There is a kind of treatment with the strongest capital appreciation in the calculation formula of endowment insurance, which is called endowment annuity. According to the payment period and the deposit base, you can receive a certain proportion of the average social wage in the previous year after retirement. For example, if you pay 60% for 40 years, you can get 32% of the average social wage in the previous year.
In Shandong Province, 202 1 the average social wage (the amount of pension services paid by retirees) in the previous year has reached 6893 yuan, so the basic pension benefits can be at least about 2200 yuan. Retirement will continue to rise in 2022.
Personal account endowment insurance is equivalent to the calculation month determined by dividing the personal account balance of endowment insurance by the legal retirement age. Our own personal account pension insurance system has been established all over the country, from 1992 to 1997. Prior to this, the transitional pension was calculated by adding the payment period and the deemed payment period.
Generally speaking, if the personal account pension insurance has no inflationary pressure, the personal account pension insurance can receive about 2/3 of the pension. Therefore, after 40 years of social security payment, the sum of pension and personal account pension insurance is likely to receive pension insurance below 3,500 yuan per month.
Choose a sufficiently strong payment base. There are upper and lower limits on the payment base of the old-age service insurance, which is generally 60% to 300% of the average social wage in the previous year. Some people will choose the minimum base of 60% for the sake of cost performance. However, if you pay 300%, the corresponding pension benefits are the most generous. Calculated according to personal salary, working years and endowment insurance. I think it's ok. The endowment insurance of 3500 yuan should be almost enough. When people are old, the expenses will not be as big as they are now.
For example, the upper limit of the temporary deposit base in Shandong Province in 2022 is 20,599 yuan. How much old-age insurance can I get if I pay 15 according to the upper limit of the deposit base?
Basic pension benefits, according to the number of people who pay 300%, can receive 2% of the average social salary of the previous year every year, and the payment of 15 can already receive 30%. According to the service for the aged in Shandong Province, the number of contributors is about 2 100. Every month, they take their social security cards to the bank to receive their pensions. This salary is also in line with local wage standards. When they reach retirement age, they should enjoy the state's retirement allowance, so there is not much objection to this matter.
Not long ago, a deputy department-level cadre of a small institution retired and experienced eight years of deputy department-level salary. The salary of its employees can get 6300 yuan every month after deducting various personal social security. After retirement, it is estimated that retirement pension and endowment insurance will be around 5,000 yuan, equivalent to 80% of on-the-job income.
If calculated according to this ratio, the monthly income of your third-level researcher in Jincheng, Shanxi Province is 3500/80%=4375 yuan. The income of a third-level researcher on the job is only more than 4300. It is estimated that there is no place where civil servants will be less scary. It is quite possible that you are mistaken.