Recently, the central government issued the plan for deepening the reform of the party and state institutions, which mentioned that in order to improve the efficiency of the collection and management of social insurance funds, the basic endowment insurance premium, the basic medical insurance premium, the unemployment insurance premium and other social insurance premiums were handed over to the tax authorities for unified collection.
Combined with the news that the central government has allocated assets to social security fund, the effect of the two child policy is not ideal, the aging problem is prominent, and the retirement is delayed gradually, we can synthesize a trend: the social security pension system is facing more and more urgent risks, or even a chronic crisis.
We have had relevant analysis before. Today I would like to talk about whether there are any ways to make the cost as small as possible, the social acceptance as high as possible, and the opposition as low as possible in the process of resolving this crisis.
At present, the public's Micro words about the social security system are mainly reflected in two aspects: one is the payment period and payment amount of pension and social security, which have little to do with each other. You pay 30 years and he pays 15 years, and the amount of money you take when you retire is not much different. The second is the most controversial delayed retirement. Although the Ministry of human resources and social security previously said that the specific plan would be announced in 2017, the plan has not been published until now.
Let's start with the pension and payment period. In the current scheme, the pension you get after retirement consists of two parts, one is the monthly basic pension, the other is the monthly personal account pension. Basic pension = the average monthly salary & times; (1 + personal average payment index) & pide; 2 & times; payment period & times; 1% of the province's employees in the previous year. Individual account pension = balance of individual account & pide; calculated months (195 for 50 years old, 170 for 55 years old, 139 for 60 years old).
The average payment index of an individual is the average value of the ratio of his actual payment base to the average social wage over the years. The lower limit is 0.6 and the higher limit is 3. Taking Beijing as an example, in May 2017, Beijing Municipal Bureau of human resources and social security and Beijing Municipal Bureau of Statistics jointly released the data of the average wage of the city's employees in 2016, with the average monthly wage of 7706 yuan. It should be noted that the average here is calculated based on the 'total wage', which includes all the labor remuneration such as wages, bonuses, allowances and subsidies, not only the post salary, but also all kinds of insurance benefits.
If you are an ordinary wage earner and retired in Beijing, how much is your monthly basic pension now? Let's assume that your personal average contribution index has always been the same as the social average wage, i.e. 1, then your monthly basic pension = 7706 & times; (1 + 1) & pide; 2 & times; payment period & times; 1%. When you pay 15 and 30 years, the final monthly pension score Not 1155.9 yuan and 2311.8 yuan.
If you start to receive pension from 60 years old and live to 82 years old in Beijing, then the monthly basic pension you receive (regardless of growth) in two cases will be 355000 and 610000 in 22 years, respectively, with a difference of 305000. It seems that it's a lot worse, but wait a minute. If you don't pay the social security for 15 years, and discuss with your boss to give you all the saved money (this is the gray area of course), then according to the 8% personal payment proportion and the 20% unit payment proportion, you can get about 110000 and 280000 more respectively, or 388000 in total.
If we consider the compound interest effect of these 15 years and the next 22 years, the gap will be huge. I've calculated for you. If you save 26000 yuan every year, you will buy the most secure financial management every year, with 5% income. It will roll once a year. After 15 years, the amount will roll to 589000 yuan, almost twice the amount you can get in 30 years. And if you can keep rolling without using the money after 60, by the age of 82, the amount will reach 1.72 million. I attached a table below for you to feel the power of compound interest.