If you receive a lump sum of 1 million after retirement, how much should you pay for the enterprise

First of all, we should look at personal investment and financial management.

Ability. If it is saidPersonal investment and financial management ability is better than annuityInvestment incomeStronger。Yes, of courseIn the case of the lowest tax rate, it is most cost-effective to withdraw the full amount in advance

In accordance with the "Ministry of Finance, the Ministry of Human Resources and Social Security, and the State Administration of Taxation on Enterprise Annuity.

Occupational Annuity Individual Income Tax.

Notice on relevant issues", from January 1, 2014, the corresponding annuity treatment is calculated and paid individual income tax according to the income from wages and salaries. Moreover, there is no tax exemption for the annual salary, which is directly included in the taxable income.

For annual income within 10,000 yuan, the tax rate for individual income tax is 3%; For income of 10,000 yuan, the tax rate is 10%; For income from 10,000 yuan to 240,000 yuan, the tax rate is 20%. The higher the lump sum withdrawal, the higher the taxable tax rate, so it is obviously not cost-effective.

Since the tax exemption system for enterprise annuity and occupational pension came into effect on January 1, 2014, the tax exemption can be based on the proportion of the contribution amount. For example, after January 1, 2014, the amount formed is half, so that the monthly receipt is 3,000 yuan, the tax-free amount is 1,500 yuan, and the taxable amount is only 1,500 yuan. In fact, most people's pension accumulation is formed after January 1, 2014.

Therefore, in order to keep the tax rate lowest, it is generally recommended that the monthly amount received should not exceed 3,000 yuan.

If it is said that the ability of individuals to invest is relatively weak, take it out is also deposited in the bank, the bank's rate of return.

It is obviously lower than the operating rate of return of the annuity, so it is better to receive it on a monthly basis according to your own pension plan. As mentioned in the title, the way to receive 1,000 yuan per month is still good. After all, the operation of the enterprise annuity does not need to be bothered and labored on.

For some elderly people who have insufficient pension accumulationIf you don't have enough savings to deal with the unexpected (medical insurance**), you may still want to bring up some of it earlier. In this way, it should also be based on their own planning, it is generally recommended to withdraw 10,000 yuan per year, and it is not recommended to exceed 10,000 yuan, and the corresponding tax rate corresponds to 3% and 10%.

If it is said that in order to prevent accidents, in order to avoid investment risks。In fact, many old people still hold the concept of simple investment, and feel that the money is better managed by themselves, after all, investment is risky, especially last year, it rose so much. In fact, only a small part of the annuity investment can be invested in the annuity, so there is no need to worry too much.

For the elderly after retirement, it is true that individuals should continue to focus on safety and security, and it is mainly recommended to invest for more than three yearsFixed Depositsor large certificates of deposit, as well as the stateSavings Treasury bonds。The corresponding savings interest rate is generally around the same level, the interest rate of three-year savings bonds, and the five-year interest rate.

In summaryPersonally, I think the best choice is to receive it on a monthly basis, and it is okay to plan for about 10 or 15 years. After all, over time, pensions.

It will also increase slowly, and it can also effectively cover the difference in treatment after receiving the enterprise annuity, forming a good connection.

The enterprise annuity should need to pay about 5 million yuan, so that you can only receive 1 million yuan when you retire.

It should be paid more than 100,000 yuan. It will be more reasonable, and it will not cause too much burden on you, which will be good for you.

60% 80% should be paid. will get a very good result, and in doing so, you are also protecting your own interests.

Legal analysis: For retired employees, there are three ways to receive enterprise annuities: the first one:

One-time claim. For the case of settlement abroad and death, it is generally necessary to choose a one-time payment. When you retire, you can choose to receive it in a lump sum, but you can also choose other ways to receive it.

The second option: monthly payment. After retirement, employees can choose to receive a monthly pension according to their own needs.

It is based on the payment time and rolling total amount of the enterprise annuity, and the monthly payment time and amount are converted. This method, like pensions, can be used as a monthly salary until the funds are exhausted. Once you have selected this method, you cannot change it again.

Legal basis: "Interim Measures on the Retirement and Retirement of Workers" Article 1 Workers of enterprises owned by the whole people, public institutions, party and government organs, and mass organizations shall retire if they meet one of the following conditions.

1) Men are at least 60 years old, women are at least 50 years old, and have worked continuously for 10 years.

2) Engaged in underground, high-altitude, high-temperature, particularly heavy physical labor, or other work harmful to physical health, at least 55 years of age for men and 45 years of age for women, and having worked continuously for 10 years or more. This provision also applies to grassroots cadres whose working conditions are the same as those of workers.

3) Men who have reached the age of 50 and women who have reached the age of 45 and who have worked continuously for 10 years, and who have been certified by the hospital and confirmed by the labor appraisal committee that they are completely incapacitated.

4) Disabled due to work, certified by the hospital and determined by the labor appraisal committee, completely incapacitated to work.

Summary. Pro, the enterprise annuity is paid 100 yuan for individuals, and about 1,300 yuan can be taken every month after retirement.

If you pay 100 yuan for an enterprise annuity, you can get as much as you retire.

Pro, the enterprise annuity is paid 100 yuan for individuals, and about 1,300 yuan can be taken every month after retirement.

The cost of enterprise annuity is paid jointly by the enterprise and the individual employee, and the investment and operation are carried out in accordance with the national regulations on closure, and the operating income of the hail bend capital is incorporated into the enterprise annuity**, which is an important channel to improve the pension treatment of employees. In terms of the proportion of contributions, there is no clear provision, only requiring enterprises to pay no more than 8% of the total wages of their employees every year, and the total amount of contributions made by enterprises and individual employees shall not exceed 12% of the total wages of employees of the enterprise, and the specific payment amount shall be determined by the enterprise and employees through consultation. The more you pay before retirement, the more you can receive the enterprise annuity after retirement.

The amount of money from the enterprise annuity to retirement is mainly affected by individual contributions, enterprise contributions and investment income, and the level of enterprise and individual contributions is limited by the salary level of enterprises.

The enterprise annuity can be paid in a lump sum or on a monthly basis after retirement. When an employee reaches the national statutory retirement age or completely loses the ability to work, he or she can receive the enterprise annuity from his or her enterprise annuity personal account on a monthly, installment or one-time basis, or use all or part of the funds in his enterprise annuity personal account to purchase commercial pension insurance products, and then receive benefits according to the insurance contract. In addition, those who go abroad to settle abroad can also receive a one-time enterprise annuity.

In the event of the death of an employee or retiree, the balance of the personal account of the enterprise annuity may be inherited in accordance with the law. The enterprise annuity is a supplementary pension insurance mechanism, but the enterprise annuity needs to pay individual income tax in full. In countries that implement modern social insurance systems, enterprise annuity has become a more common enterprise supplementary pension plan, also known as enterprise pension plan or occupational pension plan, and has become an important part of the pension insurance system of the host country.

Trial Measures for Enterprise Annuity》 Article 12 When an employee reaches the retirement age prescribed by the state, he or she may receive the enterprise annuity from his or her enterprise annuity personal account at one time or on a regular basis. Employees who have not reached the retirement age prescribed by the state shall not withdraw funds from their personal accounts in advance. The funds in the personal account of the enterprise annuity of the person who have settled abroad can be paid to the person in a lump sum according to the person's request.

What is the content of the enterprise annuity plan.

1. Scope of participants;

2. Fund raising methods;

3. Management method of personal account of employee enterprise annuity;

4. Management methods;

5. Calculation and payment methods;

6. Conditions for paying enterprise annuity benefits;

7. Organizational management and supervision;

8. Conditions for suspension of payment;

9. Other matters agreed by both parties. The enterprise annuity plan is applicable to employees who have completed their probationary period.

The enterprise annuity can be paid in a lump sum or on a monthly basis after retirement. When an employee has reached the retirement age prescribed by the state or has completely lost the ability to work; You can receive the enterprise annuity from your personal account for enterprise annuity on a monthly, installment or one-time basis, or you can use all or part of the funds in your personal account for enterprise annuity to purchase commercial pension insurance products, and then receive benefits according to the insurance contract. 【Legal basis】Article 15 of the Regulations on the Administration of Housing Provident Fund, if a unit hires employees, it shall go to the Housing Provident Fund Management Center within 30 days from the date of employment to go through the deposit registration, and hold the review documents of the Housing Provident Fund Management Center to the entrusted bank to go through the formalities for the establishment or transfer of the employee's housing provident fund account.

If the employer terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to change the registration, and go to the entrusted bank to go through the procedures for transferring or sealing the employee's housing provident fund account with the examination documents of the housing provident fund management center.