According to the new regulations on delayed retirement, by 245, the retirement age will be 65 for both men and women. You have paid five insurances and one gold for nearly 4 years, and how much can you get when you retire at the age of 65?

(Note: This article will take Beijing's monthly salary of 5, yuan as an example, starting from the age of 25, with a total payment period of 4 years. )

1. Endowment insurance

We assume an ideal state for estimation:

Suppose you retire at the age of 65 this year, and your monthly salary has been 5, yuan for 4 years. The average monthly salary of employees in Beijing last year was 6,463 yuan.

total monthly payment = basic pension+personal account pension

basic pension = (average monthly salary of employees in the whole province in the previous year+average monthly payment salary of myself) ÷2× payment period ×1%

basic pension = (6463+5) ÷ 2× 4× 1% = 2292. ÷11=191 yuan

Finally, our monthly pension =2292.6+191=4193.6 yuan

We take Beijing's monthly salary of 5 yuan as an example, and pay it at the age of 25, with a total payment period of 4 years. Then when we retire, we will pay * * *:

individuals will pay 8% × 5× 4× 12 = 192 yuan

units will pay 2% × 5× 4× 12 = 48 yuan

and a total of 672 yuan will be paid.

In order to "return to our roots", we should at least get the essentials:

672, ÷ 12,4193.6 = 13.35

So, the post-8s and post-9s who rose up strive to live to 79 years old, so as to earn some money from the country. In order to realize this lofty ideal decision, we should be kind to ourselves, hmm.

Of course, this data is an estimate under hypothetical conditions, not to mention that our wages will increase gradually in the past 4 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 base 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 ×4%.

Second, medical insurance

We take Beijing's monthly salary of 5, yuan as an example, starting at the age of 25, and the total payment period is 4 years.

Then when we retire:

The company pays 5×1%×4×12=24

The individual pays (5×2%+3)×4×12=4944

The state will pay your own 2% into your medical insurance account every month.

after 25 years of medical insurance payment, you can enjoy it for life after retirement. You only need to pay 3 yuan's serious illness insurance every month!

III. Housing accumulation fund

We take Beijing's monthly salary of 5, yuan as an example, starting at the age of 25, and the total payment period is 4 years:

By the time we retire:

The total payment is 5,× (12% individuals +12% units )× 4× 12 = 576,

At retirement. If we haven't used the provident fund, we can raise a huge sum of more than 57 thousand when we retire.

Of course, it is not recommended that you do this. You can enjoy a very low interest rate when buying a house with provident fund loans, and you can also withdraw the provident fund when renting a house. The provident fund will only be calculated at the current deposit interest rate in your account, even if the depreciation of RMB is not considered, the income is extremely low.

IV. Work-related injury insurance, maternity insurance and unemployment insurance

When you retire, these three kinds of insurance will also be handed over to the state, and all of them are equivalent to invalidation, whether you use them or not ... Is the heart jam getting worse?

5. In order to avoid vomiting blood, you must know these five points.

1. Many places have paid endowment insurance, but none of them have been paid for more than 1 years, so you have to go back to your hukou to get it:

According to the current regulations, the endowment insurance should be refunded in the place where the payment has been the longest for more than 1 years. If you pay in several places and none of them has paid for more than 1 years, you have to go back to your hukou.

This also means that if you have paid 9 years and 11 months at the base of 5, yuan in major cities such as Beishangguangshen and Shenzhen, you will have to go back to the place where your household registration with an average salary of only 2, yuan in the previous year to get the old-age insurance. There is no more worry.

2. Those who have paid the old-age insurance for less than 15 years can't get the lifelong old-age insurance, and they will be refunded the personal contribution:

Generally, they have to pay for 15 years before they can enjoy the pension for life when they retire, so those who want to get the pension must start paying it 15 years before their retirement. If you have paid pension insurance for less than 15 years at retirement age, the state will refund all the 8%-9% pension saved in your personal account to you when you retire. The 2% paid by the unit will all be transferred to the national pension fund to contribute to the country, which has nothing to do with you.

3. In order to save expenses, the company doesn't pay five insurances and one gold according to the actual salary:

In order to save expenses, some units don't pay five insurances and one gold according to the actual salary, but only pay according to the minimum deposit base. For example, the actual salary of employees is 5, yuan, of which 3, yuan is privately transferred to personal accounts in various forms such as reimbursement and subsidies, and only 2, yuan is paid as the base.

Reminder: When choosing a company, you must ask about the payment base. At present, there is no exact legal definition and sanction basis for this kind of situation.

4. Enterprises don't pay five insurances and one gold on the grounds of registered permanent residence and files:

Now some companies don't provide employees with old-age insurance on the grounds that files are not in the company or registered permanent residence is not in the local area. These reasons are nonsense. You only need an ID card to get five insurances and one gold, which has nothing to do with your account and file.

Reminder: If you encounter such incidents, you can defend your rights through legal means. At the same time, it is also illegal for enterprises to force employees to transfer their file relationship to the company on the grounds of five insurances and one fund.

5. Medical insurance must be paid for 25 years before you can enjoy medical insurance for life after retirement:

If you don't pay for 25 years, you will only have the balance of 2% paid by those individuals in your account when you retire, and 1% paid by the company will be handed over to the state. In addition, medical insurance will be invalid if it is interrupted for more than 3 months. You must contact the new company to make up the payment when the payment is interrupted.

That is to say:

The post-8s and post-9s generation who need to retire at the age of 65. If we start working at the age of 25, taking Beijing's income of 5, yuan as an example, we have to pay nearly 2 million five insurances and one gold 4 years ago. Finally, when you retire, you can get a monthly pension of about 4, yuan, a total of 5, personal contributions to medical insurance (unused), a total of about 47, provident fund (unused), and lifelong medical insurance.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.