How much pension can the average elderly get after retirement?

The amount of pension you can get after retirement depends on the length of your service and your job position, as well as the difference in your region and unit. After the retirement of the elderly in big cities, the salary will be relatively higher, and the salary of the elderly in the third and fourth tier cities will be less, basically around 2,000 to 3,000, and those who retire early will get a lot less money than those who are retired now.

1. The pension of people in big cities is relatively high, 6000-8000 yuan

A few days ago, we just discussed this topic on the Internet, and netizens left me a message saying that he is a retired worker in a city in Shandong, he is retired from a state-owned enterprise, working in the power system, and his monthly pension is now more than 8,000 yuan, which is very high. It is the same power system, but we can't compare with him, because he mentioned that he is an ordinary worker, so I concluded that he may be a worker of the Electric Power Bureau, because after our power construction workers retire, they have worked for 40 years, and a friend just told me a few days ago that he can get more than 5,000 yuan. Therefore, the same power sector, but there is no way to compare, the bigger the city, the higher the salary they get about 6,000 to 8,000 yuan, maybe some university professors or teachers in key middle schools may have more money, tens of thousands of yuan.

2. The pension in small cities is small, about 2 to 3,000 yuan

My mother is in a fourth-tier city in Inner Mongolia, and her pension is only more than 2,000 yuan, because she is a collective worker and she retired from illness, so she has very little money. There are some elderly people who retire early in our unit, and they get very little money, even male workers only have more than 3,000 yuan, but everyone also knows that they retire early and pay less money, and now retired people pay very high pension insurance every year. So these things are proportional, a few days ago a friend in Shandong Taishan also left a message to me, saying that his monthly pension is only 1600 yuan, so I don't know what the specific situation is.

However, I think it is normal to be able to drive about 2 to 3,000 yuan in third- and fourth-tier cities, which is basically the amount of money in our three eastern provinces, and the retirement salary of people in their seventies and eighties is relatively low.

Because we are also middle-aged people, so we are more concerned about this topic, a few days ago others told us that it is mainly related to the length of service, the job position, how much money is paid every month before retirement, etc., for example, cadres have more pensions than ordinary workers. I think now, I hope I don't catch up with the delay in retirement, otherwise I will continue to survive in this life.

The elderly who have paid social security can get a pension of about 1,000 to 2,000 after retirement, depending on how much money the company paid for you at that time, but generally there are at least one or two thousand.

Generally, the pension that the elderly can get after retirement is 1 3 or 1 4 of the normal salary, of course, there will be pension insurance and some other insurance income when they retire now.

Generally, the elderly can get a pension of about 3,000 yuan per month after retirement, and the welfare treatment is very good, which can make the elderly live happily in their old age.

Generally, after retirement, the elderly are linked to their own pensions, and the more they pay, the more they may retire.

We have paid pension insurance for many years, how much money can we get a month after retirement? The following is a simple diagram to help you understand, how much pension can you get after retirement? Read on to learn more!

How much pension can you get after retirement For example: if you retire at the age of 55, you have 80,000 yuan in your personal account in the year of retirement, your average monthly salary in the previous year is 5,000 yuan, your average monthly contribution wage index is 1, and your payment period is 30 years as of retirement, then the pension you receive in the first month after retirement = (5000 + 5000 * 1) 2 * 30 * 1% + 80000 170 = yuan. What about social security if I leave my job?

This is usually done in two ways: I leave my job and I don't have a job for a while. Pension insurance and medical insurance can be paid by individuals, and the specific handling of how to handle it varies from place to place, so it is recommended to consult the local social security bureau.

If you change to a new job, you can continue to pay with a new unit, and the pension insurance payment period can be cumulative. Even if you change jobs and go to different cities, pension insurance can still be transferred and accumulated in different places. If you rely only on your pension after retirement, your quality of life may be greatly reduced.

According to the previous formula, the personal salary replacement rate of the pension can reach 20%, which is a good situation, and the higher the income, the lower the replacement rate. For individuals, planning ahead is the last word. Here are three tips for managing your finances after retirement:

1) Early planning: According to the inflation rate, income growth rate, investment rate of return, current income and expenditure level, current savings, and monthly income and expenditure after retirement, you can roughly calculate the funding gap when you retire. (2) Save more money:

Actively invest in financial management, and gradually increase the part of financial income as you get older, so as to make up for the sharp decline in salary income after retirement. (3) Buy insurance: Since it is difficult to ensure a comfortable life after retirement with a pension alone, it is recommended that you consider buying a commercial pension insurance, but you should consult a lawyer for details.

Article 12 of the Social Insurance Law of the People's Republic of China Article 12 An employer shall pay basic pension insurance premiums in accordance with the proportion of the total wages of its employees as prescribed by the state, which shall be credited to the overall planning of basic pension insurance. Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts. Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexibly employed persons who participate in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the provisions of the state, which shall be credited to the basic pension insurance co-ordination and personal accounts respectively.

The calculation of the pension involves a variety of parameters such as your full contribution period, the annual contribution base, retirement age, when to participate in the manuscript and work, when to start paying, when to retire, the average monthly salary of employees in the province or city over the years, and the bank deposit interest rate for the same period over the years.

Basic pension = basic pension + personal account pension + transitional pension = 20% of the average monthly salary of employees in the city in the year before retirement (15% for less than 15 years) + personal account principal and interest and 120 + indexed average monthly payment salary before the end of 1997.

For example: Miss Li's monthly salary is 4,000 yuan and she has paid for more than 15 years, and she receives a pension of 1,080 yuan after retirementMiss Li's average monthly salary is 4,000 yuan, and the pension insurance payment period is 15 years. According to the current pension system, the monthly pension that Miss Li can receive after retirement = 3,000 yuan 20% + 4,000 yuan 11% 12 15 120 = 1,260 yuan.

There is no guarantee base for the amount of pension, and the staff of the Social Insurance ** Management Center of the Human Resources and Social Security Bureau shall calculate how much it is in accordance with the national pension insurance policy and local implementation rules. At present, China's pension amount is calculated and linked to three factors: (1) the number of years of social insurance (that is, the so-called "length of service"), the longer the number of years of social insurance, the higher the pension amount, some provinces, autonomous regions and municipalities directly under the Central Government divide the length of service into 15 years, 20 years, 25 years, 30 years, 35 years, 35 years or more six grades, the higher the grade, the higher the pension amount.

There are also places where there is no grade, and one year of service is counted as one year of service, and the maximum length of service is 44 years (calculated according to the age of 16 and retirement at the age of 60).

2) The balance of the personal account of the pension insurance (hereinafter referred to as the "personal account matching balance"), the higher the balance of the personal account, the higher the pension amount.

3) The level of local socio-economic development in the previous year of retirement (referred to as "regional differences"), the higher the level of local socio-economic development, the higher the pension amount. The pension amount of those who retire in Beijing, Shanghai, Guangzhou and Shenzhen is definitely much higher than that of those who retire in the poor areas of the old and the young. In addition, in some places, the staff of the Social Insurance ** Management Center of the Human Resources and Social Security Bureau also follow the principle of "seeing the amount of the pension when calculating the amount of the pension", assuming that the amount of your pension is calculated according to the above three factors, and the actual amount is 2346 yuan.

There are also places where the calculation results are accurate to the angle or even to the minute, and the actual amount issued is yuan and yuan respectively.

Hello, this is not easy to say.

Although with the continuous intensification of the aging population, the number of newborns is decreasing year by year, the pressure we are facing for the elderly will become heavier and heavier, in order to alleviate the post-80s, post-90s will face the pressure of the pension in the future, the model of pension has been introduced, but for the withdrawal of personal pension Changling gold guarantee, want to make a steady profit without loss, I am not very optimistic.

Because any similar project will have a certain risk, it is impossible to achieve a steady profit, for the current post-80s and post-90s, if you want to really alleviate your pension pressure, you should not only rely on this kind of pension, but should take advantage of your youth, as much as possible to reduce some unnecessary expenses in your life, as much as possible to let yourself have some savings, although their savings may face inflationary pressure, But at least I can make a good supplement and supplement to my pension in my old age.

This so-called personal pension is only a diversified pension attempt, or needs to be tested by practice, for the current post-80s and post-90s, if you take out a small part of the funds to try, perhaps we should remember a point, impatient to put all the eggs in the same basket, counting on such a personal pension to make a steady profit, it is obviously unrealistic, work hard at a young age, and work hard to save money, This is the most effective means and the most correct direction to ensure that you can ensure your basic life when you are old in the future.

Dear, agree with me.

The pension award standard is directly related to the number of years of cumulative macro key payment of pension insurance premiums, the annual payment base, the annual average local social wage, the retirement age, and even the time of each payment, which cannot be calculated by the parameters you provide.

After withdrawing, whether you receive more and less pension depends on how many years you have paid for potatoes, what is the level of payment, and also depends on the average social wage in your province in the year before you retire. So you can only give you the correct answer if you provide the above information.

For example, if you retire at the age of 55, you have 80,000 yuan in your personal account in the year of retirement, your average monthly salary in the overall area of the previous year is 5,000 yuan, your average monthly contribution wage index is 1, and your contribution period is 30 years as of retirement, then the pension you receive in the first month after retirement = (5000 + 5000 * 1) 2 * 30 * 1% + 80000 170 = yuan.

Legal Analysis: The retirement age is generally 60 years old for men and 50 years old for women, and 10 years of continuous service is required. After retirement, you will receive pension insurance, not a pension as you usually say.

Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years, and the basic pension received on a monthly basis can be transferred to the new rural social endowment insurance or the social endowment insurance for urban residents, and enjoy the corresponding endowment insurance benefits in accordance with the regulations. Generally speaking, the longer the payment period, the more the accumulated pension savings in the personal account, and the pension after retirement is relatively higher. The pension is composed of two parts: basic pension and personal account pension, the basic pension is equal to (the province's average monthly salary of employees in the previous year + the average monthly salary of employees in the province in the previous year multiplied by the monthly payment index) divided by 2 times the payment period multiplied by 1% personal account pension is equal to the amount of personal account storage divided by the number of months.

Legal basis: "Social Insurance Law of the People's Republic of China" Article 16 Individuals who participate in the basic endowment insurance, when they reach the statutory retirement age of Senjian, can pay for less than 15 years, and receive the basic pension on a monthly basis can be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations.