Endowment insurance is comprehensively calculated according to the payment base, payment period, individual account fund balance and the average monthly income of employees in the previous year, among which the payment period is particularly related to the amount of pension. The longer the payment period, the more the balance of funds accumulated in personal accounts, the greater the interest on funds generated, and the total amount of personal accounts will continue to increase, which is conducive to the promotion of personal account pensions. According to the relationship between the payment period and the pension, the pension will increase by 1% for each additional payment period. After retirement, the pension insurance is calculated according to the pension and personal account pension insurance.
For example, the pension is calculated according to the average of the sum of the average monthly income of employees in the previous year and the average contribution index salary of myself in previous years, and the pension is paid to 1% every year. It is likely that some good friends have some difficulties in understanding this narrative. For example. If the average monthly income of employees in the last year after retirement is 7,000 yuan per month, and their deposit bases in previous years add up to an average of 5,000 yuan per month, then the average sum of the two is 7,000 yuan plus 5,000 yuan divided by 2, which is equivalent to 6,000 yuan. This 6000 yuan is the calculated amount of pension, which will be paid to 1% every year. In fact, the pension for each year of contribution is 60 yuan. You have paid for 20 years now, and your monthly pension is 1200 yuan; If you pay for 40 years, the monthly pension is 2400 yuan, which is also doubled.
The other part is personal account endowment insurance. According to the above case, the average monthly deposit base is 5,000 yuan, so the monthly fund balance of personal account is 400 yuan, which is 4,800 yuan per year and 96,000 yuan in 20 years. If you pay for 40 years, it will be 192000 yuan. If everyone retires at the age of 60, the personal account pension insurance is 69 1 yuan for 20 years and 1382 yuan for 40 years. This is also a double definition. If the corresponding capital interest is added, the personal account pension insurance needs to be increased by 100 to 200 yuan.
According to this example, if you pay for 20 years, the monthly pension insurance premium is 189 1 yuan, and the monthly pension insurance premium for 40 years is 3782 yuan, which is also a double definition. However, this figure is only an example, and the specific data needs to be determined according to your own specific payment situation. In addition, the loan interest on the balance of some funds in personal accounts is actually very high, with an average of about 7% per year. Personal account is more than 654.38 million yuan per year, and the loan interest is 700 yuan. If the personal account exceeds 654.38 million yuan, and the annual interest exceeds 7,000 yuan, the payment will be made.
Generally speaking, social endowment insurance has been paid for 20 years since you were 40 years old. If it is a man, it will take about 20 years. If it is a woman, it will take 10 to 15 years. If you continue to work in your company, you will be paid again. Whether freelancers will pay again should be up to you. However, as can be seen from the above example, the longer the payment period, the greater the endowment insurance premium, which is not only a propaganda slogan in modern logic, but a real objective fact.