Shijiazhuang pension insurance now pay how much money 2017

How much does pension insurance pay a year

Generally, you have to pay 15 years, to the time of retirement in order to enjoy the pension for life, so you want to take the pension people please be sure to start paying 15 years before their retirement. If the retirement age to pay the pension insurance less than 15 years, then wait until your retirement time the state will be your personal account on the deposit of 8% of the pension all back to you. Then the unit to pay you 20% of where to go?

The state has allocated all the 20% of the money paid by the unit for you to the state pension fund. The state stipulates that when the money is returned, only the money deducted from the individual will be refunded, and all the money paid by the organization for him will be contributed to the state.

Retirement pensions are calculated. The pension algorithm is very complex, the state will change the contribution base once a year. If you are 30 years old now, your current contribution base is 3,000 yuan, and the retirement age is 55 years old, then you must start to pay the pension insurance before you are 40 years old.

And if you start paying from the age of 30 now, and pay until the age of 55 is 25 years, then first of all surely you can enjoy the pension. Secondly, if after 25 years you have paid 3,000 dollars of the contribution base has become 6,000, then you are 55 years old, first of all, you can get 6,000 × 20% = 1,200 dollars a month of the basic pension, which is the state to you.

Additionally, the money in your personal account has accumulated a lot in 25 years. The contribution base average, (3000 + 6000) ÷ 2 = 4500, then you should have 4500 × 8% (you pay the personal proportion of pension insurance) × 25 years × 12 months = 108,000 yuan, in addition to the previous 1200 yuan, you can get 108,000 ÷ 120 = 900 yuan per month, so that you 55 years old from the beginning of each month at least can get the basic pension. In addition to the previous 1200 yuan, you can also get 108,000 ÷ 120 = 900 yuan per month, so you can get at least 1,200 + 900 = 2,100 yuan per month from the age of 55 years old. Of course, every year the national base is still rising, so every year, in addition to your own 900 dollars, you will get more than 1200 dollars a month after retirement, that your pension will of course be more and more. So the more you pay into your pension, the better.

The more you pay, the more you will enjoy after retirement. Moreover, after the state adjusts the base amount every year, you will get more and more money. It is possible to pay 1,000 now and get 1,500 ten years later. However, no matter where you pay social security contributions, when you retire, you can only go back to your hukou to enjoy the local retirement benefits.

How much do I pay into my monthly pension?

Generally, pensions are paid at a rate of 20 percent by the enterprise and 8 percent by the employee. All 8% of the personal contribution goes into the personal account (private account), and all 20% of the company's contribution goes into the co-ordinated account. The co-ordinated account contains, in addition to the money paid by the whole country, financial subsidies and investment income. And the personal account is fully accumulative, the money belongs entirely to you.

As an example, Xiao Wang's pension contributions for 15 years, monthly salary are 5,000 yuan, then he and the unit monthly contributions for 5,000 × 20% + 5,000 × 8% = 1,400 yuan. 15 years down, his pension will contribute 252,000 yuan.

Note:

One, change the place of work, how much pension can be transferred?

According to the relevant provisions, the basic pension insurance relationship can be transferred along with the inter-provincial employment, if you go from one city to another, your personal pension can be transferred all, in addition to the unit for you to pay 20% of the pension inside, you can transfer 12%.

Second, the pension can be withdrawn in advance?

According to the existing system, pensions are generally not allowed to withdraw early. There are two situations in which you can withdraw your personal account in advance:

One is to settle abroad;

The second is the death of the participant.

Retirement if you have not paid 15 years, you can only withdraw the personal part. The social security we pay into the integrated account and personal account of these two accounts, if you die before retirement, the heirs are able to inherit the money in the personal account.

Three, what are the conditions for receiving a pension?

1) reach the legal retirement age;

2) accumulate pension insurance premiums for 15 years.

Four, mobile employment pension from where to receive?

If Wang has worked in place A for 10 years and then in place B for 5 years, where will he receive his pension? According to the regulations, the insured person should go through the procedure of transferring the basic pension insurance relationship when he moves across the region for employment. When a participant reaches the state retirement age, the place of pension entitlement shall be determined according to the principle of "domicile is given priority, calculated from the longest to the last", based on the number of years of contribution in each place of participation.

1)If the place of insurance and the place of domicile are the same, the pension will be paid in the place of domicile when the participant retires.

2)If not, the place of participation will be determined according to the place of participation where the contributions have been paid for ten years.

3)If a participant has more than one place where he/she has paid contributions for ten years, the place of entitlement will be determined according to the last one.

4)If the participant has paid contributions for less than ten years in all the places of participation, the pension insurance relationship and related funds should be transferred back to the social security agency in the place of domicile.

5)Participants can go through the transfer procedure now, or transfer the pension insurance directly to the place of entitlement before going through the retirement procedure.

Related content:

How much money will I get a month after retirement?

A: About the pension insurance you first need to understand the following common sense:

1. The contribution base is up to 300% of the average monthly salary of the workers in the coordinated area, and down to 60% of the average monthly salary of the workers in the coordinated area.

2. Pension insurance is divided into two parts: the social coordination and individual account.

3. Individual accounts shall not be withdrawn in advance, and the interest rate of bookkeeping shall not be lower than the interest rate of bank fixed deposit, and shall be exempted from interest tax.

4. When the insured dies, the balance of the individual account can be inherited.

5. The conditions for enjoying basic pension insurance: ① reach the legal retirement age and retirement procedures; ② the accumulated contribution period of 15 years.

Two: If you leave your job, what about social security? This is usually divided into two cases:

① Separated from the job, no work for the time being. Pension insurance and health insurance can be paid personally, the specific how to handle the local differences, it is recommended to consult the local social security bureau.

② Changed to a new job, a new unit to continue to pay can, pension insurance payment years can be accumulated. Even if you change jobs to a different city, pension insurance can still be transferred and accumulated. Look at the above calculation method, a financial honey said, after retirement, if you only rely on the pension, the quality of life may be greatly reduced. According to the previous formula for their own rough calculations, the pension of the individual salary replacement rate can reach 20% even if the situation is good, and, the higher the income, the lower the replacement rate. Therefore, she believes that for individuals, early planning is the hard way. What can we do about it? Her financial management has the following three suggestions:

(1) Early planning: according to the inflation rate, income growth rate, investment return rate, current income and expenditure level, current deposit, monthly income and expenditure after retirement, you can roughly calculate the funding gap to your retirement.

(2) Save more: Actively invest in your finances, and let the portion of your financial income grow as you get older to make up for the significant drop in your paycheck after retirement.

(3) Buy insurance: Since it is difficult to guarantee a comfortable retirement with a pension alone, she suggests you may want to consider buying a commercial pension insurance.