Due to the rise of enterprise annuities in major enterprises, the benefits that office workers can enjoy in the future may become five insurances and two gold, so enterprise annuities are full of temptations for many people, but I don't know the specific payment method and proportion. How much should I pay for the enterprise annuity? Introduce in detail.

how much should I pay for the enterprise annuity?

The enterprise annuity payment must first establish a personal account, and then the enterprise and employees will pay the insurance premium in a certain proportion on a regular basis, so the occupational annuity is equal to the unit contribution plus the individual contribution. Enterprise contributions shall not exceed 8% of the total wages of the employees of the enterprise every year, and the total contributions of enterprises and employees shall not exceed 12% of the total wages of the employees of the enterprise. The specific expenses shall be determined through consultation between the enterprise and the employees.

payment base: the part where the personal salary exceeds the average salary of local employees in the previous year by more than 3% is not included in the personal payment base; If it is lower than 6% of the average wage of local employees in the previous year, the individual contribution wage base shall be calculated according to 6% of the average wage of local employees. Of course, the situation of each company is different, and the income of enterprise annuity may be shrinking due to inflation, so the state will adjust the contribution ratio of unit and individual employee annuity according to the economic and social development.

what the employee pays belongs to himself, and what the employer pays can belong to the collective or be allocated to the employee himself. Enterprise employees need to bear the investment risk of annuity fund, so enterprise annuity is not completely risk-free and completely beneficial, and everyone needs to be cautious.