Which pension is higher, the enterprise or the individual who paid 15 years of social security? Don't know these, you less to receive a lot of money

According to the news, in the past two years in the online fire a pair of star couple suspected pyramid scheme has attracted the attention of the majority of netizens, the people concerned, the couple set up the company, buy goods can add to the upper level of contact information, the performance of the performance of three months of sustained profits of 100,000 can establish a personal enterprise, some people believe in the truth, and finally realized that this is nothing more than their fraudulent joining fee of the pyramid scheme means. Finding a job is a two-way choice between the enterprise and the individual, must not choose the wrong way for the sake of small profits, misplaced later in life. Nowadays, everyone is paying social security, if inadvertently encountered bad enterprises, social security how to pay? In fact, you can also pay personally, then the two payment methods which pension is higher, how do we choose it, please see the following analysis for details:

1, the enterprise to pay 15 years of social security, personal payment of 15 years of social security, which pension is high?

2, the question of high and low pensions affected by what factors?

3, how do we choose?

1, the enterprise to pay 15 years of social security, individuals pay 15 years of social security, which pension is higher?

Perhaps in most people's impression of the enterprise to pay the social security pension is higher, however, whether it is the enterprise to pay or personal payment, pension formula and treatment is the same, in the payment of the same year under the premise of the same, if the enterprise to pay sixty percent of the social security, the individual can pay sixty percent of the social security, so that the enterprise and the individual to pay the result is the same

These are the same.

The formula for calculating the pension is:

1, the basic pension = (personal indexed average monthly salary + the city's average salary of the last year of active employees) ÷ 2 × the number of years of personal contributions at the time of retirement × 1%

2, the personal account pension = the amount stored in the personal account at the time of retirement ÷ the number of months of payment

Secondly, the question of how high or low the pension is affected by what factors? The question of what factors affect?

The question of whether the pension is high or low is affected by the following factors:

1. Retirement age: the number of months of the personal account of the pension will be affected by the retirement age.

2, years of contributions: the years of contributions can be specific to the month, generally every month can be converted into zero point zero eight three years.

3, the personal account of the pension interest rate: the personal account of the pension interest rate is issued by the state unified management, can not be affected by personal factors.

4, the individual annual contribution base: the individual annual contribution base is related to the average contribution index and the amount of personal account storage.

5, the average social salary in the previous year of retirement: the average salary of the whole society in the previous year will increase, the pension will also increase with it, and vice versa.

Third, how do we choose?

Enterprises pay social security compared to individuals need to pay more unemployment insurance, maternity insurance and industrial injury insurance, if you do not take into account these three, individuals bear the full cost of social security contributions, the pension insurance contribution ratio is relatively low and preferential. If the individual pays the full amount of the social security contributions, he or she pays the same amount each month and receives a similar pension at the end of the day. On the other hand, the pension follows the principle of more contributions, and if the company pays more than the individual, then it will end up being a bit more.

Four, summarize

Once we enter society, we have to consider an important question, how to pay social security? Most of the young people from ordinary families do not have the ability to personally pay social security, can only passively choose to let the enterprise to pay. In this case, we can only go to choose a reliable and can be engaged in the long-term work, do not go for immediate benefits to choose a job that they can not see the future. The ability of friends should not be treated blindly, must be consulted, choose the most suitable for their own way of payment.