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当你老了,拿什么养活自己?

2017-06-30 16:42:37   

对于有这类疑问的朋友,CC首先要劝你对自己要有信心,其次我们在来看看有不有必要!

首先来看看缴纳年限在哪些方面影响着养老金?

仅从养老金的计算公式来看的话,缴纳年限将影响上述公式中的这三项:

个人账户储存额,很明显,对于个人账户储存额来说,缴费年限越长,肯定储存额就会越多,就和你定存一样,时间越久,存款就越多。

本人指数化月平均缴费指数,一般来说,缴纳年限与指数成正相关。

基础养老金,这个就是直接影响。

所以仅从公式推算来看的话,缴费年限越长,缴费基数越高,退休时的社会平均工资越高,将来能拿到的养老金就越多,但是话有说回来,养老金缴纳其实也并非多多益善,譬如“你未必活的到领完养老金”,所以CC还是建议大家还应根据个人情况进行缴纳吧。

我们这代人大部分都是独生子女,在养老这个问题上,担子还是挺重的,不仅要爸妈养老,还要规划自己的养老问题,是不是感觉头好大,但是有什么办法,只能慢慢来一步步规划好未来,多学点理财知识,攒好钱,理好财。

原创:CC读财

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