According to data released by the Ministry of Human Resources and Social Security, there are more than 200 million people in flexible employment across the country. Their future pension is an important issue, do they choose to participate in pension insurance, or is it better to save their own money?
Judging from the situation of flexible employees who have retired in recent years, many of them are the basic pensions they receive after 15 years of pension insurance contributions according to the minimum base. This is the most cost-effective way to pay a fee. But the disadvantage is that the pension treatment is low, and it can only maintain a basic life.
The amount of money paid for pension insurance.
Judging from the changes in the upper and lower limits of the pension insurance payment base in Shandong Province in recent years, if you pay for 15 years according to 60% grade, the pension cost will not exceed 100,000 yuan. Medical insurance contributions have nothing to do with endowment insurance, and we can't mix them together.
If we simply save the pension insurance premiums every year, the principal and interest in the past 15 years will be 120,000 to 130,000 yuan. Such a little money is simply not enough to insist on long-term pension.
How much can I get for my retirement pension?
If you participate in the pension insurance for flexibly employed persons, the pension received at retirement is composed of two parts: basic pension and personal account pension.
(1) Basic pension part.
This part is mainly related to the average salary of the previous year of retirement, the average contribution index of the person, and the number of years of payment.
If the average contribution index is 0.6 (according to the 300% grade), the basic pension can receive 0.8% of the average salary of the previous year of retirement for each year of contribution.
The pension insurance contribution for 15 years is 12%, according to the average salary in 2023 or the calculation base of 6,401 yuan to 12,183 yuan, and the basic pension is between 768 yuan and 1,462 yuan.
(2) The pension part of the personal account is equal to the balance of the personal account of the pension insurance ÷ the number of months determined by the retirement age.
The balance of the personal account of the pension insurance is actually 40% of the contributions of the flexibly employed person into the personal account.
In previous years, the interest rate of personal account bookkeeping was very high, always above 6%~8%, and it has decreased in the past two years, like only 2.62% this year and 3.97% last year. If the minimum base payment is 15 years, the balance can be about 50,000 yuan.
The retirement personal account pension at the age of 60 is 360 yuan, and the retirement at the age of 50 is 256 yuan.
The two parts of the pension are added together, and the monthly pension is almost between 1000~1200 yuan.
Benefits other than the basic pension.
In addition to the basic pension, many places will also have certain local subsidies. For example, Qingdao's open city subsidy is 35 yuan per month, and some people also have price subsidies, water and electricity subsidies and other treatments. Every year, enterprise retirees in Shandong Province will pay 1,700 yuan for winter heating. On average, these benefits are close to 200 yuan per month.
After retirement, the pension will increase according to the increase in the average salary, and 2024 will be the 20th consecutive increase in the pension of the retired elderly. The pension of some elderly people has risen from 5 or 600 yuan to 3 or 4,000 yuan now. From this point of view, participating in pension insurance should be the most cost-effective thing for personal decision-making.
There are also funeral benefits. The funeral allowance is two months' per capita disposable income of urban residents in the province in which the person died in the previous year, and the survivor's pension is nine months. As residents' incomes grow, so will the standard of treatment.
In fact, the biggest advantage of participating in pension insurance is stability. I remember what a friend said, a pension is a sum of money that will be paid to your personal account on time every month, even if you have nothing. If you save money, you also need to worry about safe storage, and in the case of pensions, the state will take over completely.
Therefore, it is more cost-effective for flexible employees to participate in pension insurance. #养老保险#