#点亮真知计划 #
Someone asked in the headline: In 2021, the hunan pension calculation base is 6728 yuan, how much is the monthly pension for 30 years for individuals?
According to the analysis of the meaning of the question, the subject will pay the fee in 2021 as a flexible employment person, and the payment base will be 6728 yuan. According to The 100% payment in Hunan Province in 2021, the payment base is 5460 yuan, which means that the caliber of Hunan Province in 2021 should be 5460 yuan. See file below: Figure (1)
If the subject pays in 2021 with a payment base of 6728 yuan as a flexible employment person, then the subject payment index should be 6728/5460 = 1.23, and the subject asks how much should the 30-year pension be paid according to this standard? Since the 30 years of contributions did not indicate from which year the contributions began to the year in which 30 years of retirement were reached, the question was vague. If it is from 2021 to 2051, there are too many unknowns in the future, and it is difficult for anyone to predict, let alone calculate what is the monthly pension? No one can figure it out for you exactly. If you retire this year, it is impossible to pay 30 years in front, because from the 1996 pension reform in Hunan Province to establish a personal account, even if you start to participate in insurance from January 1996 to the end of this year, how can you pay for 30 years? If you really want to calculate 30 years of payment, and pay annually according to the standard of 6728 yuan in 2021, then you can only pay according to the same index standard every year, that is, the index 1.23 is about 120% of the payment, it is impossible to pay the payment base of 6728 yuan per year, whether it is impossible to pay forward and backward according to the same base, you can only pay with the same index. Because the index is multiplied by the social level as the payment base, the payment base is different from year to year. So you can only make assumptions to meet the requirements of what you want to get for your monthly pension. Suppose you started contributing at the age of 25 in January 1996, retired in December 2026, and paid for 30 years, and a female, retired at the age of 55. Then the annual social level from 1996 to 2021 can be found, the following takes the third-tier city of Yongzhou City in Hunan Province as an example and the publicity of the social level, because the social level before 2019 is the city social level, and then the provincial caliber social level, 2022 to 2026 Social level is predicted by 5% per year (see the data in the Excel pension calculation table below). The pension calculation is carried out below:
1. Data collection and collation
(1) In 2021, the province's caliber in the previous year was 5460 yuan, see Figure 1 Chinese pieces of public data.
(2) In 2026, the social level forecast of the previous year, with the assumption that the public data in 2021 will increase by 5% per year, will be valued at 6637 yuan.
(3) The actual average payment index is 1.23, calculated based on the 2021 payment base of the subject.
(4) 30 years of payment period,
(5) Personal account storage amount of 151447 yuan (see Excel chart Figure 2)
2. Pension calculation
(1) Basic pension = 6637 * (1 + 1.23) / 2 * 30 * 0.01 = 2220 yuan,
(2) Personal account pension = 151447 / 170 = 891 yuan,
(3) Pension = 2220 + 891 = 3111 yuan.
3. The amount of payment borne by the individual
(1) The individual bears the cost of 149948 yuan (see Excel table calculation),
(2) The individual bears the personal payment part of the fee recorded in the personal account of 99965 yuan (see excel table calculation),
(3) The total amount of payment borne by individuals is 249913 yuan.
Fourth, the Excel table calculates the pension
See Figure 2 below:
conclusion:
Suppose a woman began to apply for flexible employment insurance in January 1996, paid annually, paid 120% per year, paid a total of 250,000 yuan in 30 years of payment, and retired in a third-tier city in Yongzhou, Hunan in 2026, and is estimated to receive a pension of more than 3100 yuan.