I started to pay social security. At present, my personal account is 6,543,800 yuan+0.8 million yuan. How much is the monthly pension after retirement?

In order to cope with the problems brought by the development of an aging society, countries are constantly releasing various existing policies. Among them, the current retirement pension policy, as an important part of the pension service stage, has attracted much attention. After all, after paying the social security year, you can still get an old-age insurance every month after retirement. Then, for retired people, how much retirement pension should they receive every month to provide adequate old-age services?

First, paying social security can reduce the pressure on children. Social security includes unemployment insurance, maternity insurance, old-age insurance and medical insurance, among which medical insurance and old-age insurance have great protection for future old-age life. With the increasing popularity of individual social security, people pay more and more attention to social security. According to statistics, the number of participants in China has reached 44%.

In the past, the way of providing for the aged was basically to carry on the family line, but now with the development of social economy, modern young people have a great economic burden, bearing high mortgage and car loan. If they don't have a certain economic level, it is difficult to support their parents. It can be seen that paying social security can not only ensure your old age, but also reduce the pressure on children.

Second, old-age insurance If you want to receive old-age insurance after retirement, you must pay at least 15 years of social old-age insurance before reaching the statutory retirement age. The amount of pension is not only related to the payment period, but also related to the payment base. Many people choose to pay the minimum personal social security according to the minimum base because of their low wages, but they have a sense of security in their old age.

If you pay the old-age insurance according to 15' s minimum fixed number of years and its minimum base, the average monthly pension is 549 yuan, and the monthly personal account pension insurance premium is 382 yuan, you can get the old-age insurance premium in your hand about 1000 yuan.

It is not difficult to see that if you pay the endowment insurance according to the minimum base, although there is no pressure to pay, the monthly retirement pension you get after retirement is also very limited, and it is very likely that you will not be able to maintain your monthly retirement, especially in first-tier cities. It is not easy to guarantee the minimum living standard.

The person in charge of social security saw such a problem on the Internet: working in a state-owned enterprise in Beijing, the current monthly salary is basically more than 40,000 yuan, but when checking social security, it was found that the payment base is more than 20,000 yuan, not only excluding performance appraisal salary, but even the monthly salary is basically not enough. At present, the specific monthly pension payment is generally 6400 yuan. How much old-age insurance can I get every month after retirement?

There are still some problems with the information provided by this girl. For example, the monthly salary of state-owned enterprises is more than 40 thousand yuan, which is a very high level, which is equivalent to nearly three times the per capita salary of employees in non-private units in Beijing. Generally speaking, only people who work in state-owned enterprises can get this salary, which is equivalent to ministerial cadres.

Secondly, like state-owned enterprises, it is generally announced that when social security contributions are involved, social security will be paid according to personal wages (within the upper and lower limits of social security contributions). For example, the upper limit of social security payment in Beijing is 2822 1 yuan. If your salary is more than 40000 yuan, choose 2822 1 yuan as the base of social security payment, and the corresponding total social security payment is 282265448.

Even if 4% annuity, 2% medical insurance premium and 0.2% unemployment benefit are included, the monthly payment will increase by 2,8221* 6.2% =1.750 yuan, making a total of 2,258+1.750 = 4,008 yuan, which is obviously less than 6,400 yuan.