From the perspective of investment income: If we deposit 100,000 yuan, calculated based on an annual interest rate of 5%, and pay a monthly pension of 1,900 yuan, this deposit will be exhausted after 5 years.

If we want to receive a pension of 2,000 yuan per month, and the receiving period can reach 20 years on average, how much principal is needed?

(Assuming that you live to 80 years old, the investment rate of return is 5%) The result is 300,000 yuan.

In conclusion, if we want the government to provide this pension, the government should subsidy 200,000 yuan when we pay 100,000 yuan to reach the corresponding pension level.

This situation is too burdensome.

Our country’s social pension insurance. The current types of pension insurance in our country are mainly divided into two types: basic pension insurance for employees and pension insurance for urban and rural residents.

Basic pension insurance for employees The basic pension insurance for employees is a pay-as-you-go system that uses the social insurance premiums paid by young people today to support retired elderly people.

At the same time, the state finance assumes the final responsibility for pension insurance.

Additional pension insurance subsidies are also provided every year. In 2016, the state provided 800.4 billion yuan in subsidies for employees' basic pension insurance.

At present, the accumulated balance of the basic employee pension insurance fund is still quite large, about 5 trillion.

However, due to the rapid growth of social average wages, this money is still relatively depreciating.

However, the growth rate of the average social wage has also brought about the continuous increase in pension insurance payments. Anyway, each has its own advantages and disadvantages.

The benefits of basic employee pension insurance are mainly linked to the average social wage, so the growth changes are very large.

However, the corresponding pension model can still maintain a return on capital in about 10 years if the average salary remains unchanged.

However, employee pension insurance also provides various benefits such as funeral expenses and pensions. In short, the benefits are quite generous.

However, employee pension insurance will never require a payment of 100,000 yuan and a retirement benefit of 2,000 yuan. Most people will only receive about 1,000 yuan when they retire.

Some farmers who have lost their land have had care policies in the past. When they lost their land, they could pay for their own employee pension insurance, and the state would also provide certain subsidies.

Everyone knows that the income and savings of farmers in most areas are generally not high. If they are asked to spend 100,000 yuan per person at once, not many people can do this.

A one-time repayment like theirs, after all, the repayment period is relatively long and is not 15 years, there is a certain possibility of receiving 2,000 yuan.

Urban and Rural Resident Pension Insurance Urban and Rural Resident Pension Insurance retirement benefits are composed of basic pension and personal account pension.

Basic pension is a welfare pension benefit fully subsidized by the government, and the standards vary from place to place.

It is 118 yuan in Shandong Province, 168 yuan in Qingdao City, 175 yuan in Qinghai Province, and only 90 yuan in Heilongjiang Province.

The highest prices in the country are in Beijing and Shanghai, reaching 710 yuan and 930 yuan respectively, and it is expected to increase in 2019.

The calculation method for personal account pension benefits is exactly the same as that for employees. It is equal to the cumulative balance of the personal account divided by the number of months determined by the retirement age. The number of months for pension payment at age 60 is 139 months.

If a one-time additional payment of 100,000 yuan is made, the pension benefit will be 720 yuan per month.

If there is a national subsidy for landless farmers, and the subsidy amount can reach 40,000 yuan, they can receive a monthly pension of 1,000 yuan.

Under such circumstances, the salary in Shanghai can reach 1,930 yuan, which is close to 2,000 yuan.

Conclusion The test of paying pension insurance is the risk.

If we make a one-time repayment and enjoy the pension benefits after the repayment, the meaning of monthly payment for pension insurance will be gone.

In order to maintain social fairness, in the future, one-time supplementary payment policies like this will become less and less frequent, become more and more strict, and the related benefits will become lower and lower.

Therefore, it is better for workers who have the conditions to pay social security as soon as possible to avoid suffering losses when they are old.