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工龄都一样,早退休10年,为啥养老金更高?

2017-06-26 08:46:41   

工龄跟养老金有着紧密的联系。最近,有人问思之想之,两个人的工龄都一样,都是30年,缴费也一样,为啥一个人早退休10年,领到的养老金现在反而更高一些呢?

一般来说,退休年龄越晚,能领到的养老金越高,因为社会平均工资每年都会上涨,晚退休的平均工资基数就越高。

但是,很多人会有这样的疑问,在相同的工龄下,也就是养老保险缴费年限相同,早退休10年,社会平均工资就应该越低,基数就越低,养老金就越低,但为啥现在反而更高了呢?

这主要是因为养老金每年都会上调,之前都是每年上涨10%左右,连续十几年都是这样的高涨幅,这个涨幅要高于平均工资的涨幅,所以,虽然早退休的养老金基数低,但架不住每年都上调10%。

举个例子,小王和小李工龄都是30年,小王2007年退休,小李2017年退休,小王退休时的社会平均工资为3300元,小李退休时社会平均工资为7600元。

按照养老金计算公式,小李的退休后2017年养老金大概为3000元左右,但小王养老金第一年只有1500元左右,但经过连续10年的上调,2017年养老金已经超过3500元。

可见,相同工龄下,早退休会拿的养老金多一些,但要说明的是,这个状态只能持续一段时间,过几年,晚退休的人的养老金会逐渐追平并超过早退休的人。

因为晚退休的养老金基数高,在每年相同的涨幅下,晚退休的人养老金会涨得更多,两者间养老金的差距也就越来越小,直至相同并赶超。

所以说,在工龄一样的情况下,并不是说越早退休越好,尤其是现在每年养老金涨幅有所减少的情况下。

因此,在经济条件允许的情况下,要记住社保里多缴多得,长缴多得原则,以后养老金也就越高。

那么,你现在工龄和养老金是多少呢?

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