to do with the elderly in the countryside. May I ask Professor Wang Fuzhong?

Cold salad. Use as much money as you have. If you feel that you don't have enough money, you can reach out and ask your child for it. Anyway, you should get a thousand dollars back. It's hard to talk. It is best to follow this prescription every month.

It takes a lifetime of financial and energy to raise a child so big, and it is normal to charge some interest appropriately. The premise is that your children listen to you, have a job and live well!

Of course, if you continue to smoke and drink every day after retirement and take a trip "I want to see the size of the world" from time to time, it is estimated that 1 month can't beat more than 3,000 yuan.

Then you have to retire and continue to play the heat outside. People who retire with only 2000 yuan are generally unskilled. As long as most of them are security guards and doormen, they get at least 2000 yuan more a month and work at least five days a week, which limits your travel. In this way, you should be able to get 5000 yuan a month, and your life is more than enough!

200 1 month pensions are basically retirees.

We have many such old people here, many of whom are less than 2000, and some are only 1780 1 month.

If you just eat and dress, you can live with a little savings. I'm afraid I will get sick and take medicine. Some medicines can't be reimbursed at their own expense, and life is very sad.

My neighbor, Uncle Hao, has a pension of over 1600. Taking medicine alone costs 500 to 600 a month. /kloc-living expenses of about 0/000 yuan, including personnel relations, etc. Children are also living a tight life, give them back.

Hao keeps his diet to a minimum, mainly by eating enough and buying some cheap vegetables and bean products. The most common are pickled bean curd and pickled bean curd.

Meat is only bought by cheap small fish and cooked for a day. Hao is satisfied with it. No matter how happy he is, every day he lives will earn him a day. Although his food is poor, compared with many old people without pension, he is already very satisfied.

Contented people are always happy, and happiness is also a day.

If the body is fine, that's enough.