How much pension can freelancers get after retirement?

We have paid the endowment insurance for many years. How much can I get a month after retirement? The following small series uses a simple picture to help you understand. How much pension can I get after retirement? Please read the following for details! Take how much pension you can get after retirement as an example: If you retire at the age of 55, your personal account is 80,000 yuan, your average monthly salary on the ground is 5,000 yuan, your average monthly salary index is 1, and your contribution period is 30 years until retirement, then the pension you get in the first month after retirement is =(5000+5000 * 65438+. What about social security if I leave my job? This is usually divided into two situations: ① resignation and temporary unemployment. Both endowment insurance and medical insurance can be paid by individuals, and how to handle them varies from place to place. It is recommended to consult the local social security bureau. (2) For new jobs and new units, the payment can be continued, and the payment period of endowment insurance can be accumulated. Even if you change jobs and go to different cities, the endowment insurance can still be transferred and accumulated in different places. If you only rely on pensions after retirement, the quality of life may be greatly reduced. According to the previous formula, it is a good situation that the replacement rate of pension personal salary can reach 20%, and the higher the income, the lower the replacement rate. For individuals, planning early is the last word. There are three suggestions for financial management after retirement: (1) Plan ahead: According to the inflation rate, income growth rate, return on investment, current income and expenditure level, current deposits and monthly income and expenditure after retirement, we can roughly calculate the funding gap at retirement. (2) Save more money: actively invest in wealth management, and gradually increase the part of wealth management income with the growth of age to make up for the sharp decline in wage income after retirement. (3) Buy insurance: Because it is difficult to guarantee a comfortable life after retirement by relying solely on pensions, I suggest you consider buying a commercial pension insurance, but you should consult a lawyer for more details.

Legal objectivity:

Freelancers are self-employed, often referred to as flexible employees. Because they are freelancers, most of their pensions need to be borne by individuals, which makes their pensions particularly concerned by the society. In order to help them establish a good old-age security, the relevant old-age policies are tilted. According to the relevant documents, self-employed persons such as urban individual industrial and commercial households, as well as those who adopt flexible employment methods, can receive basic pensions on a monthly basis if they are over 55 years old and have accumulated payment years of 15 years. Among them, before 2006, there were 5438+02,365,438+00 female employees who had worked in state-owned collective enterprises at or above the county level and had accumulated payment years of 65,438+05. After dissolving or terminating the labor relationship with the original enterprise, those who engage in self-employment, free occupation and flexible employment and continue to pay the basic old-age insurance premium shall be executed at the age of 50 according to their own application. Before, some readers asked, are there any upper and lower limits for self-employed individuals to pay endowment insurance, and for how many years? The relevant person in charge of Jinan Labor and Social Security Bureau explained that according to the relevant regulations, the payment base for urban individual industrial and commercial households and flexible employees to participate in the basic old-age insurance is the average salary of employees in the whole province or the whole city in the previous year, and the payment ratio is 20%. Before reaching the statutory retirement age stipulated by the state, all on-the-job personnel should pay the basic old-age insurance premium in accordance with the regulations. According to the statistical results published by Jinan Labor and Social Security Bureau and Statistics Bureau, the average monthly salary of employees in Jinan in 2006 was 1586 yuan. According to the regulations, when the average wage income of employees in the previous year was lower than 60% of the average monthly wage of employees in this city in the previous year, 60% of the average monthly wage of employees in this city in the previous year was used as the payment base; If the average monthly salary of employees in the previous year is higher than 300% of the average monthly salary of employees in this city in the previous year, 300% of the average monthly salary of employees in this city in the previous year will be used as the payment base. Based on this calculation, in the payment year of 2007, if the wage income of employees of enterprises in Jinan is less than 952 yuan, enterprises and individuals should take 952 yuan as the payment base. If the wage income of enterprise employees is between 4758 yuan and 952 yuan, the actual salary will be used as the payment base. In addition, according to the regulations of Jinan Municipal Government, in 2007, the monthly payment base of the basic old-age insurance premium for flexible employees and urban unemployed individual industrial and commercial households who participated in the basic old-age insurance for enterprise employees in Jinan was 1.269 yuan, and the monthly payment base for those whose monthly income exceeded this standard should not be higher than 4,758 yuan. Regarding the transfer of labor relations that some readers are concerned about, the relevant person in charge of Jinan Labor and Social Security Bureau said that since the electronic social security management systems of the six districts in the city and Zhangqiu City, Changqing District and County have not been connected to the Internet so far, when employees move from the six districts in the city to Zhangqiu City, Changqing District and County, they need to go through the formalities of connecting registered permanent residence in series. Before going through the formalities, you must bring the employee pension insurance manual and the new unit labor contract handling manual for review, and print the statement.