The pension we receive after retirement, all by themselves to pay?

First of all, let's look at the unit workers. Unit workers in the payment of pension insurance, in accordance with the relevant provisions of the Social Security Law, is by the unit workers themselves in proportion to the allocation to pay, the overall contribution ratio is 24%, in which the employer company contribution ratio of 16%. Individuals pay a portion of 8%, individuals and units form the core of the pension insurance payment, and part of the enterprise contribution is about double the part of the individual payment.

The next best thing is to look at freelancers. Freelancers, because there is no employer, must pay the full amount of contributions, but the state in full consideration of the specific circumstances of the freelancers, in fact, the freelancers are used to reduce the proportion of the form of contribution. The overall contribution rate is 20%, which is 4 percentage points less than that paid by employees. In which allocated to the personal account or 8%, 12% credited to the integrated account, this 4 percentage points less contribution, in fact, by the social insurance fund to pay, due to the calculation of pensions, freelance pension insurance calculation method is completely consistent, there is no difference.

Because the social security payment is divided into the integrated account and personal account, these two accounts in accordance with the pension calculation method, the integrated account is used to pay the old age pension. Pension because of the need to hook up with the average monthly income of employees in the previous year before retirement, is a form of *** enjoy the fruits of the development of the economic model, then as a unit of workers, part of the pension is not attributable to their own payment, and usually is the enterprise to pay for the co-ordination of the funds, although the enterprise to pay for the individual belongs to the unit concerned, but fundamentally is not attributable to me, but attributable to the pension fund; personal account pension fund. The personal account pension insurance fund, this part is completely attributable to the part of their own payment, in fact, in addition to the part of their own payment, there is also a pension fund according to the development and operation of the profit caused by the asset booking rate, and this booking rate is very high, the average value of this point in the annualized interest rate of 7% up and down.

Some people say that freelancers contribute to the pension insurance, in fact, I received a personal part of the contribution, that is also inappropriate. Because freelancers pay social pension insurance, although also to allocate a part of the overall fund, but the pension calculation method employees pay is absolutely the same, and pension insurance belongs to the lifelong, our country every year to regulate the upgrading, but also the death of the wage treatment, and so on. According to the general regularity to analyze, pay their own pension insurance, the general rate of return on investment in 7 years, in fact, 7 years after the release of the pension insurance does not belong to the individual to pay a part of the pension insurance, are by all the coordinated fund to pay for professional knowledge in order to obtain such payment prerequisites must meet the needs of the Office of Retirement, i.e., to do the legal age of retirement as stipulated by the law, to the old insurance premiums for a number of years to do 15 years.

In addition to the payment of pension insurance, there is also the residents' pension insurance. In accordance with the residents of the pension insurance payment standard, individuals pay a part of our country also need to give subsidies, and the state subsidies and personal contributions to all credited to the personal account, personal account is their own property, completely attributable to personal property, not a penny credited to the integrated account. In the calculation of pension insurance, personal account is completely 100% according to the total amount of funds in the personal account, divided by 139 months, 139 months did not receive the end of the death, the remaining part of the need to return to relatives, 139 months to receive the end, let the financial to continue to pay; part of the old-age pension, completely 100% of the pressure by the various financial bureaus. However, to obtain this qualification, is also required to pay pension insurance for 15 years, to reach the age of 60.

Overall, a person retired after the release of the pension insurance benefits, as a unit of workers, part of my own contributions, most of which are paid by the unit of the integrated funds to collect; freelance part of my own after receiving, the remaining part of all the part of the integrated funds to collect; participate in the residents of the pension insurance work of the personnel, the individual account The old-age pension is partly paid by the person himself, and the old-age pension is partly collected by the finance.