Pay 60,000 yuan at a time and give me 1,500 yuan every month.

Because it seems like a good deal, many friends say "yes" without thinking about it.

Is it really a good deal?

uncertain!

Depends on who it is for.

Listen to me slowly.

1. Retirement age: The current retirement age for men is 60 years old and for women is 55 years old.

In the future, men will retire at 65 and women at 60.

In other words, for men, the retirement age is 40 years old and 65 years old.

In other words, you can get your pension when you are 65 years old.

2. Which payment method is more cost-effective: Hypothetical conditions: Mr. Wang: Male, now 40 years old, retired at 65, died at 90 (hypothetical, a bit cruel, everyone yearns for a long life, I am just for the convenience of calculation, 90 is also the case)

If your life span is higher than the average, it does not count as a disadvantage), choose "one-time payment of 60,000 yuan".

Mr. Li: The above conditions are the same as Mr. Wang’s, but he chose “monthly pension payment” and paid for 15 years.

1. Pay a one-time payment of 60,000 yuan, and you can receive a pension: 1,500×25×12=450,000, a total of 450,000 yuan.

In other words, Mr. Wang received a pension of 450,000 yuan in one ***.

2. The same amount is fine ① The payment period is calculated based on 15 years, and the one-time payment is 60,000 yuan, and the payment is 60,000÷12=333.33 yuan. That is to say, the monthly personal payment is 333.33 yuan, calculated based on 8% of the personal salary.

333.33÷0.08=4166 yuan.

In other words, if this gentleman pays 60,000 yuan in one lump sum, his monthly salary is equivalent to 4,166 yuan.

Calculated through the "Social Security Calculator" software, enter the payment base of 4,166 yuan, the payment period is 15 years, and when you retire at the age of 65, you will receive a monthly pension of 2,950 yuan, 2950×25×12=885,000 yuan, that is to say, Mr. Li*

**Received a pension of 885,000.

Mr. Li seems to have a better deal than Mr. Wang.

3. Why doesn’t Mr. Wang use Mr. Li’s payment method?

1. Xiao Wang may not have a job.

Cannot enjoy employee pension insurance benefits.

2. Mr. Wang’s company does not bear part of the expenses that the company should pay.

In other words, if you don’t pay 8%, you have to pay 100%.

3. The minimum amount of annuity payment base has also been adjusted.

The minimum base may exceed 4166 yuan.

In that case, more money needs to be paid.

The burden is heavier.

The above calculations do not take into account future changes.