[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2024122510561411246":3,"related-JP2024122510561411246":34},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"nonVipDescription":17,"postTime":18,"viewTime":19,"sortNumber":20,"isFree":21,"isShowList":7,"isRecommend":21,"linkType":7,"isOriginal":6,"hasMiniUrl":21,"miniUrl":11,"miniScheme":11,"miniImage":11,"itemTag":11,"createBy":22,"updateBy":22,"createTime":23,"visitCount":24,"isLiked":21,"realSearch":25,"isRead":21,"productId":26,"isCollected":21,"collectCount":27,"vipExclusive":21,"allowComment":7,"style":28,"likeCount":29,"duration":21,"playStyle":7,"seoKeywords":11,"articleModuleVoList":30,"extendContentList":31,"noteCount":7,"categoryList":32,"dailyKeywordList":33},10,6670,"1",1,"JP2024122510561411246","1041018",3,"","月薪1万块，退休领9000+","https:\u002F\u002Fimage.jane7.com\u002F3375725c-d389-414b-8026-187a459f2892.png","https:\u002F\u002Fjane7-prod.oss-cn-hangzhou.aliyuncs.com\u002Fmanager\u002Farticle_default_img.png","一起来看看本周的大事儿~","\u003Csection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">延迟退休的政策出来后，很多小伙伴好奇，\u003C\u002Fspan>\u003Cstrong style=\"color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">咱们退休后到底能拿多少钱呢？\u003C\u002Fstrong>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">今天就来介绍一个工具——\u003C\u002Fspan> \u003Cspan style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>有知有行的养老金计算器*\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">*下载路径：有知有行app-有行-财务工具-养老金计算器\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">它不只是告诉你结果，还把计算过程展示出来了。想「退休涨薪」的朋友，可以针对性查缺补漏~\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong style=\"font-size: var(--articleFontsize);letter-spacing: 0.544px;text-align: center;text-wrap: wrap;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"text-align:center;margin-left: 15px; margin-right: 15px;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F92061315-58cc-42eb-80b9-b6a8e0eb9506.jpg\">\u003Cstrong style=\"font-size: var(--articleFontsize);letter-spacing: 0.544px;text-align: center;text-wrap: wrap;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: #333333;visibility: visible;color: #d6a841;font-family:Optima-Regular, PingFangTC-light;\">01 \u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cstrong style=\"color: #222222;caret-color: #333333;font-size: var(--articleFontsize);letter-spacing: 0.544px;text-align: center;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;visibility: visible;color: #d6a841;font-family:Optima-Regular, PingFangTC-light;\">默认配置\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">先来简单介绍下，我们的养老金主要由三个部分组成——\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">第一支柱：是\u003Cstrong>国家\u003C\u002Fstrong>帮你养老，就是我们常常提及的\u003Cstrong>社保\u003C\u002Fstrong>；\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">第二支柱：是\u003Cstrong>公司\u003C\u002Fstrong>帮你养老，福利好的公司会给员工缴纳\u003Cstrong>企业年金\u003C\u002Fstrong>；\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">第三支柱：是\u003Cstrong>个人\u003C\u002Fstrong>自己养老。咱们自己出钱投资、买一些商业保险。现在国家力推的个人养老金账户，还有税收减免功能。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">明白退休后的资金来源，咱们再来看养老金的计算——\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">第一步是填写基本信息。\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fd1eca41b-b40e-48f5-9206-419764b2a4be.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">-年龄：看看几岁退休\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">系统默认男性60岁、女性55岁退休，还没有按最新政策「渐进式」更新。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">-社保类别：企业、灵活、机关事业单位\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">这里的区分，主要看交的工资档位，交金基数不同，就会影响后面养老金的计算。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">上班的话，按照过去一年的平均工资缴纳，没有「讨价还价」的余地。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">灵活就业，可以选择交金的档位，基本上大家会按最低档60%交。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">-填写工资\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">根据世界银行的建议，想要维持退休前的生活水平，\u003C\u002Fspan> \u003Cspan style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>养老金替代率\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">的指标要\u003Cstrong>大于70%\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Cblockquote style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\n  \u003Csection>\n   \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">养老金替代率=退休后养老金收入\u002F退休前收入*100%\u003C\u002Fspan>  \u003Cspan style=\"color: rgb(136, 136, 136);font-size: 14px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n \u003C\u002Fblockquote>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">简单来说，月薪1万的打工人，退休后至少要拿到7000元，才能维持退休前的生活水平。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">如果算出来的养老金，低于7000元，就该自己多一些商业险、投资方面的投入了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">-预期寿命\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">目前，咱们的预期寿命90岁。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">随着科技发展，医疗进步，人类越活越久是个大概率事件。咱们也可以多做10年+的财务准备，有备无患。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"text-align:center;margin-left: 15px; margin-right: 15px;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"text-align: center;text-wrap: wrap;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F471285aa-36af-4936-9134-2770f45f5e68.jpg\">\u003Cstrong style=\"font-size: var(--articleFontsize);letter-spacing: 0.544px;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;visibility: visible;color: #d6a841;font-family:Optima-Regular, PingFangTC-light;\">02 过去积累\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">接下来，要输入咱们已经给养老做的打算。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F99ba32c5-1d78-4bbb-9d42-3f9570035276.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">-基本养老保险\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（个人账户）\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">国家发的退休金，由两部分构成——\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">一部分是\u003Cstrong>统筹的钱\u003C\u002Fstrong>，根据咱们的缴费年限和缴费基数来定，交的越多、交的越久，拿得也越多；\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">另一部分，是\u003Cstrong>自己攒的「小金库」\u003C\u002Fstrong>。每月交的养老保险，有一些进入了个人账户，不会被拿走。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">个人账户里有多少钱，咱们是可以查到的。根据\u003Cstrong>参保地\u003C\u002Fstrong>的不同，查询路径也不同，软件给出了引导。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fd995babf-4ccd-4e26-8b14-f6e8d7e69bac.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">如果不止在一个地方交过社保呢，可以点击\u003C\u002Fspan> \u003Cspan style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>「增加其他参保地」\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，把各地的「小金库」都盘点清楚。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">-企业年金\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">有的单位，通常是央国企，除了交五险一金外，还会给员工交\u003Cstrong>企业年金\u003C\u002Fstrong>，作为退休福利。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">我的前单位交过，能在银行app查到\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（可以问问HR怎么查）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，但要等到退休了，才能拿出来花。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F8d467149-a19c-46c1-a607-8661090ae8de.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">图源：招行app-搜索「企业年金」\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">-个人养老金\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">咱们每年有1.2万的额度，根据所处税率档位的不同，当年能省最多几千块的税费。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">不过，个人养老金里产品，选择比较有限，不能买海外基金，也不能买商品基金，所以我开户了，但没有买产品。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">另外，这笔钱几十年之后才能取出，流动性也是需要考虑的一环。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">倒是临近退休的朋友\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（如退休5年内）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，可以买一些保本产品\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（如养老储蓄）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，这样不会损失太多流动性，也能把税收羊毛安心薅到手。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"text-align:center;margin-left: 15px; margin-right: 15px;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fc3441af3-8e31-4f38-9e9d-caa7005a9032.jpg\">\u003Cstrong style=\"color: #222222;text-align: center;caret-color: #333333;text-wrap: wrap;background-color: #ffffff;font-size: var(--articleFontsize);letter-spacing: 0.544px;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;visibility: visible;color: #d6a841;font-family:Optima-Regular, PingFangTC-light;\">03 未来预估\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">这一步，是估计未来养老金，能拿多少。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F48d5eb7f-a50d-415b-b4a5-f0f6c232ca43.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">按照基本养老金的公式，这和\u003Cstrong>退休地的平均工资，你的收入、社会平均收入涨幅、缴费年限\u003C\u002Fstrong>都有关系。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F542c8d8b-a160-4365-adca-b5c7198205ab.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">具体是怎么算的呢？来看个例子——\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">有位50岁的女员工今年在上海退休，她的缴费年限29年9个月，平均缴费指数\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（每月缴费基数与社平工资比值的平均数）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">是0.8488，使用2022年上海的社平工资12183元计算，\u003Cstrong>基本养老金为3350.1元\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">计算过程是：12183元×（1＋0.8488）÷2×29.75年×1%=3350.1元。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fae84d442-d0cf-4196-a838-770b4c7b6ae6.jpg\"> \u003Cspan style=\"color: rgb(136, 136, 136);font-size: 14px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">图源：网络\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">个人账户的养老金\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，是退休时个人账户的余额÷退休年龄确定的计发月数。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">计发月数全国统一，50岁计发月数是195个月，55岁是170个月，60岁是139个月。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F3a47f8d8-a30c-4820-ad62-8fdf480a9e4a.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">拿上面的例子来说，这位女员工50岁退休，对应的计发月数是195月。每月能得到470元，说明她个人账户余额有9.1万。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">现在找工作难度大，我调低了对未来的预期，做了些假设：\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">（1）个人收入1万块，一直0增长；\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">（2）\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);text-wrap: wrap;background-color: rgb(255, 255, 255);font-family:Optima-Regular, PingFangTC-light;\">假设40岁之后，选择灵活就业，按下限缴费\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);text-wrap: wrap;background-color: rgb(255, 255, 255);font-family:Optima-Regular, PingFangTC-light;\">；\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">（3）其他用默认参数\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（社平工资增速3%，个人账户记账利率3%）\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F79e4278e-b598-4750-85e0-acd58e371455.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">提交之后，就能得到预估的养老金结果啦。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"text-align:center;margin-left: 15px; margin-right: 15px;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F3465509a-b515-4eae-b453-d6bb15cd2b24.jpg\">\u003Cstrong style=\"color: #222222;text-align: center;caret-color: #333333;text-wrap: wrap;background-color: #ffffff;font-size: var(--articleFontsize);letter-spacing: 0.544px;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;visibility: visible;color: #d6a841;font-family:Optima-Regular, PingFangTC-light;\">04\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);background-color: rgb(255, 255, 255);font-family:Optima-Regular, PingFangTC-light;\">软件给出的养老金预估是：\u003C\u002Fspan> \u003Cspan style=\"background-color: rgb(255, 218, 169);\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">9493元\u002F月\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);background-color: rgb(255, 255, 255);font-family:Optima-Regular, PingFangTC-light;\">，相当于现在的5503元\u002F月。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F5a27a8b7-4dbb-4577-bc3c-d9e2a1b9156a.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">老实说，这个数字比我想象的高出不少，有点惊喜。再细看一下，发现\u003Cstrong>统筹账户贡献了六成\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（6244元\u002F月）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F337a1cfd-9c3c-4878-91de-c0be4f6488a4.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">主要是社会在发展，按平均工资年化3%的增速，等到我退休了\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（2046年）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，\u003Cstrong>上海的平均工资已经来到了2.4万\u002F月\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（现在是1.2万\u002F月）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F682874b6-6406-4f1d-8e93-fb5be0598e96.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">硬生生把养老金基数抬高了，就算个体收入略低于平均水平，也能享受到红利。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">当然，\u003Cstrong>以上的数据仅仅是估算的\u003C\u002Fstrong>\u003Cstrong>，能不能实现存在\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);background-color: rgb(255, 218, 169);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>很多变数\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">比如每月不一定有稳定的收入、社平工资增长没那么高；政策或许有新的变化...\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">我能想到的，是\u003C\u002Fspan> \u003Cspan style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>多给自己一些确定性\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">比如朋友买了储蓄险，55岁开始，每月就能多一笔收入。到时候一边上班，一边领双份薪水🤣；\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">我自己在定投极简，按历史7%的年化收益率算\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（假设未来能延续）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，现在每月定投1000块，30年后，这笔钱能增值到7600元；\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">还有小伙伴，老家有块地，想着过几年回家种田种水果、养些家禽，日子也不错~\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">最重要的，还有\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);background-color: rgb(255, 218, 169);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>保持终身学习\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，拥有一技之长，在飞速发展的时代中存活下来~\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">总之，每个人的实际情况不同，养老规划也因人而异。不过，尽早开始做财务、身体\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（保持健康）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">方面的准备，将有助于我们更接近理想的退休生活。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cstrong>\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">你给养老做了哪些计划？欢迎在评论区聊聊~\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003C\u002Fsection>\n\u003C\u002Fsection>","\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">延迟退休的政策出来后，很多小伙伴好奇，\u003C\u002Fspan>\u003Cstrong style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">咱们退休后到底能拿多少钱呢？\u003C\u002Fstrong>\u003C\u002Fp>\u003C\u002Fsection>\u003Cp>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">今天就来介绍一个工具——\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(214, 168, 65); font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>有知有行的养老金计算器*\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: Optima-Regular, PingFangTC-light;\">*下载路径：有知有行app-有行-财务工具-养老金计算器\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">它不只是告诉你结果，还把计算过程展示出来了。想「退休涨薪」的朋友，可以针对性查缺补漏~\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong style=\"font-size: var(--articleFontsize); letter-spacing: 0.544px; text-align: center; text-wrap-style: initial; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px; letter-spacing: 1px; visibility: visible; color: rgb(214, 168, 65); font-family: Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px; text-align: center;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fmmbiz_png\u002FAm8Qfs8miaLFP0y47k36rNGDhCM5HeemPTZzibYyT7q97SZBc8cEmoSejpfbhoCxlYgIzj9PyTM3oAzzaCIWbM5w\u002F640?wx_fmt=png\"\u002F>\u003Cstrong style=\"font-size: var(--articleFontsize); letter-spacing: 0.544px; text-wrap-style: initial; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px; letter-spacing: 1px; visibility: visible; color: rgb(214, 168, 65); font-family: Optima-Regular, PingFangTC-light;\">01 \u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cstrong style=\"color: rgb(34, 34, 34); caret-color: rgb(51, 51, 51); font-size: var(--articleFontsize); letter-spacing: 0.544px; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px; letter-spacing: 1px; visibility: visible; color: rgb(214, 168, 65); font-family: Optima-Regular, PingFangTC-light;\">默认配置\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">先来简单介绍下，我们的养老金主要由三个部分组成——\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">第一支柱：是\u003Cstrong>国家\u003C\u002Fstrong>帮你养老，就是我们常常提及的\u003Cstrong>社保\u003C\u002Fstrong>；\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">第二支柱：是\u003Cstrong>公司\u003C\u002Fstrong>帮你养老，福利好的公司会给员工缴纳\u003Cstrong>企业年金\u003C\u002Fstrong>；\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">第三支柱：是\u003Cstrong>个人\u003C\u002Fstrong>自己养老。咱们自己出钱投资、买一些商业保险。现在国家力推的个人养老金账户，还有税收减免功能。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">明白退休后的资金来源，咱们再来看养老金的计算——\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">第一步是填写基本信息。\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLFB2TsZJDWzEL07NT7eOWdP77ZhqlT1WLMzRgv2DTOIMHJtjC7icXsnUSdDcob6XaicIMuFe4Y0FduQ\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">-年龄：看看几岁退休\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">系统默认男性60岁、女性55岁退休，还没有按最新政策「渐进式」更新。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">-社保类别：企业、灵活、机关事业单位\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">这里的区分，主要看交的工资档位，交金基数不同，就会影响后面养老金的计算。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">上班的话，按照过去一年的平均工资缴纳，没有「讨价还价」的余地。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">灵活就业，可以选择交金的档位，基本上大家会按最低档60%交。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">-填写工资\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">根据世界银行的建议，想要维持退休前的生活水平，\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(214, 168, 65); font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>养老金替代率\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">的指标要\u003Cstrong>大于70%\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003C\u002Fp>\u003Cblockquote style=\"text-wrap-mode: wrap; margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: Optima-Regular, PingFangTC-light;\">养老金替代率=退休后养老金收入\u002F退休前收入*100%\u003C\u002Fspan>  \u003Cspan style=\"color: rgb(136, 136, 136); font-size: 14px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fblockquote>\u003Cp>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">简单来说，月薪1万的打工人，退休后至少要拿到7000元，才能维持退休前的生活水平。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">如果算出来的养老金，低于7000元，就该自己多一些商业险、投资方面的投入了。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">-预期寿命\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">目前，咱们的预期寿命90岁。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">随着科技发展，医疗进步，人类越活越久是个大概率事件。咱们也可以多做10年+的财务准备，有备无患。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px; text-align: center;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fmmbiz_png\u002FAm8Qfs8miaLFP0y47k36rNGDhCM5HeemPTZzibYyT7q97SZBc8cEmoSejpfbhoCxlYgIzj9PyTM3oAzzaCIWbM5w\u002F640?wx_fmt=png\"\u002F>\u003Cstrong style=\"font-size: var(--articleFontsize); letter-spacing: 0.544px; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px; letter-spacing: 1px; visibility: visible; color: rgb(214, 168, 65); font-family: Optima-Regular, PingFangTC-light;\">02 过去积累\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">接下来，要输入咱们已经给养老做的打算。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLFB2TsZJDWzEL07NT7eOWdPGXjxo0kmo35MCWboJHqBg5ERe56jvADqcqeQU6M8jygWCia49YG89KQ\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">-基本养老保险\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: Optima-Regular, PingFangTC-light;\">（个人账户）\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">国家发的退休金，由两部分构成——\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">一部分是\u003Cstrong>统筹的钱\u003C\u002Fstrong>，根据咱们的缴费年限和缴费基数来定，交的越多、交的越久，拿得也越多；\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">另一部分，是\u003Cstrong>自己攒的「小金库」\u003C\u002Fstrong>。每月交的养老保险，有一些进入了个人账户，不会被拿走。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">个人账户里有多少钱，咱们是可以查到的。根据\u003Cstrong>参保地\u003C\u002Fstrong>的不同，查询路径也不同，软件给出了引导。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLFB2TsZJDWzEL07NT7eOWdP1lxfLNiaA3lUHH7EE9AIgxABwG3xFPsS7ZWR6W2BVH1zTib6fVeFBlOQ\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">如果不止在一个地方交过社保呢，可以点击\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(214, 168, 65); font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>「增加其他参保地」\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">，把各地的「小金库」都盘点清楚。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">-企业年金\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">有的单位，通常是央国企，除了交五险一金外，还会给员工交\u003Cstrong>企业年金\u003C\u002Fstrong>，作为退休福利。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">我的前单位交过，能在银行app查到\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: Optima-Regular, PingFangTC-light;\">（可以问问HR怎么查）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">，但要等到退休了，才能拿出来花。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLFB2TsZJDWzEL07NT7eOWdPsXvAibHLesCc96XRpJwodO1JgtxdeDB7eNor2FysaUV0xeCsKwtdsLA\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: Optima-Regular, PingFangTC-light;\">图源：招行app-搜索「企业年金」\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">-个人养老金\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">咱们每年有1.2万的额度，根据所处税率档位的不同，当年能省最多几千块的税费。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">不过，个人养老金里产品，选择比较有限，不能买海外基金，也不能买商品基金，所以我开户了，但没有买产品。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">另外，这笔钱几十年之后才能取出，流动性也是需要考虑的一环。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">倒是临近退休的朋友\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: Optima-Regular, PingFangTC-light;\">（如退休5年内）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">，可以买一些保本产品\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: Optima-Regular, PingFangTC-light;\">（如养老储蓄）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">，这样不会损失太多流动性，也能把税收羊毛安心薅到手。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px; text-align: center;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fmmbiz_png\u002FAm8Qfs8miaLFP0y47k36rNGDhCM5HeemPTZzibYyT7q97SZBc8cEmoSejpfbhoCxlYgIzj9PyTM3oAzzaCIWbM5w\u002F640?wx_fmt=png\"\u002F>\u003Cstrong style=\"text-wrap-style: initial; background-color: rgb(255, 255, 255); font-size: var(--articleFontsize); letter-spacing: 0.544px; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px; letter-spacing: 1px; visibility: visible; color: rgb(214, 168, 65); font-family: Optima-Regular, PingFangTC-light;\">03 未来预估\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">这一步，是估计未来养老金，能拿多少。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLFB2TsZJDWzEL07NT7eOWdPNDIDwI4LniaFib2RTwKn3au6zVicutfYuKUk8Q1gAV73uRJUVsQu7EeRw\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">按照基本养老金的公式，这和\u003Cstrong>退休地的平均工资，你的收入、社会平均收入涨幅、缴费年限\u003C\u002Fstrong>都有关系。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_jpg\u002FAm8Qfs8miaLFB2TsZJDWzEL07NT7eOWdPBDu2Yn5NrzhCSFenxHG5T0cef6d8XicGbZvicmRDdJk6iaM5KQogF9u2A\u002F640?wx_fmt=jpeg&from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">具体是怎么算的呢？来看个例子——\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">有位50岁的女员工今年在上海退休，她的缴费年限29年9个月，平均缴费指数\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: Optima-Regular, PingFangTC-light;\">（每月缴费基数与社平工资比值的平均数）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">是0.8488，使用2022年上海的社平工资12183元计算，\u003Cstrong>基本养老金为3350.1元\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">计算过程是：12183元×（1＋0.8488）÷2×29.75年×1%=3350.1元。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLFB2TsZJDWzEL07NT7eOWdPs8YAZdtBqejoicRPlVZCoXXx4YLmqW9fBWjNPGiaj5LHsWYLrcWgQIag\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003Cspan style=\"color: rgb(136, 136, 136); font-size: 14px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: Optima-Regular, PingFangTC-light;\">图源：网络\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">个人账户的养老金\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">，是退休时个人账户的余额÷退休年龄确定的计发月数。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">计发月数全国统一，50岁计发月数是195个月，55岁是170个月，60岁是139个月。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLFB2TsZJDWzEL07NT7eOWdPRfw5iarKTxKBAQ2yzDhecbiaMOARokxBDy00SsRhZibXsdCdHiaevLFGIA\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">拿上面的例子来说，这位女员工50岁退休，对应的计发月数是195月。每月能得到470元，说明她个人账户余额有9.1万。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">现在找工作难度大，我调低了对未来的预期，做了些假设：\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">（1）个人收入1万块，一直0增长；\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">（2）\u003Cspan style=\"text-wrap-style: initial; background-color: rgb(255, 255, 255);\">假设40岁之后，选择灵活就业，按下限缴费\u003C\u002Fspan>\u003Cspan style=\"text-wrap-style: initial; background-color: rgb(255, 255, 255);\">；\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">（3）其他用默认参数\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: Optima-Regular, PingFangTC-light;\">（社平工资增速3%，个人账户记账利率3%）\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLFB2TsZJDWzEL07NT7eOWdPc5soaLFTBXUImzHQ1ibUTUmqjcktft8icFLnicecbyGNiaZrb9OhDV03yw\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">提交之后，就能得到预估的养老金结果啦。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px; text-align: center;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fmmbiz_png\u002FAm8Qfs8miaLFP0y47k36rNGDhCM5HeemPTZzibYyT7q97SZBc8cEmoSejpfbhoCxlYgIzj9PyTM3oAzzaCIWbM5w\u002F640?wx_fmt=png\"\u002F>\u003Cstrong style=\"text-wrap-style: initial; background-color: rgb(255, 255, 255); font-size: var(--articleFontsize); letter-spacing: 0.544px; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px; letter-spacing: 1px; visibility: visible; color: rgb(214, 168, 65); font-family: Optima-Regular, PingFangTC-light;\">04\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); font-family: Optima-Regular, PingFangTC-light;\">软件给出的养老金预估是：\u003C\u002Fspan> \u003Cspan style=\"background-color: rgb(255, 218, 169);\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">9493元\u002F月\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); font-family: Optima-Regular, PingFangTC-light;\">，相当于现在的5503元\u002F月。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLFB2TsZJDWzEL07NT7eOWdPrLyM8mrn6vFm0h1WUDeFmEGicbUZRuNppKkUrgUHOzvIQv7qXknmwvg\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">老实说，这个数字比我想象的高出不少，有点惊喜。再细看一下，发现\u003Cstrong>统筹账户贡献了六成\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: Optima-Regular, PingFangTC-light;\">（6244元\u002F月）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLFB2TsZJDWzEL07NT7eOWdPv8ZxFwvAYcHaiaibO9V7BwuA9uRzaUDvxhrJ7OI426dywPaK6pPSjvZw\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">主要是社会在发展，按平均工资年化3%的增速，等到我退休了\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: Optima-Regular, PingFangTC-light;\">（2046年）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">，\u003Cstrong>上海的平均工资已经来到了2.4万\u002F月\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: Optima-Regular, PingFangTC-light;\">（现在是1.2万\u002F月）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLFB2TsZJDWzEL07NT7eOWdP0htp9JsWVfRiaETeLfvibTffEPpVJPfVBOTphLgmhBEu127pp57AxMZA\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">硬生生把养老金基数抬高了，就算个体收入略低于平均水平，也能享受到红利。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">当然，\u003Cstrong>以上的数据仅仅是估算的\u003C\u002Fstrong>\u003Cstrong>，能不能实现存在\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 218, 169); font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>很多变数\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">比如每月不一定有稳定的收入、社平工资增长没那么高；政策或许有新的变化...\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">我能想到的，是\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(214, 168, 65); font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>多给自己一些确定性\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">比如朋友买了储蓄险，55岁开始，每月就能多一笔收入。到时候一边上班，一边领双份薪水🤣；\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">我自己在定投极简，按历史7%的年化收益率算\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: Optima-Regular, PingFangTC-light;\">（假设未来能延续）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">，现在每月定投1000块，30年后，这笔钱能增值到7600元；\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">还有小伙伴，老家有块地，想着过几年回家种田种水果、养些家禽，日子也不错~\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">最重要的，还有\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 218, 169); font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>保持终身学习\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">，拥有一技之长，在飞速发展的时代中存活下来~\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">总之，每个人的实际情况不同，养老规划也因人而异。不过，尽早开始做财务、身体\u003C\u002Fspan> \u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: Optima-Regular, PingFangTC-light;\">（保持健康）\u003C\u002Fspan> \u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">方面的准备，将有助于我们更接近理想的退休生活。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">你给养老做了哪些计划？欢迎在评论区聊聊~\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>","2024-12-26 06:25:00","2024-12-25 10:56:10",100,0,"liuweixin@jane7.com","2024-12-25 10:56:14",261,false,16715,7,"1038002",4,[],[],[],[],[]]