First of all, let's look at the payment ratio of five insurances and one gold.
After paying five insurances and one gold for so many years, how much can I get for retirement? Did you succeed?
(Note: Different units pay different proportions. In this paper, the proportion provided by China Social Security Network is used for calculation and rough estimation, and everything is subject to everyone's own situation. )
First, endowment insurance, how much is it? how much is it?
The monthly salary is 4000 yuan. How much will you pay in 40 years?
Suppose you start working at the age of 25 and retire at the age of 65, then you have paid five insurances and one gold for 40 years. Suppose your salary is 4000 yuan, then:
(Note: The above data are hypothetical. After all, different units have different wages and different payment bases.)
Individual payment: 8%×4000×40 years × 12 = 153600 yuan.
Unit payment: 20%×4000×40 years × 12 = 384000 yuan.
Total: 153600+384000=537600 yuan.
A total of 537600 yuan was paid. OMG has paid so much!
How much can we get?
Total monthly payment = basic pension+personal account pension
Basic pension = (last year's average monthly salary of employees in the province+my average monthly payment salary) ÷2× payment period × 1% (assuming that the average monthly salary of employees in the province in the previous year was 8,000 yuan when retiring).
That is: (8000+4000)÷2×40× 1%=2400 yuan.
Personal account pension = personal account storage amount ÷ personal account pension calculation and issuance months
(Note: When the retirement age is 65, the number of pension months in personal account is 10 1 month)
Namely:153600 ÷101=1520 yuan.
Total monthly pension =2400+ 1520=3920 yuan.
How can we "return to nature"?
We need 1 1.49 years to "return to the original":
537600 ÷12 ÷ 3900 =11.49 years
Therefore, post-80s and post-90s strive to live to 77 years old, so as to earn some money for the country. In order to realize this lofty ideal, they decided to be kind to themselves. Well, cook 2 packets of instant noodles tonight, and occasionally come to a local tyrant!
Of course, this data is a hypothetical estimate, not to mention that our wages will gradually increase in these 40 years, and the average salary of employees in the previous year will definitely increase when they retire at the age of 65! Here is a simple way to estimate the basic pension. If your monthly basic salary is the same as the average monthly salary of employees in your province in the first half of the year, then the basic pension you can receive after retirement = the average monthly salary of employees in the previous year ×40%.
Second, medical insurance, how much is it? how much is it?
The monthly salary is 4000 yuan. How much will you pay in 40 years?
Unit payment: 4000× 8 %× 40×12 =153600 yuan.
Individual payment: (4000×2%+3)×40× 12=39840 yuan.
The total investment * * * is 193440 yuan.
What can you enjoy?
The state will transfer 2% of your own money to your medical insurance account every month. The money can be accumulated and directly used to buy medicine or go to the clinic. 10% paid by the company will get the medical pooling fund.
After 25 years of medical insurance, you can enjoy it for life after retirement. You only need to pay 3 yuan's critical illness insurance every month!
Third, the provident fund, how much to pay? how much is it?
The monthly salary is 4000 yuan. How much will you pay in 40 years?
The total contribution is 4000×( 12% individual+12% unit) ×40× 12=460800 yuan.
What can you enjoy?
When you retire, all the money in the provident fund account can be taken out, including company contributions and individual contributions. If you haven't used the provident fund, you can raise more than 460 thousand yuan when you retire.
Of course, it is not recommended that you do this. Provident fund loans can enjoy extremely low interest rates when buying a house, and you can also withdraw provident fund when renting a house. The provident fund will only calculate the income in the account according to the current deposit interest rate, even if the depreciation of RMB is not considered, the income is extremely low.
How much should I pay for industrial injury insurance, maternity insurance and unemployment insurance? how much is it?
When you retire, these three will be handed over to the state, which is equivalent to failure, whether you have used them or not ... Is the congestion getting worse?
finally
If you retire at the age of 65 and start working at the age of 25, your monthly income is 4,000 yuan, and you have to pay 537,000+193,000+40,000+460,000 =123,000 for 40 years.
After retirement, you can get:
■ The monthly pension is about 3920.
■ A total of 40,000 medical insurance personal contributions (unused)
■ A total of about 460,000 provident funds (in the case of unused)
■ Lifelong medical insurance
Of course, under normal circumstances, there will be many situations that make you vomit blood in real life. You must pay attention!
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.