Pay social security by yourself, how much pension can you get after 8000 yuan per year 15?

Social security is social insurance, mainly including endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, which is what we often call "five insurances". Many netizens on the internet are asking a question, that is, paying social security, paying 8000 a year. How much will they get after 15? Let's discuss this problem.

/kloc-how much can I get after 0/5? It is possible to pay 8,000 yuan a year, which is probably employee pension insurance or resident pension insurance, because the maximum payment limit of resident pension insurance in some areas has reached 8,000 yuan, or even exceeded 8,000 yuan, so it is possible to pay 8,000 yuan a year, so through general calculation, the final result is 65,438+.

But we are specific, how to choose which kind of endowment insurance, in fact, the result of your final pension may still be very different. Every year will not be an integer standard, that is, 8,000 yuan, maybe 8 100 yuan and 8,200 yuan, which is the characteristic of employee pension insurance. Moreover, there is a great feature, that is, the average social wage is basically increasing by about 5%~ 10% every year.

Suppose you choose to pay 8000 yuan for urban and rural residents' old-age insurance, then in fact, the past and future 15 years will remain unchanged. Such a consumption level is 8,000 yuan, and then120,000 yuan is divided by the corresponding number of months, and the result is about 863 yuan. This personal account pension. In addition to personal account pension, there are also some personal basic pensions. I think you can finally get a pension income of 1000 yuan or more.

However, in the process of annual pension adjustment, the gap between the two is still relatively large. The adjustment of employee pension is mainly based on quota adjustment and tilt adjustment. If you choose one of the two, I think employee pension insurance should be given priority. After all, you can pay 8000 yuan a year, so it should be more reasonable to choose employee pension insurance.

Someone asked, what would you think if everyone's pension was unified to 3000 yuan one day? Well, at present, the principle of pension calculation and payment is to pay more and pay more for a long time, not to adopt a unified and fixed payment standard. First, everyone's enthusiasm for participating in insurance will be greatly reduced. Anyway, it's the same whether you pay more or less. Who will pay for social security? Second, the unified payment according to the standard of 3,000 yuan will bring great pressure to the social security fund. On the one hand, the payment amount is small. On the other hand, if you pay more money, where does the other money come from? It is obviously unsustainable.

Endowment insurance is divided into two accounts: the overall account and the personal account, which correspond to the basic pension and the personal pension at retirement respectively. As on-the-job employees, that is, employees who pay fees through the unit, the expenses are shared by the unit and the individual. But in practice, it is impossible to have such a result. Generally, the average annual payment will be higher than 8000 yuan, mainly because the payment base is increasing every year.

To sum up, individuals pay 8,000 yuan a year for social security. The figure of 8,000 yuan is not fixed and needs to change according to the change of the payment base. Of course, if you choose the endowment insurance for flexible employees, you may pay 8,000 yuan this year, and there will be a certain degree of growth next year. At the same time, it also affects the calculation of average payment index salary. It is estimated that the average monthly salary of employees in the previous year after 15 will be much higher than the level of 6000 yuan.

Because the pension is comprehensively calculated according to the payment base, payment period, personal account fund balance and the average monthly salary of employees in the previous year, it is impossible to draw a more accurate calculation conclusion.

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