In Yantai, Shandong Province, the endowment insurance is 10800 yuan per year. How much is the monthly pension after retirement?

The annual fee is 10800 yuan, which is equivalent to the monthly contribution to 900 yuan. The monthly payment base is 4,500 yuan, calculated according to the proportion of 20% paid by freelancers. Of course, the annual fee is 10800 yuan, but not 10800 yuan per year. In Yantai City, Shandong Province, the pension insurance paid by freelancers is based on the average monthly income of employees in the previous year announced by Shandong Province, and the payment ratio is 20%.

The endowment insurance premium is calculated comprehensively according to the factors such as the deposit base, payment period, personal account balance and the average monthly income of employees in the previous year, but you only have the data of 10800 yuan, so it is impossible to calculate your pension contribution 15. To correctly calculate the pension, it is necessary to have the average monthly income of the last year when employees retire, that is, the amount of pension; Average personal contribution index.

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.

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.

How much pension insurance is enough for daily life every month? Living in every place, the consumption level is different, of course, the consumption power is different, so there is no unified answer to how much pension insurance is enough for daily life every month. However, national data show that the average annual expenditure of urban and rural residents in China is about 27,000 yuan. Although the elderly are thrifty, they may not reach the average level, but most retired people have basically reached the quality of life of 3000 yuan per month.

Secondly, it is understood that some experts pointed out that in order to get enough old-age insurance for retired workers, two norms need to be achieved. Personal social security has been paid for at least 15 years. On this basis, it is reasonable to pay it again if it does not reach the statutory retirement age. After all, you will get more and more, adding a guarantee for your later life.

To save enough money, the deposit must reach 9 times the annual retirement salary. It is very likely that many people think that they are far away from the old-age service, but it is still difficult to save enough deposits, so it is more appropriate to deposit gradually as soon as possible.

Personal account balance, payment period, and when to retire. Yantai is a region with good social and economic development in Shandong. However, after the social endowment insurance is coordinated at the provincial level, Guangdong's deposit base and pension recipients are the same as Jinan and Qingdao. Moreover, the deposit base changes every year, and it is not necessary to pay 10800 every year. According to this standard, as an average, it is estimated that if a woman retires at the age of 55 after paying 15, the old-age insurance premium should be below 1500 yuan.