How to get personal full endowment insurance?

Xi's new policy will cancel the basic old-age insurance premium paid by the unit and record it in the personal account.

The proportion of payment consists of individual payment and unit payment.

Individual contributions are based on the average monthly salary of employees in the previous year.

The minimum wage is 60% of the employee's salary in the previous year; The maximum amount is 8% of the city's employees' salary of 300% in the previous year.

The unit contribution is paid according to 15% of the average monthly salary of employees in the previous year, and 15% paid by the unit is transferred to social pooling.

Basic pension+personal account pension+transitional pension = average monthly salary before retirement ×20%.

(The payment period is less than 15 years 15%)

+personal account principal and interest and ÷ 120+ indexed monthly average payment salary × 1997× 1.4% payment period before the end.

For example, when Xiao Wang retired at 55, he bought social security for 25 years. At the time of retirement, the average monthly salary of the previous year was 4,000 yuan, and the indexed monthly payment salary of Wang Pingjun Jr. was 2,000 yuan. How much basic pension can he get every month?

Basic pension: (4000+2000)/2X25%=750.

Personal account pension: 80,000/170 = 470 (the accumulated amount of personal account at the time of retirement here is 80,000 yuan, and the number of months for people who retire at the age of 55 is170 months).

Adding up the above two items, Xiao Wang's monthly basic pension is about 1220 yuan.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.