Some seniors, with small pensions, regret that they bought a low base for social security contributions back then. What do you think?

I just retired, retirement pay less than two thousand, but also regret that the social security contribution base is low, I have 16 years of 100% payment, the unit paid 9 years, that is, 9 years pulled down the wages, 97,98 units even the minimum contribution did not reach are their own make-up, if the 25 years are paid at 100%, it is estimated that not far away from 3,000, people are old and spend more money, money nowadays! More and more worthless, casually eating noodles are more than 10 yuan, a box of medicine more than 20, casually a cold also have to hundreds of dollars, not to mention hospitalization, in fact, when the sticking point can also be a little higher, is because the economy is not generous , hey! The poor even retired is poor, so I am now retired, any dare not rest, no money in the hand panic.

There are people around me who have not paid enough for 15 years, and I think the old more regret it, a wrong decision will affect the late life.

I'm not sure if you're a fish, but I'm sure you'll be happy to know that.

You are not a fish, how do you know what constitutes the enjoyment of fishes?

Yes, a lot of old people regret that they bought a low pension base. But to be honest, our pension contributions are linked to the average social wage, and what level of income are you earning? At that level of income, can you afford to join a high base pension insurance? This regret is only an afterthought.

In the 1990s, China fully established the pension insurance system. The state allows groups such as flexibly employed people to participate in pension insurance by making their own contributions, and then receive the corresponding pension benefits when they reach retirement age. Before that, people didn't even have the opportunity to participate in pension insurance.

The original pension system, though characterized by multiple contributions and multiple benefits, was relatively even. Because retirement can only receive 20% of the average social wage, coupled with the relative depreciation of the amount of money in the personal account of the pension insurance is very fast, people do not have high motivation to participate in the insurance, even if they participate in the insurance, but only choose the lowest base contribution.

In 2015, after the release of the national Decision on Improving the Employee Basic Pension Insurance System, our pension insurance system has been comprehensively improved, and the corresponding pension calculation mode has been changed. The preservation and appreciation of value is stronger, and the contribution period and contribution base play a higher role. Now the pension calculation formula is like this, mainly including base pension and personal account pension two components.

Basic Pension is based on my average contribution grade, the number of years of contributions and the social wage is linked, generally speaking, 15 years of contributions to the lowest base (60%), can only receive 12% of the retirement of the previous year's average social wage. 100% of the base contributions can only receive 15% of the social wage. 300% of the base contributions can only receive 30% of the social wage. The average social wage of the year before retirement is 12%.

Personal account pension, mainly for each month of contributions, according to the contribution base of 8% credited to the personal account. Finally, according to the retirement age to determine the number of months to receive personal account pension. Individual account pension part with the contribution base is very closely linked to the pure but will be affected by through currency depreciation.

Overall, our pension formula actually takes into account a combination of preservation and appreciation, as well as personal savings. Coupled with the changes in our pension system, it is true that many people are not taken into account.

A low contribution base is only one factor that affects the level of pension. It is the length of the contribution period that is the more critical factor. After retirement pension adjustment program, the role of the contribution period is much higher than the contribution base. The caveat for young people is to try not to interrupt the contribution period. If we interrupt our contributions, we need to pay more to make up for it.

There is no such thing as a self-selected contribution base for active employees, but for urban and rural residents or those who are flexibly employed. The first thing you need to do is to make sure that you have a good understanding of what you're doing and how you're doing it. There are no pills of regret in the world, if you had known, why did you do it in the first place! In the final analysis, it is still the policy of more contributions, more income is not a deep understanding of the action is not strong. There is no way to regret it, it is too late, let the next generation to accept the lesson!

Some of the elderly pension is not much, regret that the social security contribution base to buy low, how do you think? The following talk about the author's analysis and interpretation of this issue, welcome readers and friends to criticize and correct.

I think this is an odd proposition, according to the retirement time backward, only possible to point to and occur in the enterprise retirees undoubtedly.

I think this is a strange proposition, according to the retirement time backwards, only possible to point to and happen in the enterprise retirement personnel, no doubt!

Try, in the 1990s, in the enterprises to take the lead in the initial stage of the reform of the pension system, that is, in the social environment at that time, some of the retired elderly pension is not much is entirely possible, but not necessarily social security contributions to the base to buy the low caused. This is because the contribution policy at that time was clear and the implementation was absolutely in place. That is to say, some old people regret that year's contribution base to buy low, and not necessarily exist.

Obviously, in the planned economic conditions at that time, to buy social security in a flexible employment status is unthinkable, how can appear by the participants to choose their own contribution base opportunities and possibilities? Moreover, the calculation of retirement benefits is realized through the calculation of the average contribution index. At that time, the average salary of employees was generally low, but the matching average social wage was not high enough to go there. It can be seen that the "sick", that is to say, to make social security contributions to the base to buy low conclusions, is fundamentally untenable.

In short, some of the old people's pensions are not much, is another reason and lead to, and the so-called social security contribution base to buy low does not match, there is no relationship, because the policy provisions and social conditions at that time on there. As for some old people's pensions are not much, this generally low phenomenon must have nothing to do with the two-track system of retirement benefits that began to emerge at that time. This is also the opening of the pension reform of the historical history of the reform, is the institutions and institutions of the enterprise to carry out drastic reform and adjustment of the social causes of the method of calculation and issuance.

First, because the elderly, not enough long-term thinking, only the immediate small accounts, but not the big accounts after retirement! Now that they are retired, when they cash their paychecks, they see that the old people who paid more into the social security fund at that time have more pensions than they do, and they immediately regret it! But everything is too late!

Second, so we must think again and again before doing a thing, consider some, will not be fooled and suffer! Simple-minded people, always a regret, followed by another regret!

Third, I hope to lose the old people do not think too much, to learn from the lessons, good to make smart friends, so that they also become smart up, look forward, frankly face, pay attention to the body! The first thing you need to do is to get a healthy body, which is much more important than money!

Who has it is not as good as they have it, the amount of pension, directly affect the quality of life in our later years.

She is a colleague of mine who retired last year, with a monthly pension of more than 5,000 yuan, which is very nourishing. The sister I know, Li, was a pensioner last year, paying her own social security contributions and choosing the low end of the scale, only to open more than 2,200 yuan.

If you are a flexible employment, you need to choose the percentage of social security contributions, try to take advantage of the young can earn, pay a high percentage, so that the pension is high.

Downstairs every day to pick up the waste of the aunt I asked, is a rural, agricultural insurance less than 100 a month, she took into account the son, the daughter of the family are not easy, do not want to children's money, they pick up the waste of money to earn money.

Hello owner, some of the elderly pension is not a lot of regret that year's social security contributions to buy a low base, how do you see this problem? If you have reached the legal retirement age, and has been normal for retirement. Then this time, you only feel their pension treatment is relatively low, in fact, it is already too late, and belongs to the unhelpful. So this time you feel the low standard of social security contributions, there is no use.

We usually often say that the basic principle of pension insurance, then is to pay more and more long paid long such a principle. In order to be able to let everyone fully and clearly realize that the social security to pay more for their own benefit. Because after all, the ultimate benefit is our own, their own other people can not take away. Of course, in the future, if you do not care about the problem of low pensions, then you can also according to the minimum number of years or the lowest average contribution index to participate in the insurance. There is no problem, except that some people may regret it when they are old, then it is practically useless.

As a young person, there may be room for relief, which means that it is entirely possible for them to increase the number of years of participation, and also to increase their average contribution index. So what should we do? We should raise the contribution rate moderately within the limited number of years of participation in the future, so as to obtain a higher retirement pension. Definitely can not wait until after retirement to know this thing, it is too late to regret that time is too late, so that anything, should be sooner rather than later, pay the social security thing is the same.

If more than 60,000 dollars to kill me also do not pay, there are these money to do what can be earned out of the pension money, there are places to pay more than 100,000, but also can not get three or four thousand social security payments, a very bad.

If the enterprise to pay, is based on your gross salary calculation. But some private enterprises and private enterprises in order to save costs, there will be some methods, the worker's incentives are not counted as wages, so that workers pay less pension insurance. Because the pension insurance premiums workers pay 8% of their gross wages themselves and the enterprise pays 12%, the enterprise pays more than you do. In this way, you can reduce the cost of corporate labor wages.