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How many files is endowment insurance better to buy? The highest number of social endowment insuranc

The basic endowment insurance for enterprise employees is not divided into several files, which are determined according to the level of your payment base. At present, the minimum payment is 15 years. So how many files is it better to buy endowment insurance? What is the highest level of social endowment insurance?

1. Monthly pension is composed of basic pension and individual account pension.

(1) Basic pension = (monthly average wage of on-the-job employees of the previous year when the insured receive the benefits + monthly average payment wage of the employee's indexation) & divide; 2 & times; total payment years & times; 1%

(2) Personal account pension = personal account deposit & divide; calculated months. The number of months calculated and issued corresponds to the age at which I received the treatment, including 195 months at the age of 50 and 139 months at the age of 60.

2. For those insured before December 31, 1997, their monthly pension benefits also include transitional pension.

Transitional pension = average monthly wage of employees on duty in the previous year when the insured retired & times; average payment wage index before the end of 1997 & times; total payment years before the end of 1997 & times; 1.4%

It can be seen that there are five main factors that affect the treatment of monthly endowment insurance: first, the level of my payment wage; second, the period of my payment; third, the amount of my personal account storage; fourth, the age when I received the treatment; fifth, the average monthly working capital of the employees on duty in the previous year when I received the treatment.