Social Security payment of 5 years, 15 years, 30 years, the future retirement pension difference in the end how much?

First of all, 5 years of contributions. If the social pension insurance is only 5 years of contributions, according to the relevant provisions of the social security law, it is not possible to do retirement. China's current retirement conditions of the relevant provisions of the law is to achieve the legal retirement age, pension insurance contributions for 15 years, in fact, is to pay the full 15 years of social security contributions is a minimum period of time, less than 15 years of this contribution, even if you pay 14.5 years, or just one month, this is not to do the retirement. If the social pension insurance only paid 5 years of what to do?

One is to continue to pay fees until the payment of full 15 years per year; the second is to transfer to the residents of the pension insurance, in accordance with the relevant provisions of the residents of the pension insurance to apply for the pension insurance to receive the formalities, of course, this salary treatment is very low; the third is to apply for the withdrawal of insurance. To the legal retirement age, they are neither willing to pay again, nor willing to transfer to the residents of the pension insurance, can only be returned to a one-time personal account assets, save the payment account. If it is attributed to the unit employees to pay, return part of the personal account assets they also need to get a little interest costs; if it is attributed to the freelancers themselves to pay, only the return of 8% credited to the personal account, plus interest on the corresponding funds, the cumulative total of up to 10% after their own contributions up and down the cost of spending.

Paying contributions for 15 years. 15 years of contributions is the most basic threshold for a retirement. Pay 15 years from the contribution period is the minimum contribution period, if in addition to their own contributions, is based on the previous year's average monthly income of employees to 60% of the contribution base, so that the contribution base are the lowest, the balance of funds credited to the individual account are the lowest, the interest on the funds because the cost is not too high, so the interest cost is also very low, in accordance with the standards for calculating the old-age pension, the old-age pension are the lowest. The minimum amount of money that can be earned is the minimum amount of money that can be earned.

Paying 30 years of contributions, if the average value of the contribution base, the contribution index will not change the case, pay 30 years of contributions than pay 15 years, double the number of years of contributions, the amount of contributions are more than double. However, in reality, because the contribution base is constantly rising, pay 30 years of monthly contributions for 15 years compared to pay the pension insurance premiums should be higher than double, and sometimes may even be higher than two times up and down. Because of the change in the contribution base, the individual account fund balance will also be higher than double or even two times.

For example, the average value of the contribution base is 5,000 yuan, the average value according to 60% as the contribution base, the specific contribution base is 3,000 yuan per month, the retirement of the last year the average monthly income of employees is 7,000 yuan per month, the payment of fees for 15 years credited to the personal account assets of 43,200 yuan, the interest on the funds of 5,000 yuan, the cumulative balance of the funds of the personal account is 48,200 yuan. If it is 60 years old to do retirement, monthly personal account pension insurance for 346.76 yuan; pension part of the pension is equivalent to 7,000 yuan plus 4,200 yuan divided by 2, the average value of the two is 5,600 yuan, every year of payment to receive a pension of 56 yuan, payment of 15 years of monthly pension pension of 840 yuan, a total of 1,186.76 yuan per month pension.

In the case of the average value of the contribution base, the contribution index, the same year to do the retirement, the statutory retirement age will not change, the contribution 30 years credited to the personal account assets more than double that of 86400 yuan, the interest on the funds in accordance with the 10,000 yuan to measure the balance of the personal account of 96,400 yuan, the monthly personal account of the old age pension insurance benefit of 693.53 yuan; old age retirement pension will not change the number of accruing The number of old age pension will not change, or every year of contribution to receive 56 yuan, 30 years of contributions to the monthly old age pension of 1680 yuan, a total of 2373.53 yuan of monthly old age pension.

From this calculation method, it seems that 15 years of contributions to the monthly pension of 1,186.76 yuan, 30 years of contributions to the monthly pension of 2,373.53 yuan, the difference between the two compared to the pension more than double. But this calculation assumes that the preconditions generally do not exist. Reflects the difference in so these aspects, pay 15 years to pay 30 years, both of the contribution base is not complete the same, although the calculation is the average value of the contribution base, but pay 30 years of the average value of the contribution base and pay 15 years of the average value of the contribution base is not the same at all; Secondly, the average value of the indexation of the contributions to the salary is not the same, because the pay 15 years to pay 30 years of surely is not in the same year of the retirement, if it is the same year of retirement, so that the difference is more than double the difference between the two. If it is the same year to retire, then the difference in the contribution base is higher.

Overall, pay 5 years of this is not enjoy the pension treatment, which is not comparable; pay 15 years to pay 30 years, because of the contribution base, the number of years of contributions, personal account fund balance is not the same, do not have the same age of retirement, the difference between the pension is very big, even in the same base of contributions, the same year to do the same year of retirement, the minimum difference between the old age pension in the above mentioned double.