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Take Shanghai 2016's latest five insurance and one gold payment as an example. (Note: This article will calculate your monthly salary of 5,000 yuan, starting at the age of 25, and the total payment period of 40 years as an example.) 
First, pension insurance
We assume an ideal state for estimation:
Suppose that you are retiring at the age of 65 this year, and the monthly salary for each of the 40 years is 5,000 yuan. The average monthly salary of employees in Shanghai last year was 5,939 yuan. How much does it cost for our pension insurance?
We use the monthly salary of 5,000 yuan, starting at the age of 25, and the total payment period of 40 years is taken as an example. Then when we retire, we pay a total of:
Individuals pay 8% × 5000 × 40 years × 12 = 192,000 yuan units pay 20% × 5000 × 40 years × 12 = 480000 yuan totaled 672,000 yuan.
How many pensions do you receive after retirement?
Total monthly payment = basic pension + personal account pension basic pension = (the average monthly salary of the employee in the previous year + the average monthly salary of the index) ÷ 2 × payment period × 1%
Basic pension = (5939 + 5000) ÷ 2 × 40 × 1% = 2187.8 yuan personal account pension = personal account storage ÷ personal account pension calculation month number personal account pension = 192000 ÷ 101 = 1901 yuan last we Monthly pension = 2187.8+1901 = 4088.8 yuan In order to "return this", we must at least:
672000÷12÷4088.8=13.69 Therefore, after 80s and 90s of the rise, they worked hard to live to 80 years old, so they can earn some national money.
Of course, this data is completely estimated under the assumption state, and we will not say that our wages will rise in a step-by-step manner in the past 40 years. When we retire at the age of 65, the average salary of the staff in the previous year will definitely rise!
Here is a brief way to estimate the basic pension. If your monthly contribution base salary is the same as the monthly average salary of the employees in your province in the first half of the year, then you can receive the basic pension after retirement = the employee of the previous year. Average salary × 40%.
Second, medical insurance
We also pay a monthly salary of 5,000 yuan, starting at the age of 25, and the total payment period of 40 years is taken as an example.
Then when we are retired:
Unit pays 5000×10%×40×12=240000
Individuals pay 5000×2%×40×12=48000
Every year, the country will put 2% of your own medical insurance account and the amount that the unit pays into the personal account. This money can be accumulated and directly swiped to buy medicine or watch the emergency room.
10% of the unit's payment, most countries will get the medical pooling fund.
Medical insurance is paid for 15 years and will be enjoyed for life after retirement.
Third, the provident fund
We start with a monthly salary of 5,000 yuan, starting at the age of 25, and the total payment period is 40 years. For example, when we retire:
Total payment of 5000 × (7% of individuals + 7% of units) × 40 × 12 = 336000
At the time of retirement, the money in the CPF account can be fully taken out, including the unit payment part and the individual payment part. If we have not used the provident fund, we can raise more than 330,000 yuan when we retire.
Of course, other methods can be used. Providing a housing fund can enjoy extremely low interest rates. When renting a house, you can also withdraw the provident fund. The provident fund will only calculate the income according to the current storage interest rate. Even if the RMB depreciation is not considered, the income will be extremely low.
4. Work injury insurance, maternity insurance, unemployment insurance
When these three are retired, the insurance relationship is terminated, and no refund will be made. It is equivalent to failure, no matter if you use it.
You must know that you need to pay more than one year for these three points, but there is no place for more than ten years.
According to the current regulations, the endowment insurance should be repaid in the place where the payment is the longest and more than 10 years. If the payment is made in several places and there is no place to pay more than 10 years, then the place of return to the account is processed.
This also means that if you have paid 9 years and 11 months in the major cities such as Beishang, Guangzhou and Shenzhen, respectively, the final pension insurance will be returned to the location where the average annual salary is only 2,000.
2. If the endowment insurance is accumulated for less than 15 years, it will not be able to receive lifelong pension insurance and will refund the personal deposit:
Generally, you have to pay for 15 years, and you can enjoy your pension for the rest of your life when you retire. Therefore, people who want to get a pension must start paying 15 years before they retire.
If you are under the retirement age for 15 years, then when you retire, the state will refund you all the pensions on your personal account. All the units that the unit gives you will be transferred to the national pension fund.
Of course, individuals can also choose to pay up to 15 years, so that they can receive pension insurance.
3. Medical insurance must be paid for 15 years to enjoy medical insurance for the rest of your life:
If you do not pay 15 years, when you retire, you will only have 2% of the accounts deposited by the individual and the balance of the annual payment of the unit. 10% of the unit will be handed over to the country.
Estimate according to the above ideal state:
After the 80s and 90s who need to retire at the age of 65, if you start working at the age of 25, for example, if you earn 5,000 yuan, you and the unit will pay a total of nearly 1.3 million yuan and 40 yuan.
When you finally retire, you can get:
4,000 or so monthly pensions totaling 48,000 medical insurance personal deposits (when not used)
A total of about 330,000 CPF (when not used)
Lifelong medical insurance
Summary Do you know how much you can get after retirement? Today, Xiaobian intimately calculated an account for you! Let’s take a look! The following Hai 2016 latest five insurance and one gold payment as an example. (Note: This article will pay you 5,000 yuan a month, 25 years old, the total payment of 4 years...
Do you know how much you can get after retirement? Today, Xiaobian intimately calculated an account for you! Let’s take a look! Shanghai Five Insurance's latest payment standard
Let’s look at a table and let everyone see how much the pension can get when they retire from a global perspective.
This table is based on the retirement age to determine the standard of pensions in personal accounts that can be collected each month. You can put your retirement age and the above formula into the calculation together with the ideal wealth Xiaobian.