Pay old-age insurance in two countries

Generally, you have to pay 15 years, and you can enjoy the pension for life when you retire, so people who want to get the pension must start paying before you retire. If you pay less than 15 of the pension insurance at retirement age, the state will return all the 8% pension saved in your personal account to you when you retire. Where is the 2 1% paid by the company? The state has allocated 2 1% of the money paid by the unit for you to the national pension fund. According to national regulations, when refunding money, only the money withheld by the individual will be refunded, and all the money paid by the unit for him will contribute to the country. How to calculate the retirement pension? The algorithm of pension is very complicated, and the country will change the payment base once a year. If you are 30 years old now, your current payment base is 3,000 yuan. If the retirement age is 55, you must start paying the old-age insurance before you are 40. If you start paying at the age of 30 and pay for 25 years at the age of 55, you must first enjoy a pension. Secondly, if the payment base of 3,000 Yuan You in 25 years becomes 6,000 yuan, then at the age of 55, you can get the basic pension of 6,000× 20% =1.200 yuan first, which is given to you by the state. Besides, you have accumulated a lot of money in your personal account for 25 years. Only the average payment base, (3000+6000). Then you should have 4500×8% (the proportion of individual contributions to old-age insurance) × 25× 12 months = 108000 yuan in your personal account over the past 25 years. In addition to the previous 1200 yuan, you can get108000 every month. In this way, from the age of 55, you can get at least 1200+900=2 100 yuan pension every month. Of course, the national base is still rising every year, so apart from your own annual 900 yuan, you will get more money every month after retirement than 1200 yuan, and your pension will certainly increase. Therefore, the more pension insurance you pay, the better. The more you pay, the more you will enjoy after retirement, and the more money the country will get after adjusting the base every year. It is possible to pay 1000 now and get 1500 ten years later. However, no matter where you pay the social security fee, when you retire, you can only go back to your registered permanent residence and enjoy the local retirement benefits. Therefore, people who pay social security in places with high base but enjoy pensions in places with low base will suffer great losses. Why do you say that? If you worked in Nanjing when you were young, you paid social security for 20 years and then retired, but if your hukou is in Heilongjiang, you have to go back to Heilongjiang to enjoy the pension. If you have paid in Nanjing for 20 years, with an average base of 3,000, and the base of payment in Heilongjiang is only 1000 when you retire, then you can only enjoy the treatment of 1000 when you retire! This is a loss! In short, if you pay social security in a rich place and retire to a poor place to enjoy social security, you will pay a lot but enjoy very little in your life! Paying 3000 yuan may only enjoy 1000 yuan! This is a terrible thing, but there is nothing we can do. This is a national policy. So please pay attention to social security for all places with low base but high base, such as Beijing or Shanghai. Either you pay social security in the west, or you move your account to Beijing or Shanghai before you retire, otherwise you will be doing a huge loss-making business in your life. Maybe you will say that if you pay in a place with a low base, you will return to a place with a high base to enjoy high benefits when you retire. No! Do you think the labor and social security departments just let you enjoy it? Under normal circumstances, the government will find a reason to directly refuse your transfer! You will be smarter than you at that time: Heilongjiang can't enjoy it, and Nanjing can't enjoy it! But some places have some loose regulations on this situation. For example, Nanjing allows you to transfer back to Nanjing from a low base five years before retirement, and then continue to pay in Nanjing for five years with a high base, and then allow you to return to Nanjing to enjoy a pension. This policy is estimated to vary from place to place. It's best to go to your local labor bureau to find out about this problem now, so as to avoid accidents when you retire!

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