We all know that the principle of receiving pension is "pay more, pay more long". We get more pension when we pay more pension insurance to retire. Therefore, the higher the payment file, the more cost-effective. Many people ask which file is better for endowment insurance? How much difference will pension income be when retiring?
First of all, we need to understand the standard and proportion of endowment insurance for flexible employees?
The characteristic of flexible employees' payment of endowment insurance is that all the expenses paid by endowment insurance are borne by ourselves. If we pay according to the 20% proportion of endowment insurance basis, we will pay. Whether you choose 60% or 100%, the money returned to your personal account is 40%.
Let's figure out how much is 60% and 100% respectively?
The average social wage of Kunming in 2016 was 5297 yuan.
The fee paid by individuals at 60% level = 5297 x 0.6 x 0.2 = 635 yuan.
Among them, the money returned from the individual account is = 635 x 0.4 = 254 yuan, and the remaining 380 yuan goes into the account of the overall pension fund.
The fee paid by individuals at 100% level = 5297 x 1 x 0.2 = 1059 yuan.
The money returned from the individual account is = 1059 x 0.4 = 423 yuan, and the remaining 635 yuan goes into the account of the pension fund.
From the calculation, it can be found that the 100% payment is 424 yuan more than the 60% payment, of which the amount returned to the individual account is 169 yuan more.
We know how much money we spend. Let's see how much difference our pension income will be when we retire?
Flexible employees participate in the endowment insurance for urban employees, so the calculation of pension is the same as that of enterprise units.
Retirement pension = basic pension + individual account pension;
Suppose that the social average salary of Kunming in the previous year is 6000 yuan when retiring, and the payment period is 15 years. According to the analysis on the returned personal account, the 100% level is 1.6 times of the 60% payment level. Suppose that 60% of the personal accounts paid are 30000 yuan, and that 100% of the personal accounts paid are 48000 yuan.
Those who pay according to 60% grade:
Basic pension = 6000 x (1 + 0.6) & divide; 2 x 15 x 1% = 720 yuan;
Personal account pension = 30000 & divide; 170 = 176 yuan;
Retirement pension = 720 + 176 = 896 yuan.
Those who pay according to 100% grade:
Basic pension = 6000 x (1 + 1) & divide; 2 x 15 x 1% = 900 yuan;
Personal account pension = 48000 & divide; 170 = 282 yuan;
Retirement pension = 900 + 282 = 1182 yuan.
Finally, let's summarize:
The pension after retirement will not be much different between the same payment period and the same region
According to the above analysis, 100% of the monthly pension is 286 yuan more than 60%, on the surface, but from the perspective of expenditure, 100% is 424 yuan more than 60% of the monthly pension. Flexible employment itself is common people. It's more cost-effective to pay 60% for personal suggestions without fixed income sources.