What is the retirement salary of 2 1 year social security service?

Today, what we are going to answer is the pension problem mentioned by two netizens, which is quite representative and is also a common concern of everyone. Let's have a look.

The first question: length of service 2 1 year, and retirement in 2022. Personal account for endowment insurance is 55,000 yuan. What is my salary after retirement?

It won't be very high, 1000 yuan is a little more. Don't expect too much.

The length of service is 2 1 year, and the balance of individual pension insurance account is 55,000 yuan, which is equivalent to only 26 19 yuan per year and 2 18 yuan per month, which is really not high. This must be an enterprise employee. According to the payment ratio of 8%, the corresponding pension insurance payment base is 2728 yuan, so this should be paid according to the local lower limit of pension insurance payment.

Now we know that the payment period of endowment insurance is 2 1 year, the payment index of endowment insurance is 0.6, and the personal account balance of endowment insurance is 55,000 yuan. Suppose your local social average wage is 4546 yuan, you retire at the age of 60, and there is no deemed payment period, that is, there is no transitional pension. Then, according to the calculation formula that pension is equal to basic pension+personal account pension, let's calculate:

The basic pension is 4546 * (1+0.6)/2 * 21*1%= 764 yuan;

Personal account pension is equal to 55,000 yuan/139=396 yuan.

Then the total pension is 764+396= 1 160 yuan, which is a relatively low level. For people who have worked for 2 1 year, this kind of pension is really not ideal.

Of course, if you have 2 1 year working experience, you will get a much higher pension.

The second question: What is the pension level of 4500 yuan in Nanjing, Jiangsu Province in January? What kind of life can I live?

This kind of pension is above the average level in Nanjing, exceeding 80% or even more than 90% of retirees.

Although the level of economic development in Jiangsu is relatively high, the per capita pension is not high, which is similar to the national average, equivalent to about 3300 yuan.

You can also look at the salary level in Nanjing. The data shows that in 2020, the average annual salary of employees in non-private units in Nanjing is138,005 yuan, and the corresponding monthly salary is 1 1500 yuan. The average annual salary of employees in urban private units is 72,477 yuan, corresponding to a monthly salary of 6,039 yuan. Note that this is pre-tax salary, without deducting five insurances, one gold and one tax. The per capita salary of employees in private units is less than 5000 yuan. The 4500 yuan pension is not tax deductible and belongs to net income. Then compared with this, it is not much different from the per capita salary of on-the-job personnel.

Let's take a look at the per capita disposable income in Nanjing. In 2020, the per capita disposable income of urban residents in Nanjing is 67,553 yuan, which is 5,629 yuan per month, while the pension of 4,500 yuan is more than 1000 yuan, which is not bad.

Obviously, you can live a better life if you can get a pension of 4500 yuan. Generally speaking, it is difficult for enterprise retirees to get such a high pension.