202 1 what's the new social security policy? What impact does it have on our lives?

Pay 60,000 yuan at a time and give it to me every month 1500. Because it looked like a good deal, many friends agreed without considering it. Is it really a good deal? Not necessarily! Look who it's for. Listen to me slowly.

I. Retirement age:

At present, the retirement age is 60 for men and 55 for women. In the future, men will retire at 65 and women at 60. In other words, the male is 40 years old and the retirement age is 65 years old. In other words, you can get a pension at the age of 65.

Second, which payment method is more cost-effective:

Hypothetical conditions: Mr. Wang: male, 40 years old, retired at 65, and died at 90 (suppose it's a bit cruel, everyone yearns for a long life, so I only choose to have sex once for the convenience of calculation, and 90 is above the average life expectancy, which is not a loss). Mr. Li: The above conditions are the same as those of Mr. Wang, but the "monthly pension payment" is chosen, and the payment is 15 years.

1. If you pay 60,000 yuan in one lump sum, you can get a pension:1500× 25×12 = 450,000 yuan, totaling * * 450,000 yuan. In other words, Mr. Wang received a pension of 450,000 yuan.

2. The same amount is also acceptable.

① The payment period is calculated as 15 years, and 60,000 yuan is paid in one lump sum, and the payment of 60,000 yuan is 12 = 333.33 yuan, that is to say, the monthly personal payment amount is 333.33 yuan, which is calculated as 8% of personal salary. 333.33÷0.08=4 166 yuan. In other words, if this gentleman pays 60,000 yuan at a time, then one month's salary is equivalent to 4 166 yuan. Calculated by the social security calculator software, the payment base is 4 166 yuan, and the payment period is 15 years. Retire at the age of 65, and receive a monthly pension of 2950 yuan, 2950× 25×12 = 885,000 yuan, that is, Mr. Li will receive a pension of 885,000 yuan. Mr. Li looks more cost-effective than Mr. Wang.

Why doesn't Mr. Wang adopt Mr. Li's payment method?

1, Xiao Wang may not have a job. Can't enjoy the pension insurance for employees.

Mr. Wang's company does not bear part of the expenses that the company should pay. In other words, if you don't pay 8%, you have to pay 100%.

3. The minimum amount of annuity payment base has also been adjusted. The minimum cardinality may exceed 4 166 yuan. In that case, you need to pay more money. The burden is heavier.

The above calculation does not take into account future changes.