How much money can you get paid each month after paying social security?

At this moment, the General Office of the State Council issued the "Opinions on Promoting the Development of Personal Pensions", which is a new type of pension insurance policy suffered a lot of people's concern, that is, if it is to pay "my own pension account", how much can I receive after retirement pension insurance money? We may wish to make a bold attempt to assume, to see how much money can be received after retirement?

The proposal calls for a "personal pension account" to be deposited with a ceiling of 12,000 yuan for each year of personal pension contribution, in other words, more than 1,000 yuan per month, assuming that the deposit is for 30 years, and after reaching retirement age, the account balance on the account will be able to reach more than 360,000 yuan.

Based on the analysis of data in 2020, the average life expectancy in China is 77 years old, assuming that the monthly "my pension account", set to receive the period of 20 years, according to the relevant legal retirement age, men aged 60 years old, women aged 55 years old, men in the age of 80 years old to receive the account balance of the account, women in the age of 75 years old to receive the account balance. Women in 75 years old to receive the account balance on the account, each year can receive 18,000 yuan, you can receive 1500 dollars per month of pension insurance benefits. (The above calculations do not take into account the interest on loans, if you count the interest on loans, the release of some more)

Naturally, participants do not have to follow the maximum limit level of payment of social security, economic development conditions are limited to reduce the amount of savings, for example, 500 yuan per month to the account, so that after 30 years of savings, the account balance on the account can reach 180,000 yuan per year to receive 9,000 yuan per year, the account balance on the account can reach 1,500 yuan per year. One year can receive 9,000 yuan, may be able to receive 750 dollars per month of pension insurance benefits. The calculation is based only on a fixed period of time and a fixed amount of contributions, but if the period of time is shorter and the amount of contributions is lower, the pension will continue to be lower after retirement.

According to the proposal, there are three main forms of pension, the first one is the above-mentioned monthly pension, the second one is a few times, and the third one is a one-time pension. If you die in an accident before or just after retirement, and you still have a balance in your pension account, you will be able to inherit the full amount of the remaining balance.

At the same time, we don't need to worry about the problem of broken contributions, because the proposal explicitly provides for the implementation of the rules and regulations of complete accumulation, no matter how long or how many months the payment is broken, in the end, they will all be pooled together for the calculation. The actual fact that you can't just get it halfway through the year, you can only pick the method of distribution after you reach the age of retirement, and once you pick the method of distribution, you can't change it at will, which is something you need to pay attention to.

In fact, the "personal pension rules and regulations" is more suitable for the old age of an assistance, the fundamental reason is that the pension insurance can be received is relatively low, the old age of the main source of income, but also solid social security payments. However, the "personal pension rules and regulations" are certainly suitable for savings and tax savings.

"Personal pension rules and regulations" is actually the end of their own deposits, our country to help control, and ultimately let you hand out a pension insurance benefits. If the "personal pension rules and regulations" in the national scale implementation of marketing promotion, you can pay social security?

For, you have any views, warmly welcome communication and evaluation. Here to give you a simple explanation, personal account pension insurance savings contain a part of personal contributions (at this stage of their own pension insurance, the contribution ratio is the social security contribution base of 20% up and down, in which 8% into the personal account) and its resulting interest; the contribution index is my specific contribution base and the proportion of the average social wage, for example, there is the ground on the average social wage for the current year is 5,000 yuan, Mr. Sun's contribution base is 5,000 yuan. Mr. Sun's contribution base is 3,000 yuan, then Mr. Sun's contribution index is 0.6 (contribution base in the local average social wage of the previous year 60% -300% of the middle).