Personal pension account 65438+ ten thousand. How much can I get after retirement?

The calculation of pension involves many factors, including payment years, personal account balance, social wages in the region, and the nature of the unit. For the insured in different units, the calculation method of pension is different.

Enterprise retirees, assuming that the social wage in a certain place is 6500 yuan, Li is an enterprise retiree in that place. Retired at the age of 60, paid 15 years, personal account balance100000 yuan, average payment index 1.06. Based on this information, Li's pension can be calculated. Personal account pension is equal to the personal account balance divided by 139, that is,100000 ÷139 = 719.42 yuan; The basic pension is equal to the average social wage multiplied by half of the average payment index and then multiplied by one percent of the payment period, that is, 6500× (1+1.06) ÷ 2×15×1%=1004.25 yuan. Therefore, the total monthly pension received by Li Can is 719.42+1004.25 =1723.67 yuan.

For retirees from government agencies and institutions, in addition to the payment period and personal account balance, it is also necessary to consider the pension insurance system of the same payment period and unit. Suppose that the social wage in a certain place is 6,800 yuan, and Cheng is a retiree from a public institution there, and will retire at the age of 55 in 2023. Cheng's personal account is 6,543,800 yuan, the average payment index is 654.38+ 0.7, and the total payment period is 654.38+05 years, which is regarded as 6 years. Based on this information, you can calculate the pension.

According to the old method, Cheng's pension is 3600 yuan. According to the new method, the personal account pension is equal to the personal account balance divided by 170, that is,100000 ÷170 = 588.23 yuan; The basic pension is equal to the average social wage multiplied by half of the average payment index and then multiplied by one percent of the payment period, that is, 6800× (1+1.7) ÷ 2×15×1%=1377 yuan; Transitional pension is equal to the social wage multiplied by the average payment index and then multiplied by 1.4% of the deemed payment period, that is, 6800×1.7× 6×1.4% = 971.04 yuan; Occupational annuity is equal to the average social wage multiplied by the average contribution index (4%+8%), then multiplied by 12, then multiplied by 9, and finally divided by 170, that is, 6800×/.7× (4%+8% )×12×.

Therefore, Cheng Can's monthly pension is 588.23+1377+971.04+881.28 = 3817.55 yuan. According to the policy, the insured who retires in 2023 will be paid 90% of the pension, so the actual pension is 3600+217.55× 90% = 3795.795 yuan.

What does an individual pension account mean?

Personal pension account refers to the account formed by individuals in the process of participating in endowment insurance according to individual contributions and government subsidies. Every time an individual pays a certain amount of endowment insurance premium, some of it will be used for personal account accumulation as the basis for receiving pension in the future. Personal account funds are managed by social security institutions in a unified way, and accumulated according to individual contributions and investment income. When an individual reaches retirement age, the amount of pension is calculated according to the balance of the individual account. Personal account is an important part of the old-age insurance system, aiming at providing old-age security for individuals.