Wuhan heard that retirement is only 2,000 January, life how to do? You've only heard of 2k January, have you heard of 10k a month? In Wuhan retirement January 10,000 can be quite a lot, 5,000 is also a lot, of course, 2,000 is also quite a lot, it seems that people still lack of understanding of the process of calculating on the pension, which is why there is such a misunderstanding.
For the retiree's pension monthly take how much, can not just look around the individual's high and low, also can not be heard. Many times I heard something may be true, but it may also be one-sided, can not take the individual as universal, for anything we have to adopt a two-sided point of view, to have their own thinking ability and the ability to distinguish right from wrong. At present, China's retirement must meet the two conditions of reaching the legal retirement age and the minimum contribution period of 15 years for pension insurance at the same time. In these two conditions, to reach the legal retirement age, which is a natural factor, but the minimum pension insurance contributions to 15 years, which is a man-made factors, but also determines the decision of our retirement pension high and low decisive factors.
Participating in the urban workers' pension insurance for retirement, the pension is in accordance with the basic pension, personal account pension two parts to calculate, the basic pension and personal account pension sum, is the basic pension we should receive monthly. The calculation of the basic pension is based on two main indicators. First, the average monthly salary of employees in the previous year before retirement, this indicator is different in each place, and is an important indicator reflecting the local disparities; second, the average personal contribution index salary. The average individual contribution index salary actually we do not need to consider the contribution index, but to consider the contribution base, the contribution 20 years or 30 years, no matter how much the contribution index is, the final landing point should be realized on the contribution base.
For example, the average monthly salary of local employees in the previous year was 5,000 yuan, 30 years of contributions, the average contribution index salary is 3,000 yuan, which is also the average contribution base. Then the calculation of the basic pension is the average of the average monthly salary of the previous year's employees and the average contribution index salary and the average of the basic pension as the basis for the calculation of the basic pension, every year of contributions to the basic pension of 1%. According to the above example to calculate, the previous year's average monthly salary of 5,000, the average contribution index salary of 3,000 yuan, the average of the two is 4,000 yuan, every year of contributions to the basic pension base of 40 yuan, 30 years of contributions to the basic pension is 1,200 yuan. From this calculation, we can see that the base pension is high or low, in addition to the local average monthly salary of employees in the previous year, the most critical or the contribution base, due to the local average monthly salary of employees in the previous year is fixed, the retirement of the average monthly salary of employees in the previous year is how much is how much won't change, but the average contribution index salary which is changing, the contribution base is high, the average contribution index salary will be higher, the average value of the two will also be higher. The average of the two will be higher, so the basic pension will be higher.
From the calculation of the personal account pension, the main indicators are two, one is the personal account fund balance, one is the number of months. The individual account fund balance is in turn related to the number of years of contributions and the contribution base. Contribution base is high, the contribution period is long, the higher the fund balance of the personal account will be, due to the payment of pension insurance, the proportion of the personal account is 8%. 3,000 yuan of 8% is 240 yuan per month, 5,000 yuan of 8% is 400 yuan per month, an additional 160 yuan per month, the contribution period, needless to say, 20 years of 8% and 30 years of 8% of the difference is also relatively large. The number of months of accrued benefits mainly corresponds to the age of retirement, the older the age of retirement, the corresponding number of accrued benefits will be reduced, the pension will be higher; the younger the age, the corresponding number of accrued benefits will be increased, the pension will be relatively low.
For example, if the balance of personal account funds is 150,000 yuan, if you are 60 years old for retirement, the corresponding number of months of accrual is 139 months, monthly personal account pension is 1079 yuan; if you are 55 years old for retirement, the number of months of accrual is 179 months, monthly personal account pension is 882 yuan; if you are 50 years old for retirement, the number of months of accrual is 195 months, monthly personal account pension is 769 yuan. 769 yuan. In the case of the same personal account, 55 years old retirement than 60 years old retirement monthly personal account pension reduced by 197 yuan, 50 years old retirement, monthly personal account pension reduced by 310 yuan per month.
In summary, in Wuhan for retirement, the monthly pension is 2000 yuan or 3000 yuan, due to each person's contribution period is not the same, the contribution base is not the same, the retirement age is not the same, so the pension difference is very big. The people you hear about with a $2000 per month pension exist in large numbers, not in the minority, and there are those with around $1000 per month and $10,000 per month, but that's not surprising, it's tied to each person's contribution contribution, and the longer the contribution period and the higher the contribution base, the higher the pension will be.
By the age of retirement, the house is certainly there, a person's monthly pension of two thousand dollars, if the old partner also has a pension of two thousand, is a monthly income of four thousand dollars.
According to the two average daily 16 dollars of meat, fish, vegetables and eggs, 3 yuan of rice and noodles, 3 yuan of water, electricity and gas, 3 yuan of fruit, so that a day total of 25 yuan, 750 yuan a month.
Communication costs 100 yuan, transportation costs 100 yuan, clothing purchases 100 yuan, other purchases 100 yuan, property costs 300 yuan, plus 300 yuan of motorized expenses.
This is calculated to be 1750 yuan a month, at 1800 yuan.
Do not go out to order their own cooking, their own laundry, the cost is very compact, but can definitely meet the needs of normal life.
If both of them have a salary count, save 2200 dollars a month.
Here does not take into account the cost of seeing a doctor and taking medication, etc., nor the cost of travel, nor the cost of filial piety to the elderly above and the cost of spending on children and grandchildren below.
Living in a big city, the costs are a little higher than the third-tier cities and fourth-tier cities.
The rich have their own way of living, and the poor have their own way of planning.
Proper exercise, do not smoke, drink less, maintain a healthy body, as long as there is no additional cost of medical care, life can still get by, after all, better than the "600 million people monthly income of less than 1,000 yuan" to be a little bit.
You're not from Wuhan, if you're from Wuhan, if you're retired now, it's generally the late 50s and early 60s who were born in the late 60s, and it's generally the end of the 70s and the 80s who have a job to do, and if it's the majority of the people who work, it's the majority of the people who work for years, and it's the people who work for more than 35 years. The first thing you need to do is to get a retirement payment of more than 3,000 yuan, and definitely not just 2,000 yuan, so you are not in the Wuhan city people, outside the code, there is no try to work with the number of years of payment,.
The first thing you need to know is how to get the best out of your computer.
The subject of the speech:Wuhan heard that the retirement only two thousand dollars?
Look at my heart funny, pension insurance is more pay more, long pay more, as an individual want to get more only usually more contributions.
Life can not hear, life to continue, Wuhan pension high people more, just you hear no hear high and their own right, civil servants, five thousand six thousand more.
The average pension in Hubei Province is 3,000 yuan in 2018, which is already very high.
Retired 12 years, salary 2,000 4, do go out to do a, subsidize the family, you say how to do, can not retire and retire, life is not stopping, more than fighting!
Born in rural areas, the elderly do not have a pension, children and low-income, do not know how to live? To wait until the age of 60 years old to have a few old people money, rural elderly have a few good life people, not 7 old 80 still work as usual, rural areas have a few 7 a 80 years old to go to the square dance, a few old people seated on the free bus? I don't know what to do with the elderly in rural areas, ask Prof. Wang Fuzhong?
Cool. How much money to use how much money. If you feel that the money is not enough to spend, you can reach out to your children to ask, how should we get back a thousand dollars, how difficult to open the mouth, it is best to open every month according to this prescription.
The children raised so, consumed a lifetime of financial resources and energy, appropriate collection of interest is also very normal. The premise is that the children listen to your words, one by one, the work has been done, the day mixed can be!
Of course, if you are still retired every day after the tobacco and alcohol, but also from time to time to come to a "world so big I want to go see" travel, estimated 1 month more than 3,000 can not hit the weight.
In this case, you can only retire and continue to play outside. Like the retirement of only two thousand people, the work is generally not technical to speak of, mostly only when the life of the security guards and janitors, at least a month and more than two thousand dollars, and at least five days a week on the job, the work limits your travel, so that you get to five thousand dollars a month, should be more than enough to get by!
The two thousand a month pension, basically the enterprise retirees.
We have a large number of such old people here, and many of them are less than two thousand, and some of them are only one thousand seven hundred and eight hundred a month.
If it's just a matter of food and clothing, it's a little bit worse to save a little bit of money and still be able to get by. But I'm afraid that if you're sick and you're taking medication, you're not going to be able to pay for it out-of-pocket.
My neighbor, Uncle Hao, has a pension of just over 1600.The monthly cost of medication alone is five to six hundred dollars.
Hao Dabo control their own diet at the minimum standard, to eat mainly to eat, buy some cheap vegetables and soy products and so on. The most common is the salted vegetables roasted tofu, pickles, curd and so on.
Meat also only buy very cheap small fish, burn a meal to eat a day. Hao uncle is very contented, live no matter how happy on good, live one more day to earn a day, although the food is poor, compared to many old people do not have a pension, has felt very contented.
Knowing what's good for you is always good for you, and it's also good for you to know that you're not going to be able to do anything about it.
If the body has no problem, enough