The quick assessment pension insurance plan is not worth our count! Sohu review-winlinez

The quick assessment: pension insurance plan is not worth our count! Sohu criticism pays more, and why is it so loud to delay retirement? Ke Jinxiong, finishing first, wish you happy Lantern Festival Sohu users, users on "back"! Originally, in this happy day, we should say something easy topic, not the social department suddenly respond to pension insurance, only pay 15 years is not worthwhile, the longer the years of payment, the more you take after retirement. Suddenly tiger body a shock, not good! The pension insurance is short of money, and the Ministry of human resources and social welfare began to "cheat", and everyone paid more money. Shandong netizen "tianlitian" view is "pay more than you can not do, not to mention paying more cost-effective!"" For this is not worth discussing, Sohu users were given from the point of view of their own views, the first is Shandong netizen "black" from the "insurance" of the term itself, said "I don’t want to make more cost-effective, what the insurance is, is that most people don’t live so long, for social security insurance the insured party long is his risk." But the concerns of users may be a bit over, endowment insurance is not long to eat a short life of it, people have designed this system even better, most people would not live up to their pensions when lead end.   of course, ultimately not worth the cost does not depend on the lips, but by playing real data, the data is not deceptive, Hebei netizen "ride called" sing "for 15 years and 35 years of payment payment of retirees, the base salary is 90 yuan, plus 3.5 yuan a year job seniority. 20 years, only more than 70 yuan, reflecting the pay more long to pay more than the principle?" This netizen is very clear, and Jiangsu friends of attention to the wind? "The Department referred to a monthly salary of 5000 yuan in business men" as an example, last year a total pay 15 pay 252 thousand yuan, and 35 years will pay 588 thousand yuan, "the wind of love?" called "pay less 20 years to pay more than 230 thousand, according to 15 year by principal one month nearly 1300. This month only a few hundred pieces, the interest has not been calculated, how to calculate the 15 years is not to pay the cost of some." Shandong netizen "lift knife slaughter cattle" but the calculation method of this netizen questioned, "only ask you a sentence: you pay less that 15 years, the unit to pay you that piece will give you a personal?" If you give it, then pay enough for 15 years, if you do not, which do you think is cost-effective?" On the surface, the less paid year is to save money for the enterprise, but the money down the enterprise can be added to the salary, even if only add half of the amount of payment, both individuals and enterprises are benefit, why not?   Beijing netizen "ZJZ" called "cross 30 years and 15 years, more than 1 times, the pension can be more than 1 times, it is worth more.". The problem is that the existing pension distribution can not reflect more than one. So pay 15 years, the most value, use it to protect basic life, every year the country returned to rise, other rely on insurance and investment income." In fact, national endowment insurance system should be the basic fallback system? 网友快评:养老保险划不划算 我们自己算!-搜狐评论 多缴真的划算,延迟退休为何反对声那么大?   整理丨柯锦雄   首先,恭祝各位搜狐网友元宵节快乐,《网友快评》又回来了!   本来在这个喜庆的日子应该说点轻松的话题,不过人社部突然回应养老保险只缴15年是不划算的,缴的年限越长,以后退休的时候拿的越多。顿时虎躯一震,不好!养老保险又缺钱了,人社部开始“忽悠”大家多缴钱了。山东网友“tianlitian”的看法是“多缴多得都做不到,更谈不上多缴划算了!?”   对于这种划不划算的讨论,搜狐网友分别从多个角度给出了自己的看法,首先是山东网友“黑月”从“保险”这个名词本身出发,表示“再划算我也不想多交,保险是什么,就是大部分人活不了那么久,对于社保保险方被保险人活得久才是他的风险。”不过这位网友的担忧可能就有点钻牛角尖了,养老保险不就是命长吃命短的么,设计这个制度的人老早就算好了,绝大部分人不会活到领完自己养老金的时候。     当然,最终划算不划算不是靠嘴皮子,而是靠实打实的数据支持,数据是不会骗人的,河北网友“骑唱”举例称“缴费15年和缴费35年的退休人员,涨工资时的基数都是90元,加工龄每年3.5元,多工作20年,只多70元,体现了多缴长缴多得的原则吗?”这位网友算的很不清楚,而江苏网友“风の眷?”就以人社部提到的“一位月薪保持在5000元的企业男职员”为例,缴15年最后总共缴25.2万元,而35年则会缴58.8万元,“风の眷?”称“少交20年少交23万多,按15年分光本金一个月就快1300了。这样一个月才少拿几百块而已,利息还没算,怎么算也是交到15年不交来的划算一些。”   山东网友“提刀宰牛”却对这位网友的计算方式提出了质疑,“只问你一句话:你少缴纳的那15年,单位给你缴纳的那一块会给你个人吗?如果会给你,那么交够15年划算,如果不给你,你认为哪个划算?”表面上看,少缴的年份是给企业省钱了,但是省下来的钱企业可以加在工资里,即便只是加越来缴费额的一半,个人和企业都是受益的,何乐而不为呢?     北京网友“ZJZ”称“交30年与交15年比,多交1倍,退休金能多1倍就值得多交。问题是现有的养老金分配体现不了多交多得。所以交15年最值,用它保基本生活,每年国家还给涨,其他靠保险和投资收益。”实际上,国家制定的养老保险制度应该只是基本的兜底制度,但现在国家的宣传以及退休人员拿到手的退休金都在向公众表明,这是个福利制度,如果是这样的话,那必然是有一部分人吃亏的,工作的、多缴的、命短的都是吃亏的那部分人,因为总有一部分拿的比自己缴的少,才有可能有人觉得划算,那这部分人是谁呢。   江苏网友“飞翔的神”觉得是公务员,因为如果“大家都交15年,那些退休拿高工资的公务员谁养活。”现在公务员也将加入社保,虽然有10年过渡期,而且还有大多数普通企业人员没有的“职业年金”,总之一句话,公务员就算以后要自己缴费,退休待遇也比我们普通人好!   海南网友“沙漠之狐”也认为“交得越长就越亏,因为退休工资差距不是很大,还有一个关键性的前提,你得活到八十岁以上。”但总有人能活到80岁,说不定以后医学条件好了,人也吃的健康,活到80岁so easy,那是不是就不需要担忧“不划算”这个事情呢。     当然不是,四川网友“闪闪”就担忧“我们多缴,到时你要变怎么办?”计划生育宣传都能从“独生子女好,政府帮养老”变成“独生子女好,政府助养老”,然后又有“养老不能靠政府”的风向,最终终于出了大杀器,全面二孩,自己多生一个给自己养老多一份保障。所以说,就算现在算出来划算,但以后变了怎么办,他们又不是没干过这种不要脸的事情。   山西网友“中国大宝宝”语带禅机地回应这位担忧的网友,“变了你要咋。”对啊,变了你还能怎么办,还不是要老老实实按政策来,黑龙江网友“优派优派”提前为他们想好改变政策的理由了,“变了也是为了长远发展,目光放放远一些。。。。再远一些。。。。一些。。。。。。。”   好吧,大多数民众还是“目光短浅”,如北京网友“麻麻”竟然表示“如果不是单位强制交保险,我们还真不想交了。”这是将自己的未来置之不理的一种态度,网友“Deathblow”的态度就很诚恳,希望“养老能靠自己不? 我不给国家添麻烦。”同样江苏网友“心如止水”也是表示“我不想赚国家便宜,所以我不多缴!”呵呵,我想说的,国家不怕麻烦,也不怕你们占便宜,国家就怕你们不缴钱!   往期回顾:   网友快评:如何关心因政策制造出的留守儿童   网友快评:没有土地去哪安放永久产权的房子?   网友快评:股市再跌 熔断无辜?   网友快评:油企开始哭穷,食堂居然收钱!   网友快评:我的养老金养了谁?相关的主题文章: