Is pension insurance reliable?

 

Most people who work now have labor contracts, and most people who have labor contracts pay the so-called three gold mainly based on Pension Insurance. I guess more than 95% of them do not understand what pension insurance is, I don't know how much money I can get after retirement. This article aims to let some people know before they regret it.

In fact, I did not know the first two or three years of my graduation. Of course, I did not delay my time for hard-learning knowledge. like ordinary people, I do not have this consciousness. Later, I came into contact with commercial insurance and repeatedly looked at it. I basically understood the rules at that time:

Based on the average salary of the individual in the previous year and month, the individual pays 8% yuan, and the unit pays 22% yuan. The payment amount is included in the personal pension account and 22% of the payment amount paid by the Organization. This part is always owned by the individual. In addition, the part paid by the Organization is listed as the overall social pension account.

How much do I get after I retire? If you have paid the service for 15 years, the pension is divided into two parts, one of which is 1/120 of the personal account, which is equivalent to finishing the service in 10 years. Of course, this does not mean that the service will not be available in 10 years and will not last until it passes away. The second part is 20% of the average social wage at that time.

Assume that there is currently a white-collar professional who has a monthly salary of 4000 yuan, then the individual adds a unit each month and pays 440 yuan for his personal account, which is 5280 yuan a year. Assume that the salary increases by 5% every year and has been paid for a total of 25 years, the personal account has a total of 251998 yuan, and part of the pension is 251998/120 = 2099 yuan. If the current average social wage is 1500, an increase of 5% every year, then the average social wage after 25 years is 5079, then another part of the 20% pension is 1016 yuan. The total pension is RMB 3115.

Is there a lot? But don't forget about inflation. If prices increase by 3% every year, that is, the equivalent of RMB 3% in cash depreciation every year, these pensions will be equivalent to RMB 1488 in the past 25 years. Actually there are quite a few. Although it is only equivalent to 4000 of the current monthly salary of 37.2%. This 3% is not just about it. In 100, the CPI in the United States was an average of 3%.

However, in the past two years, China's pension rules have undergone major changes:

1,All the payments made by the organization are under the overall planning account,3%No longer owned by a personal account.

2,A part of the pension is no longer equivalent to the average social wage at that time.20%, But according to the payment periodIf you have paid for 15 years, it is 15%. If you have paid for 30 years, it is 30%.

Or the above example is 5079 × 25% = 1270.

3,Another part of the pension is no longer owned by a personal account.1/120It is based on the retirement age and the average social life at that time.If the average social life expectancy at that time was 80 years old, and the retirement time was 60 years old, a difference of 20 years, one of the pension amount is personal account amount/-× 12.

In the above example, if the 60-Year-Old retires, the average social life of the time was 80 years, that is, 251998 × 8%/11%/763/× 60 × 12 =.

A total of 2033 RMB, depreciating by 3% RMB per year. The pension amount after 25 years is equivalent to 998 RMB, which is generally higher than the minimum wage in various regions. This is only equivalent to less than 4000 of the current 25% monthly income.

Therefore, this pension system is particularly unfavorable to high-income users. Because the overall planning is the same regardless of the amount of money paid.

 

What if I have paid my pension for less than 15 years? Let's get rid of your stinking duck eggs. You don't have any money. In fact, this is already a means of looting migrant workers in cities, because different regions cannot uniformly pay their pensions. An individual can only take away the money in his/her personal account. Which province is willing to receive the small money and generate a pension fund from his/her own province for the old-age support of the migrant workers? Isn't it a dream?

Therefore, it is recommended that you do not pay a pension if you cannot confirm that you have been working in that city for more than 15 years, it is possible that the company is willing to share with you the equivalent of 22% of the monthly salary, for example, 10%.

Is it possible that the pension system will change? Of course it is possible. Because the country has not actually signed a pension insurance contract with an individual. Laws can be changed at any time. I have heard that it may not be true, that is, six people are paying for the money, and one is taking the money. When a person aged 30 retires, four people are taking the money, and one person is paying the money. Is this money enough? I believe this data in the first half, but I do not believe it in the last half. Anyway, I see a piece of data. The pension system in the United States will go bankrupt by 2042, because someone wants to take money according to the system arrangement, but there is no money to get it.

The basic fact is that China is not old, not rich, and demographic dividend is a lie. Even if there is a dividend, who will take it away? I think it is definitely not an ordinary man without power. Sometimes I feel very strange when I hear about pensions for retired people. According to the pension rules, the amount of money added can only be 20% of the increase in the average social wage, but it is obviously much higher. Could you give me the money? The money is definitely not falling from the sky. Who's the benefit of this? Although my dad's pension has obviously increased, I feel inappropriate.

Is there any way to deal with your pension problems? I think the Fund has the best regular investment. Considering that the U.S. stock market has risen by 100 every year since 10%, users who buy a fund of 200 yuan per month will enjoy an annual value-added value of 10% and a value-added value of 1 million and 4000 yuan in 38 years, the monthly investment is 2 million, and 2 million is 5% after 38 years. If the annual interest rate is 0.1 million, the deposit interest income also has 3%. If the currency depreciates by 0.1 million every year, the 32523 after 38 years is equivalent to 2710 yuan, which is equivalent to Yuan of monthly income, it is equivalent to 67.75% of the current monthly salary. The key is another 2 million, but there is no pension.

The computation in this article is not necessarily rigorous, and there are many assumptions. Because the monthly income is different and the payment time is different, the pension is also different. At the same time, check whether the assumption that the CPI is 3% per year is correct. Check it again after 25 years or 38 years. If I am right at that time, I hope some netizens will leave a message in my blog saying: You old guy is really accurate. Maybe I laughed, and eventually left 10 million to 0.1 billion cash assets.

The following are two articles about the Fund's fixed investment:

Winning of Fund Investment

About Fund Investment and yifangda (2)