Social security pension insurance can guarantee old age?

There is a certain risk, so there can not be no 100% can be pension, there is a risk that the bank pension financial products are still financial products, and is not a savings product, which must be clear whether some of the buyers of pension financial products, or some bank financial managers, both or some financial media, in the report of the bank pension financial products, will be the bank pension financial products and bank pension savings The product has been confused with the bank's pension savings product.

And some bank finance managers, consciously or unconsciously, promote the robustness and low-risk features of bank pension financial products. I think it is very good to choose the state's social security pension. Social security can be old age, because social security is a social security composed of pension insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, of which pension insurance plays a very important role in the old age of the employee, it will be in the retirement of the employee to pay a monthly pension for the employee's old age.

At present, the monthly pension after retirement is calculated from the basic pension + personal account pension, the formula is: pension = basic pension + personal account pension, basic pension = [the city's average monthly salary of the previous year's on-the-job workers at the time of retirement × (1 + the average salary index)] ÷ 2 × all my years of contributions (length of service) × 1%, personal account pension = personal account at the time of retirement. Pension = personal account storage amount at the time of retirement / the number of months corresponding to my retirement age, and my average wage index = employee contribution base / average wage of the previous year. In fact, from this formula, we can see that the number of years of social security contributions and the contribution base affect the salary after retirement.

As an example, a worker's monthly social security contribution base is 5,000 yuan, a **** paid for 15 years. The average monthly salary of workers in his city is 7,000 yuan, so the monthly pension that the worker can get after retiring at age 60 is 1,418 yuan. If the worker's social security base becomes 3,000 yuan after paying for 15 years, he can only get 1,062 yuan per month after retiring at age 60. So it's best to pay as much as you can before you retire, so that you can receive a larger pension after retirement.