细数6条养老途径商业养老有效补充社保（Breakdown of 6 ways to provide for the elderly commercial pension effective supplement social security）.docVIP

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细数6条养老途径商业养老有效补充社保（Breakdown of 6 ways to provide for the elderly commercial pension effective supplement social security）.doc

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细数6条养老途径商业养老有效补充社保（Breakdown of 6 ways to provide for the elderly commercial pension effective supplement social security）

细数6条养老途径商业养老有效补充社保（Breakdown of 6 ways to provide for the elderly commercial pension effective supplement social security） How much is enough when you retire? Suppose we retire 60 years and live 20 years, 3 meals a day, 15 yuan per meal, and 20 years to spend: 20 x 365 x 3 * 15=328500 (yuan). Other daily expenses are assumed to be $3000 per month and 20 years to be required: 20 x 12 x 3000=720000 (yuan). Tourism or leisure consumption per year 10 thousand yuan, 20 years need: 1 x 20=20 (10000 yuan). Medical expenses are 5000 yuan per year, 20 years need: 5000 x 20=10 (10000 yuan). In accordance with this standard of pension, the initial calculation will cost 1348500 yuan, 5618 yuan per month (excluding inflation). How many social pension benefits can you receive after retirement? Understand social security, to learn a few key words. 1. social flat wages - refers to the social average wage of the Beijing region published by the Ministry of labor and security 2., payment base - refers to pay social security basis, wage base Specific range is made by each company, but the range is 60% of the average social wage of Beijing in the previous year and 300% of the social average salary of Beijing city in the previous year. At present, social security pension can be carried out in two aspects of individual accounts and co-ordinate funds. (1) the funds of personal account are all paid by individual, and the payment base of your social insurance is 8%. For example, you pay a monthly payment base of 5000 yuan, then you need to pay 400 yuan per month into your personal account. The individual account will interest you on the 1 - year deposit interest, which means that all the money you will receive in the future will be your own savings. (2) the fund of the overall fund will be paid by the enterprise, and will be paid by 20% of your social security payment base. You can receive it at the next legal retirement age. The calculation method for the average wage of the previous year (