Social security pays 6000 a year. How much can you get at the age of 60?

China's aging is a visible trend. According to the population statistics of the Seventh National Population Plan, the median of young people in China is 34 years old, and they are already middle-aged. As an only-child generation, the generation born after 1980s and 1990s is the oldest in their 40s and the youngest in their 30s. Coupled with the strong legal awareness of the new generation, many people began to care about their future pension problems. Nowadays, the issuance of pension and the change of retirement system often become a hot topic in society. Now is the right time for all provinces in China to announce the 20021annual pension increase plan. Most retired employees have found that their pensions have increased more or less by dozens to 200 yuan this month. The average amount of pensions received by retirees in China is 2900 yuan, but the specific pensions received by each person are different, ranging from tens of thousands to only one or two thousand. Now, let's sort out where the differences in future pension collection come from. 1, the benchmark assumption is that at this stage, you will pay 6,000 yuan of social security every year, work for 15 years, and retire at the age of 60. This is a very simple arithmetic problem. When everyone pays social security every year, the state finance will give the individual pension insurance subsidy 150 yuan, so in 15 years, there is a total of (6000+150) x15 = 92250 yuan in the individual pension account. After retiring at the age of 60, the national pension is calculated according to the expected remaining life of about 1 1 year (139 months). In addition, the state has set up a basic pension, which is 92,250-139+120 = 780, based on the average120 yuan. In other words, regardless of the inflation subsidy, it is equivalent to paying 6,000 yuan of social security now and receiving 784 yuan every month after retiring at the age of 60 until death. If the life expectancy after retirement does not exceed 72 years, then the pension paid by 15 cannot be repaid. The longer you live, the more cost-effective it is to pay your pension. So there is a saying that male smokers are true patriots. They smoked when they were young and contributed to the national finance (tobacco tax is the largest tax in China). After retirement, they died after only a few years of pension, reducing the burden on pension accounts. 2. The calculation formula of pension is a simplified calculation. In fact, many parameters should be considered in the calculation of pension. The pension received mainly comes from the sum of two parts: the basic pension account part and the personal account pension part. Basic pension account = average monthly salary of local employees in the previous year x( 1+ my average contribution wage index) ÷2x payment period x1%; Monthly personal account pension = personal account deposit/calculated months (139 when retiring at the age of 60). Basically, everyone receives a basic pension account, which is related to the pension account policy of the province where the payment is made. Under normal circumstances, the average social wage in economically developed areas is relatively high, and the subsidies in basic pension accounts will also be high. Therefore, the difference of a person's pension after retirement is mainly caused by personal account pension. The money in the personal pension account mainly depends on the amount of pension insurance paid by individuals and units at work. When paying social security, the unit pays 20% and the individual pays 8%. The more personal accounts pay, the longer working hours, and the more money accumulated in personal pension accounts before retirement. Finally, if you divide by 139, the monthly pension will be higher. On the whole, some people's pension is only 2,000 yuan, which may be related to his short social security payment time and low financial contribution, while some people's pension exceeds 10000 yuan, mainly because he is in developed provinces, his personal contribution base is high and his social security payment time is long, resulting in relatively high amounts of personal pension accounts and basic pension accounts. At present, the retirement age in China is 60 for men and 50 for women. In the next five years, more than 40 million new employees will retire, and some of the earliest post-70s women will retire one after another. Retirement is not far away, and everyone needs to know more or less about the recent trends of social security policies. Judging from the speed of population aging and the balance of social security account fund, it is imperative to postpone retirement policy.