How much money do you have to pay a lump sum of 15 years of retroactive pension in 2017

Today's society, most people have been insured, especially the pension insurance, directly related to each person's future livelihood issues. In fact, although you pay social security every year, but for the retirement can receive how much pension you do not know. In particular, the people of Wuhan, even introduced this housing restrictions, not in Wuhan local social security paid 10 years of people can not buy a house, meaning that you want to buy a house in Wuhan, the trouble of making up the first 10 years of social security.

The topic of discussion today is: how much money can I receive per month if I make up 15 years of pension insurance in 2017? According to the latest policy regulations: men aged 60 years old when the accumulated contribution period has not reached 15 years, regardless of when to start participating in the insurance premiums, can be a one-time wholesale payment to the full 15 years. (But note that urban workers' basic pension insurance is generally not a one-time payment of 15 years)

The pension consists of two kinds of pensions: basic pension and personal account pension.

Basic pension: it is based on the average of the local employee's salary and the indexed average monthly contribution salary of the previous year, the algorithm: the average monthly salary of the local urban on-the-job workers in the previous year at the time of retirement + the average monthly salary of the local urban on-the-job workers in the previous year at the time of retirement × the average contribution index) ÷ 2 × the number of years of contribution × 1%

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Personal account pension: it is obtained by personal account storage amount ÷ number of months of accrual. The number of months of payment is determined by the age of the employee at retirement, the average life expectancy of the population, and interest and other factors. For example, if an employee retires at the age of 60, the corresponding number of months is 139. Algorithm: Individual account pension = individual account savings ÷ number of months.

So if you retire at age 60 and have also paid 15 years of pension insurance, and you retire in Shenzhen, Guangdong Province, and the average monthly salary of local urban on-the-job workers in the previous year at the time of retirement is 7,000 yuan. The average contribution index at this time is 1.0 and the monthly contribution is 500 RMB. The pension you will receive upon retirement is the total of the basic pension and the individual account pension. The base pension is (7,000 + 7,000 x 1.0) ÷ 2 x 15 x 1% = $1,050, while the personal account pension is 500 x 12 x 15 ÷ 139 = $647. Add the two together, and that's a $1,697 pension you'll get each month.

15*12*500=90,000 yuan, the total *** pay 90,000 yuan before the age of 60, retired every month to receive 1,697 yuan, a year is 12*1697=20,264, so as long as you are guaranteed to live at least to the age of 65, that is still cost-effective, and nowadays, the level of medical care in general to live beyond the age of 70 years is not a problem, so it's still cost-effective.

But the problem is that China's pension deficit is now expanding significantly, many provinces have long been unable to meet expenses, in order to make up for the shortfall, and even killed into the stock market to cut a small leek, in the ever-changing Chinese stock market, earn money that is okay, to be set up, then who can come to the rescue of the Lord? Whether or not you can still get a pension after retirement as expected? Only fear ....