「模拟炒股」[股票 t]概述交养老保险划算吗，看看养老保险怎

摘[zhai]要[yao]： 总[zong]人[ren]有[you]对[dui]养[yang]老[lao]保[bao]险[xian]存[cun]有[you]这[zhe]种[zhong]疑[yi]问[wen]，交[jiao]养[yang]老[lao]保[bao]险[xian]划[hua]算[suan]吗[ma]？养[yang]老[lao]保[bao]险[xian]安[an]全[quan]吗[ma]？养[yang]老[lao]保[bao]险[xian]值[zhi]得[de]买[mai]吗[ma]？事[shi]实[shi]上[shang]，有[you]这[zhe]样[yang]的[de]疑[yi]问[wen]证[zheng]明[ming]你[ni]对[dui]养[yang]老[lao]保[bao]险[xian]还[huai]不[bu]够[gou]了[liao]解[jie]，对[dui]养[yang]老[lao]保[bao]险[xian]的[de]计[ji]算[suan]方[fang]式[shi]还[huai]不[bu]够[gou]清[qing]楚[chu]。下[xia]面[mian]小[xiao]编[bian]就[jiu]带[dai]大[da]家[jia]算[suan]算[suan]养[yang]老[lao]保[bao]险[xian]，算[suan]完[wan]之[zhi]后[hou]你[ni]就[jiu]知[zhi]道[dao]交[jiao]养[yang]老[lao]保[bao]险[xian]划[hua]不[bu]划[hua]算[suan]了[liao]！接[jie]下[xia]来[lai]为[wei]大[da]家[jia]介[jie]绍[shao] t"[股[gu]票[piao] t]概[gai]述[shu]交[jiao]养[yang]老[lao]保[bao]险[xian]划[hua]算[suan]吗[ma]，看[kan]看[kan]养[yang]老[lao]保[bao]险[xian]怎[zen]么[me]计[ji]算[suan]你[ni]就[jiu]知[zhi]道[dao]了[liao]！"不[bu]明[ming]白[bai]的[de]就[jiu]来[lai]了[liao]解[jie]一[yi]下[xia]吧[ba]
交[jiao]养[yang]老[lao]保[bao]险[xian]划[hua]算[suan]吗[ma]，看[kan]看[kan]养[yang]老[lao]保[bao]险[xian]怎[zen]么[me]计[ji]算[suan]你[ni]就[jiu]知[zhi]道[dao]了[liao]！

　　总[zong]人[ren]有[you]对[dui]养[yang]老[lao]保[bao]险[xian]存[cun]有[you]这[zhe]种[zhong]疑[yi]问[wen]，交[jiao]养[yang]老[lao]保[bao]险[xian]划[hua]算[suan]吗[ma]？养[yang]老[lao]保[bao]险[xian]安[an]全[quan]吗[ma]？养[yang]老[lao]保[bao]险[xian]值[zhi]得[de]买[mai]吗[ma]？事[shi]实[shi]上[shang]，有[you]这[zhe]样[yang]的[de]疑[yi]问[wen]证[zheng]明[ming]你[ni]对[dui]养[yang]老[lao]保[bao]险[xian]还[huai]不[bu]够[gou]了[liao]解[jie]，对[dui]养[yang]老[lao]保[bao]险[xian]的[de]计[ji]算[suan]方[fang]式[shi]还[huai]不[bu]够[gou]清[qing]楚[chu]。下[xia]面[mian]小[xiao]编[bian]就[jiu]带[dai]大[da]家[jia]算[suan]算[suan]养[yang]老[lao]保[bao]险[xian]，算[suan]完[wan]之[zhi]后[hou]你[ni]就[jiu]知[zhi]道[dao]交[jiao]养[yang]老[lao]保[bao]险[xian]划[hua]不[bu]划[hua]算[suan]了[liao]！

　　个[ge]人[ren]养[yang]老[lao]保[bao]险[xian]也[ye]叫[jiao]养[yang]老[lao]金[jin]，一[yi]共[gong]由[you]四[si]部[bu]分[fen]组[zu]成[cheng]，分[fen]别[bie]是[shi]基[ji]础[chu]养[yang]老[lao]金[jin]、个[ge]人[ren]账[zhang]户[hu]养[yang]老[lao]金[jin]、缴[jiao]费[fei]年[nian]限[xian]津[jin]贴[tie]以[yi]及[ji]过[guo]渡[du]性[xing]养[yang]老[lao]金[jin]，具[ju]体[ti]计[ji]算[suan]公[gong]式[shi]如[ru]下[xia]：

　　1、基[ji]础[chu]养[yang]老[lao]金[jin]=（全[quan]省[sheng]上[shang]年[nian]度[du]在[zai]岗[gang]职[zhi]工[gong]月[yue]平[ping]均[jun]工[gong]资[zi]+全[quan]省[sheng]上[shang]年[nian]度[du]在[zai]岗[gang]职[zhi]工[gong]月[yue]平[ping]均[jun]工[gong]资[zi]月[yue]平[ping]均[jun]缴[jiao]费[fei]指[zhi]数[shu]）2缴[jiao]费[fei]年[nian]限[xian]1%

　　2、个[ge]人[ren]账[zhang]户[hu]养[yang]老[lao]金[jin]=个[ge]人[ren]账[zhang]户[hu]储[chu]存[cun]额[e]计[ji]发[fa]月[yue]数[shu]（退[tui]休[xiu]年[nian]龄[ling]越[yue]大[da]，计[ji]发[fa]月[yue]数[shu]越[yue]小[xiao]。比[bi]如[ru]50周[zhou]岁[sui]为[wei]195，60周[zhou]岁[sui]为[wei]139）

　　3、缴[jiao]费[fei]年[nian]限[xian]津[jin]贴[tie]=缴[jiao]费[fei]年[nian]限[xian]4

　　4、过[guo]渡[du]性[xing]养[yang]老[lao]金[jin]不[bu]低[di]于[yu]100元[yuan]

　　公[gong]式[shi]摆[bai]上[shang]了[liao]，具[ju]体[ti]怎[zen]么[me]用[yong]？举[ju]个[ge]例[li]子[zi]：

　　一[yi]、假[jia]设[she]老[lao]刘[liu]于[yu]2016年[nian]10月[yue]60岁[sui]退[tui]休[xiu]。

　　退[tui]休[xiu]时[shi]，他[ta]只[zhi]交[jiao]了[liao]15年[nian]的[de]养[yang]老[lao]保[bao]险[xian]，总[zong]共[gong]付[fu]了[liao]12万[wan]元[yuan]，他[ta]在[zai]其[qi]中[zhong]的[de]个[ge]人[ren]账[zhang]户[hu]存[cun]款[kuan]是[shi]4.5万[wan]元[yuan]。

　　2015年[nian]，广[guang]东[dong]省[sheng]在[zai]职[zhi]员[yuan]工[gong]月[yue]平[ping]均[jun]工[gong]资[zi]为[wei]5525元[yuan]，老[lao]刘[liu]一[yi]直[zhi]选[xuan]择[ze]广[guang]东[dong]省[sheng]在[zai]职[zhi]员[yuan]工[gong]月[yue]平[ping]均[jun]工 t[gong]资[zi]的[d股票 te]60%作[zuo]为[wei]支[zhi]付[fu]基[ji]数[shu]。

　　因[yin]此[ci]，养[yang]老[lao]金[jin]老[lao]师[shi]在[zai]第[di]一[yi]个[ge]月[yue]收[shou]到[dao]的[de]是[shi]：

　　基[ji]本[ben]养[yang]老[lao]金[jin]：

　　（5525+55250.6）2151%=663元[yuan]

　　养[yang]老[lao]金[jin]个[ge]人[ren]账[zhang]户[hu]=45000139=323.74元[yuan]

　　过[guo]渡[du]性[xing]养[yang]老[lao]金[jin]100元[yuan]（无[wu]视[shi]同[tong]缴[jiao]费[fei]权[quan]益[yi]）

　　支[zhi]付[fu]年[nian]津[jin]贴[tie]=154=60元[yuan]

　　合[he]计[ji]：663+323.74+100+60=1146.74元[yuan]

　　假[jia]设[she]目[mu]前[qian]，广[guang]东[dong]某[mou]市[shi]的[de]平[ping]均[jun]预[yu]期[qi]寿[shou]命[ming]为[wei]82.5岁[sui]。