What is the salary equivalent to 3000 social security base?

Generally speaking, enterprises help employees pay the minimum social security. Of course, some companies will pay social security for their employees according to the average salary of the previous year. You can check the latest social security base with the local social security bureau according to the latest release time.

Take the old-age insurance in Beijing as an example. In 20 16, the average monthly salary of Beijing employees was 7706 yuan, and the minimum payment was 7706*40%*20%=6 16.48 yuan. Other areas can be brought into the local average wage calculation.

Before answering questions, I need to answer some questions about pensions to the subject, which will help you understand my next answer.

How to pay social pension?

The unit is responsible for insuring and withholding the personal part, and the unit pays the unit part; If you don't have a unit, you can hand it in yourself. Generally speaking, 8% for individuals and 20% for units. The payment base is my average salary in the previous year. If the average wage in the previous year is lower than the local social wage, the social wage shall be used as the payment base.

What are the components of pension?

Those who participate in the social pooling of the basic old-age insurance for employees of urban enterprises in this city have reached the retirement age stipulated by the state, and the actual payment period (including deemed payment period, the same below) is over 15 years, and the basic pension is paid monthly. According to the latest pension calculation method, employees' pension consists of two parts:

Pension = basic pension+personal account pension

Personal account pension = personal account storage amount ÷ calculation months (50 years old 195, 55 years old 170, 60 years old 139, 120 is no longer unified).

Basic pension = (average monthly salary of employees in the whole province in last year+average monthly payment salary indexed by myself) ÷2× payment period × 1% = average monthly salary of employees in the whole province in last year (1+ average payment index by myself) ÷2× payment period × 1%.

Note: My indexed monthly average payment salary = last year's average monthly salary of employees in the whole province × my average payment index.

In the two kinds of calculation of pension, no matter what the situation, the higher the payment base and the longer the payment period, the higher the pension. Pensions are fixed indefinitely. As long as the recipient is alive, he can enjoy a monthly pension. Even if the personal account pension has been used up, it will continue to be paid according to the original standard. Moreover, personal pension will increase year by year with the increase of the average monthly salary of employees in society.

Therefore, the longer you live, the more you can get, which is definitely more cost-effective than paying.

Knowing the above knowledge, now I will answer this question for the subject.

To answer this question, we must first understand a basic question, is it cost-effective for units and individuals to pay social security at the same time?

Let's do a simple test. Suppose Xiao Wang is a 25-year-old young man with a current income of 10000 yuan. The current pension insurance can only enjoy pension benefits after 40 years. We can use the average social wage and market interest rate in Beijing over the years to predict the average social wage level in Beijing after 40 years, discount the pension obtained by social security when Xiao Wang is 65 years old, and compare it with the final value of monthly pension investment until he is 65 years old.

Let's first look at a social average salary table in Beijing over the years.

According to this table, we can calculate the geometric average of social wage growth in 24 years, which is about 15. 15%. Since 1993 to 1995, China's economy was accompanied by serious bubbles and financial risks of high inflation, the average wage growth rates of 1994 and 1995 were 32.74% and 44.56% respectively, both of which were outside the upper limit of 90% confidence interval, so it was deleted.

Therefore, the geometric average of wage increase during 1996 -20 16 is about 12.99%. In the same way, the geometric average of the corresponding interest rate during the period of 2 1 year can be obtained, which is about 6.97%. The interest rates over the years are as follows.

Exponential function, power function and linear function are used to fit the market interest rate and social wage growth rate, among which the power function is better, and the prediction function is y =1.9482x1.0167. 20 16 the central bank cut interest rates many times, and the era of ultra-low interest rates with loose liquidity is coming, which is likely to maintain low interest rates for a long time. Assuming that the long-term interest rate is 3%, it can be predicted that the average social wage growth rate is about 5.5 1%.

Suppose Xiao Wang's personal wage growth rate is slightly higher than the social average wage growth rate, which is 6%. From this, we can calculate the sum of the pension and unemployment benefits that Xiao Wang needs to pay every month in the future, as well as the five insurance expenses that the unit needs to pay, and at the same time we can get the wage index relative to Beijing in that year.

40 years later, when Xiao Wang is 65 years old, he can start to receive a pension. The average wage index of Xiao Wang in 40 years is 1.550587. After 40 years, the average monthly salary of Beijing society is 60,554 yuan, and social security has been paid for 40 years. Personal account pension is 1624069 yuan, which is paid in 120 months and 13534 yuan per month.

In the first year, Xiao gets a basic pension of 60554 * (1+1.550587)/2 * 40% = 30890 yuan, and the annual growth rate of social wages is 5.5 1%, and so on in subsequent months.

Suppose Xiao Wang doesn't pay social security, but puts his money into the market every month and gets a 5% return on investment (suppose Xiao Wang has financial knowledge and can get a return on investment that exceeds the market average, and assume that the long-term interest rate of five-year time deposits is 3%). The final investment value of the funds paid each year after 40 years of continuous investment is shown in the following table. By the age of 65, the final investment value of individuals is 3.455 million yuan, and by the age of 65, the final investment value of units is 65.438+0.310.03 million yuan.

If you don't pay social security, you can get 3,454,699 yuan by investing some of the funds paid by individuals in the market for compound interest investment; The unit pays part of the funds to invest in the market for compound interest investment, and can get 13,102,578 yuan.

In contrast, if the market interest rate of five-year deposits is 3%, if Xiao Wang has 5% investment ability, Xiao Wang only pays personal social security. When Xiao Wang's life expectancy reached 76 months after he was 65, the cash value of social security pension was just greater than personal investment until he was 65. The longer Xiao Wang lives, the greater the cash value paid by social security, so paying social security is more beneficial to Xiao Wang. When Xiao Wang's life span after 65 years old is less than 76 months, the present value of social security pension is less than the present value of personal investment, and paying social security is not good for Xiao Wang.

By the same token, through comparison, it can be seen that if the market five-year deposit interest rate is 3%, and if Xiao Wang has a return on investment of 5%, then Xiao Wang personally bears the personal contribution and company contribution of social security. When Xiao Wang lived for 336 months after he was 65, the cash value of social security pension was just greater than personal investment until he was 65. The longer Xiao Wang lives, the greater the cash value he gets from social security, so paying social security is more beneficial to Xiao Wang. When Xiao Wang's life span after 65 years old is less than 336 months, the present value of social security pension is less than the present value of personal investment, and Xiao Wang is not good at paying social security.