How much pension can I get this year?

How many years does endowment insurance have to be paid? How much can I get after retirement? How to calculate the pension when you retire? How many years does endowment insurance have to be paid? Old-age insurance must be paid 15, and you can receive a monthly pension only when you reach retirement age; If it exceeds 15 years, the longer the payment period, the more pensions. Among them, those who joined the work before the end of 1997 and retired after the implementation of the measures, and those whose accumulated payment period is over 10 and dissatisfied with 15, can also pay the basic pension on a monthly basis; If it is less than 10 years, the amount stored in the personal account shall be paid to me in one lump sum. It is understood that the pension insurance benefits for employees after retirement are directly linked to their actual payment wages and payment time. The higher the payment amount and the longer the payment time, the higher the pension insurance benefits after retirement. How to calculate the retirement pension? According to national regulations, when refunding money, only the money withheld by the individual will be refunded, and all the money paid by the unit for him will contribute to the country. The algorithm of pension is very complicated, and the country will change the payment base once a year: if you are 30 years old now, your current payment base is 3,000 yuan; if you are 55 years old, you must start to pay pension insurance before 40 years old; if you start to pay from 30 years old now, it will be 25 years after you pay 55 years old, so you must first enjoy the pension. Secondly, if the payment base of 3,000 Yuan You in 25 years becomes 6,000 yuan, then at the age of 55, you can get the basic pension of 6,000× 20% =1.200 yuan first, which is given to you by the state. Besides, you have accumulated a lot of money in your personal account for 25 years. Only the average payment base, (3000+6000). Then you should have 4500×8% (the proportion of individual contributions to old-age insurance) × 25× 12 months = 108000 yuan in your personal account over the past 25 years. In addition to the previous 1200 yuan, you can get108000 every month. Of course, the national base is still rising every year, so every year except your own 900 yuan, you will get more money than 1200 yuan every month after retirement, and your pension will definitely increase. Therefore, the more pension insurance you pay, the better. The more you give, the more you enjoy after retirement. And after the country adjusts the base every year, you will get more and more money. It is possible to pay 1000 now and get 1500 ten years later. Rich places pay social security and poor places receive pensions. This is a "loss". However, no matter where you pay the social security fee, when you retire, you can only go back to your domicile and enjoy the local retirement benefits. Therefore, people who pay social security in places with high base but enjoy pensions in places with low retirement base will suffer great losses. Why do you say that? If you worked in Nanjing when you were young, you paid social security for 20 years and then retired, but if your hukou is in Heilongjiang, you have to go back to Heilongjiang to enjoy the pension. If you have paid in Nanjing for 20 years, with an average base of 3,000, and the base of payment in Heilongjiang is only 1000 when you retire, then you can only enjoy the treatment of 1000 when you retire! This is a loss! How many years does Shenzhen endowment insurance have to pay? When can I get Shenzhen endowment insurance? How old can I get Shenzhen old-age insurance? Payment period of Shenzhen endowment insurance 15 years. After reaching the statutory retirement age, you can receive a monthly pension. If the payment period is less than 15 when reaching the statutory retirement age, you can pay it in one lump sum and receive a monthly pension after retirement. According to the notice, the last insured place before reaching the national statutory retirement age is Shenzhen, and those who have paid for more than 5 years continuously in Shenzhen, but have not met the conditions for receiving basic pensions on a monthly basis when reaching the national statutory retirement age (hereinafter referred to as "provincial non-deep households"); Or those who have reached the national statutory retirement age, but have not met the requirements for receiving the basic pension on a monthly basis, and meet the requirements for continuing to pay the pension stipulated in the Regulations of Shenzhen Special Economic Zone on Social Endowment Insurance for Enterprise Employees (hereinafter referred to as "deep-door employees"), as long as they meet one of the following conditions, they can pay the old-age insurance premium to the social security institutions in our city in one lump sum until the accumulated payment period reaches 15 years, and then apply for receiving the basic pension on a monthly basis in Shenzhen: (/kloc- (2) Before 1 June 30, 998 (including that day), the accumulated payment period (including deemed payment period) has reached 10 years and above, and the monthly payment time has been postponed1year and above. So, what is the retirement age of employees? The national legal retirement age of enterprise employees is 1, and the normal retirement age is 60 for men (like cadres and workers), 55 for women cadres and 50 for women workers. 2. Retirement age for special jobs: 55 for men and 45 for women. 3. Retirement age: 50 years for men and 45 years for women. 4. The age at which female cadres can retire as female workers after unemployment: 50 years old. The above is a complete introduction of endowment insurance, I hope it will help you.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.