现在的中国，退休金1万元是什么概念？

问：_blank class=infotextkey>get=_blank class=infotextkey>“在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国，_blank class=infotextkey>get=_blank class=infotextkey>退休_blank class=infotextkey>get=_blank class=infotextkey>金1_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元是_blank class=infotextkey>get=_blank class=infotextkey>什么_blank class=infotextkey>get=_blank class=infotextkey>概念？_blank class=infotextkey>get=_blank class=infotextkey>”

答：_blank class=infotextkey>get=_blank class=infotextkey>“很_blank class=infotextkey>get=_blank class=infotextkey>多钱了，比95%的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>老_blank class=infotextkey>get=_blank class=infotextkey>人都_blank class=infotextkey>get=_blank class=infotextkey>多。_blank class=infotextkey>get=_blank class=infotextkey>”

_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最_blank class=infotextkey>近，_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>网友咨询我_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>关于_blank class=infotextkey>get=_blank class=infotextkey>退休_blank class=infotextkey>get=_blank class=infotextkey>金的_blank class=infotextkey>get=_blank class=infotextkey>问题，由_blank class=infotextkey>get=_blank class=infotextkey>头是他在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海奉贤区某_blank class=infotextkey>get=_blank class=infotextkey>养_blank class=infotextkey>get=_blank class=infotextkey>老院认识_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>老年_blank class=infotextkey>get=_blank class=infotextkey>朋友，_blank class=infotextkey>这位_blank class=infotextkey>get=_blank class=infotextkey>老者_blank class=infotextkey>get=_blank class=infotextkey>告诉他，_blank class=infotextkey>get=_blank class=infotextkey>每月能_blank class=infotextkey>get=_blank class=infotextkey>领取_blank class=infotextkey>get=_blank class=infotextkey>退休工资9700元。

_blank class=infotextkey>不过，能拿_blank class=infotextkey>get=_blank class=infotextkey>如此_blank class=infotextkey>get=_blank class=infotextkey>高薪的_blank class=infotextkey>get=_blank class=infotextkey>人并_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>多，_blank class=infotextkey>他们_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>get=_blank class=infotextkey>多数属于_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政府离休_blank class=infotextkey>get=_blank class=infotextkey>干_blank class=infotextkey>部、事业_blank class=infotextkey>单位的_blank class=infotextkey>get=_blank class=infotextkey>高级职工或是_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>大型国企的_blank class=infotextkey>get=_blank class=infotextkey>高级_blank class=infotextkey>get=_blank class=infotextkey>干_blank class=infotextkey>部。

_blank class=infotextkey>g>实际_blank class=infotextkey>get=_blank class=infotextkey>上，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海得益于_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济发达，_blank class=infotextkey>get=_blank class=infotextkey>退休_blank class=infotextkey>get=_blank class=infotextkey>金在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国范围内也算得_blank class=infotextkey>get=_blank class=infotextkey>领先，_blank class=infotextkey>get=_blank class=infotextkey>2019年_blank class=infotextkey>get=_blank class=infotextkey>人均_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>养_blank class=infotextkey>get=_blank class=infotextkey>老_blank class=infotextkey>get=_blank class=infotextkey>金已_blank class=infotextkey>近_blank class=infotextkey>get=_blank class=infotextkey>4000元。_blank class=infotextkey>g>

_blank class=infotextkey>get=_blank class=infotextkey>大林我估计，_blank class=infotextkey>近_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元的_blank class=infotextkey>get=_blank class=infotextkey>退休_blank class=infotextkey>get=_blank class=infotextkey>金可能惹来_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>少_blank class=infotextkey>get=_blank class=infotextkey>人的羡慕嫉妒恨！

当然，_blank class=infotextkey>get=_blank class=infotextkey>这是_blank class=infotextkey>get=_blank class=infotextkey>人均_blank class=infotextkey>get=_blank class=infotextkey>水平，_blank class=infotextkey>get=_blank class=infotextkey>具_blank class=infotextkey>get=_blank class=infotextkey>体到个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>少的_blank class=infotextkey>get=_blank class=infotextkey>差距。

举例一：

1、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>2018年刚_blank class=infotextkey>get=_blank class=infotextkey>退休的职工_blank class=infotextkey>get=_blank class=infotextkey>缴费_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>get=_blank class=infotextkey>5年，_blank class=infotextkey>get=_blank class=infotextkey>退休基本_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>养_blank class=infotextkey>get=_blank class=infotextkey>老_blank class=infotextkey>get=_blank class=infotextkey>金是1500元，_blank class=infotextkey>get=_blank class=infotextkey>2019年_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>增长_blank class=infotextkey>定额_blank class=infotextkey>get=_blank class=infotextkey>60元，_blank class=infotextkey>get=_blank class=infotextkey>挂钩_blank class=infotextkey>get=_blank class=infotextkey>调整_blank class=infotextkey>3_blank class=infotextkey>3元＋_blank class=infotextkey>30元，_blank class=infotextkey>合计_blank class=infotextkey>get=_blank class=infotextkey>增长1_blank class=infotextkey>get=_blank class=infotextkey>2_blank class=infotextkey>3元，_blank class=infotextkey>get=_blank class=infotextkey>增长幅度是8._blank class=infotextkey>get=_blank class=infotextkey>2%。

_blank class=infotextkey>get=_blank class=infotextkey>2、已经_blank class=infotextkey>get=_blank class=infotextkey>退休的_blank class=infotextkey>get=_blank class=infotextkey>老职工70岁，_blank class=infotextkey>get=_blank class=infotextkey>缴费_blank class=infotextkey>30年，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>2018年基本_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>养_blank class=infotextkey>get=_blank class=infotextkey>老_blank class=infotextkey>get=_blank class=infotextkey>金是_blank class=infotextkey>get=_blank class=infotextkey>4000元，_blank class=infotextkey>get=_blank class=infotextkey>2019年_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>增长_blank class=infotextkey>定额_blank class=infotextkey>get=_blank class=infotextkey>60元，_blank class=infotextkey>get=_blank class=infotextkey>挂钩_blank class=infotextkey>get=_blank class=infotextkey>调整88元＋_blank class=infotextkey>get=_blank class=infotextkey>60元，倾斜照顾_blank class=infotextkey>get=_blank class=infotextkey>20元，_blank class=infotextkey>合计增加_blank class=infotextkey>get=_blank class=infotextkey>2_blank class=infotextkey>get=_blank class=infotextkey>28元，_blank class=infotextkey>get=_blank class=infotextkey>增长幅度5.7%。

_blank class=infotextkey>get=_blank class=infotextkey>现在，为_blank class=infotextkey>get=_blank class=infotextkey>什么_blank class=infotextkey>get=_blank class=infotextkey>如此_blank class=infotextkey>get=_blank class=infotextkey>多_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>关注_blank class=infotextkey>get=_blank class=infotextkey>退休_blank class=infotextkey>get=_blank class=infotextkey>金呢？

主因是_blank class=infotextkey>近些年，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳.fan_blank class=infotextkey>g558.com/shiyan/ tar_blank class=infotextkey>get=_blank class=infotextkey>石岩_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房，_blank class=infotextkey>get=_blank class=infotextkey>退休_blank class=infotextkey>get=_blank class=infotextkey>金年年涨，而且_blank class=infotextkey>get=_blank class=infotextkey>增速_blank class=infotextkey>不低。

_blank class=infotextkey>get=_blank class=infotextkey>2019年，_blank class=infotextkey>get=_blank class=infotextkey>增长5%

_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>2018年，_blank class=infotextkey>get=_blank class=infotextkey>增长5%

_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>2017年，_blank class=infotextkey>get=_blank class=infotextkey>增长5.5%

_blank class=infotextkey>get=_blank class=infotextkey>增速_blank class=infotextkey>get=_blank class=infotextkey>高峰期_blank class=infotextkey>get=_blank class=infotextkey>发生在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>200_blank class=infotextkey>get=_blank class=infotextkey>5年_blank class=infotextkey>get=_blank class=infotextkey>20_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>get=_blank class=infotextkey>5年，年均_blank class=infotextkey>get=_blank class=infotextkey>增速_blank class=infotextkey>get=_blank class=infotextkey>高达_blank class=infotextkey>get=_blank class=infotextkey>10%。_blank class=infotextkey>get=_blank class=infotextkey>大林的父亲_blank class=infotextkey>get=_blank class=infotextkey>身处四线_blank class=infotextkey>get=_blank class=infotextkey>城市，_blank class=infotextkey>get=_blank class=infotextkey>每月能拿_blank class=infotextkey>get=_blank class=infotextkey>2_blank class=infotextkey>300元的_blank class=infotextkey>get=_blank class=infotextkey>退休_blank class=infotextkey>get=_blank class=infotextkey>金。

_blank class=infotextkey>g>二、_blank class=infotextkey>get=_blank class=infotextkey>上班族的感受_blank class=infotextkey>g>

与跳_blank class=infotextkey>get=_blank class=infotextkey>广场舞的_blank class=infotextkey>get=_blank class=infotextkey>退休_blank class=infotextkey>get=_blank class=infotextkey>大妈相对的是在_blank class=infotextkey>职场_blank class=infotextkey>get=_blank class=infotextkey>上奋斗的年轻_blank class=infotextkey>get=_blank class=infotextkey>人，这群_blank class=infotextkey>get=_blank class=infotextkey>社_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>中坚_blank class=infotextkey>get=_blank class=infotextkey>力量更_blank class=infotextkey>get=_blank class=infotextkey>多感_blank class=infotextkey>get=_blank class=infotextkey>受到的是_blank class=infotextkey>get=_blank class=infotextkey>生活_blank class=infotextkey>不易。

_blank class=infotextkey>gn="center">_blank class=infotextkey>g alt="_blank class=infotextkey>get=_blank class=infotextkey>现在的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国，_blank class=infotextkey>get=_blank class=infotextkey>退休_blank class=infotextkey>get=_blank class=infotextkey>金1_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元是_blank class=infotextkey>get=_blank class=infotextkey>什么_blank class=infotextkey>get=_blank class=infotextkey>概念？" src="https://fs.fan_blank class=infotextkey>gdd.com/data/wide/FrU_blank class=infotextkey>g_blank class=infotextkey>gArSpU_blank class=infotextkey>get=_blank class=infotextkey>2JPzb1eeYkOLkcAEyp.jp_blank class=infotextkey>g"/>

_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>11月14日，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳市_blank class=infotextkey>get=_blank class=infotextkey>人力_blank class=infotextkey>get=_blank class=infotextkey>资源和_blank class=infotextkey>get=_blank class=infotextkey>社_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保障局_blank class=infotextkey>get=_blank class=infotextkey>发_blank class=infotextkey>get=_blank class=infotextkey>布的《_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳市_blank class=infotextkey>get=_blank class=infotextkey>2019年_blank class=infotextkey>get=_blank class=infotextkey>人力_blank class=infotextkey>get=_blank class=infotextkey>资源_blank class=infotextkey>get=_blank class=infotextkey>市场工资_blank class=infotextkey>get=_blank class=infotextkey>指导价位》或许能_blank class=infotextkey>get=_blank class=infotextkey>深度解析_blank class=infotextkey>get=_blank class=infotextkey>问题。_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>真实的_blank class=infotextkey>get=_blank class=infotextkey>情况是混迹_blank class=infotextkey>get=_blank class=infotextkey>一线_blank class=infotextkey>get=_blank class=infotextkey>城市（_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳）的_blank class=infotextkey>get=_blank class=infotextkey>人们，工资并_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有想象_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>get=_blank class=infotextkey>高。

_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳的这份_blank class=infotextkey>get=_blank class=infotextkey>报告_blank class=infotextkey>共抽取_blank class=infotextkey>1164 家_blank class=infotextkey>get=_blank class=infotextkey>企业，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>获取了 _blank class=infotextkey>get=_blank class=infotextkey>245715 名_blank class=infotextkey>get=_blank class=infotextkey>员工的薪酬_blank class=infotextkey>get=_blank class=infotextkey>调查_blank class=infotextkey>get=_blank class=infotextkey>资料。经过逻辑性和_blank class=infotextkey>合理性的_blank class=infotextkey>get=_blank class=infotextkey>数据_blank class=infotextkey>get=_blank class=infotextkey>审核，确_blank class=infotextkey>定 1_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>34 家_blank class=infotextkey>get=_blank class=infotextkey>企业的从业_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>员工资报酬_blank class=infotextkey>get=_blank class=infotextkey>调查_blank class=infotextkey>get=_blank class=infotextkey>数据制作工资_blank class=infotextkey>get=_blank class=infotextkey>指导价位。

_blank class=infotextkey>get=_blank class=infotextkey>2019年，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳市_blank class=infotextkey>get=_blank class=infotextkey>人力_blank class=infotextkey>get=_blank class=infotextkey>资源_blank class=infotextkey>get=_blank class=infotextkey>市场_blank class=infotextkey>get=_blank class=infotextkey>全_blank class=infotextkey>get=_blank class=infotextkey>行业_blank class=infotextkey>get=_blank class=infotextkey>平均月薪为7_blank class=infotextkey>361元，_blank class=infotextkey>get=_blank class=infotextkey>中位值为58_blank class=infotextkey>get=_blank class=infotextkey>26元。在个_blank class=infotextkey>get=_blank class=infotextkey>人感受_blank class=infotextkey>get=_blank class=infotextkey>上，_blank class=infotextkey>get=_blank class=infotextkey>中位数比_blank class=infotextkey>get=_blank class=infotextkey>平均数_blank class=infotextkey>get=_blank class=infotextkey>更加_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>真实。

而且，_blank class=infotextkey>get=_blank class=infotextkey>这些钱还_blank class=infotextkey>_blank class=infotextkey>不是到手的钱。以_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳为例：

1、月薪58_blank class=infotextkey>get=_blank class=infotextkey>26元，税后4890元

_blank class=infotextkey>get=_blank class=infotextkey>2、月薪7_blank class=infotextkey>361元，税后6144元

_blank class=infotextkey>3、月薪_blank class=infotextkey>get=_blank class=infotextkey>10000元，税后8_blank class=infotextkey>get=_blank class=infotextkey>267元

_blank class=infotextkey>g>扣掉_blank class=infotextkey>get=_blank class=infotextkey>房租水电_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>2000元（_blank class=infotextkey>get=_blank class=infotextkey>非_blank class=infotextkey>get=_blank class=infotextkey>常低的估算值），刚入_blank class=infotextkey>get=_blank class=infotextkey>社_blank class=infotextkey>get=_blank class=infotextkey>会的_blank class=infotextkey>get=_blank class=infotextkey>一线_blank class=infotextkey>get=_blank class=infotextkey>城市年轻_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>真正的_blank class=infotextkey>get=_blank class=infotextkey>生活_blank class=infotextkey>get=_blank class=infotextkey>质量或许比_blank class=infotextkey>get=_blank class=infotextkey>一个月拿_blank class=infotextkey>get=_blank class=infotextkey>2_blank class=infotextkey>300元_blank class=infotextkey>get=_blank class=infotextkey>退休_blank class=infotextkey>get=_blank class=infotextkey>金的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>老_blank class=infotextkey>get=_blank class=infotextkey>人还低。_blank class=infotextkey>g>

若_blank class=infotextkey>get=_blank class=infotextkey>自己辛勤_blank class=infotextkey>get=_blank class=infotextkey>工作，_blank class=infotextkey>get=_blank class=infotextkey>退休后能享受类似父辈_blank class=infotextkey>get=_blank class=infotextkey>高速_blank class=infotextkey>get=_blank class=infotextkey>增长的_blank class=infotextkey>get=_blank class=infotextkey>退休_blank class=infotextkey>get=_blank class=infotextkey>金，估计很_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>多年轻_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>应该_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>觉得难受。_blank class=infotextkey>get=_blank class=infotextkey>现在，_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>部分_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>觉得亏，_blank class=infotextkey>get=_blank class=infotextkey>主要是_blank class=infotextkey>get=_blank class=infotextkey>媒_blank class=infotextkey>get=_blank class=infotextkey>体们经_blank class=infotextkey>get=_blank class=infotextkey>常谈论的_blank class=infotextkey>get=_blank class=infotextkey>老龄化和_blank class=infotextkey>get=_blank class=infotextkey>少_blank class=infotextkey>get=_blank class=infotextkey>子化_blank class=infotextkey>get=_blank class=infotextkey>问题，_blank class=infotextkey>get=_blank class=infotextkey>简_blank class=infotextkey>单说_blank class=infotextkey>get=_blank class=infotextkey>就是_blank class=infotextkey>get=_blank class=infotextkey>80后、90后_blank class=infotextkey>get=_blank class=infotextkey>退休的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时候，缴纳五险一_blank class=infotextkey>get=_blank class=infotextkey>金的_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>少了，而_blank class=infotextkey>get=_blank class=infotextkey>领取_blank class=infotextkey>get=_blank class=infotextkey>退休_blank class=infotextkey>get=_blank class=infotextkey>金的_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>多了。

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在_blank class=infotextkey>get=_blank class=infotextkey>上个世纪90年_blank class=infotextkey>get=_blank class=infotextkey>代，_blank class=infotextkey>get=_blank class=infotextkey>大林父亲正值壮年_blank class=infotextkey>get=_blank class=infotextkey>却_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不幸_blank class=infotextkey>get=_blank class=infotextkey>遇到国企失业_blank class=infotextkey>get=_blank class=infotextkey>大潮。_blank class=infotextkey>get=_blank class=infotextkey>如_blank class=infotextkey>get=_blank class=infotextkey>今能_blank class=infotextkey>get=_blank class=infotextkey>领取_blank class=infotextkey>get=_blank class=infotextkey>退休_blank class=infotextkey>get=_blank class=infotextkey>金，还得益于_blank class=infotextkey>get=_blank class=infotextkey>自己_blank class=infotextkey>get=_blank class=infotextkey>一次性花费4_blank class=infotextkey>get=_blank class=infotextkey>万_blank class=infotextkey>get=_blank class=infotextkey>多补缴社_blank class=infotextkey>get=_blank class=infotextkey>保，因为失业后_blank class=infotextkey>单位_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>再缴纳。

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如图所示，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>养_blank class=infotextkey>get=_blank class=infotextkey>老_blank class=infotextkey>get=_blank class=infotextkey>金由_blank class=infotextkey>get=_blank class=infotextkey>“个_blank class=infotextkey>get=_blank class=infotextkey>人账户_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>养_blank class=infotextkey>get=_blank class=infotextkey>老_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>”和_blank class=infotextkey>get=_blank class=infotextkey>“基础_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>养_blank class=infotextkey>get=_blank class=infotextkey>老_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>”两_blank class=infotextkey>部分_blank class=infotextkey>get=_blank class=infotextkey>构成。

1、个_blank class=infotextkey>get=_blank class=infotextkey>人账户_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>养_blank class=infotextkey>get=_blank class=infotextkey>老_blank class=infotextkey>get=_blank class=infotextkey>金：_blank class=infotextkey>get=_blank class=infotextkey>主要_blank class=infotextkey>get=_blank class=infotextkey>考虑个_blank class=infotextkey>get=_blank class=infotextkey>人账户存储额，_blank class=infotextkey>get=_blank class=infotextkey>缴费_blank class=infotextkey>get=_blank class=infotextkey>多，_blank class=infotextkey>get=_blank class=infotextkey>退休后拿得_blank class=infotextkey>get=_blank class=infotextkey>多。

_blank class=infotextkey>get=_blank class=infotextkey>2、基础_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>养_blank class=infotextkey>get=_blank class=infotextkey>老_blank class=infotextkey>get=_blank class=infotextkey>金：

A、在岗职工月_blank class=infotextkey>get=_blank class=infotextkey>平均工资：各_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>水平_blank class=infotextkey>不一，_blank class=infotextkey>get=_blank class=infotextkey>具_blank class=infotextkey>get=_blank class=infotextkey>体_blank class=infotextkey>get=_blank class=infotextkey>可以电话咨询当_blank class=infotextkey>get=_blank class=infotextkey>地社_blank class=infotextkey>get=_blank class=infotextkey>保局。

B、本_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>缴费_blank class=infotextkey>get=_blank class=infotextkey>指数：个_blank class=infotextkey>get=_blank class=infotextkey>人月工资/_blank class=infotextkey>get=_blank class=infotextkey>去年在岗职工月_blank class=infotextkey>get=_blank class=infotextkey>平均工资。

C、_blank class=infotextkey>get=_blank class=infotextkey>缴费年_blank class=infotextkey>get=_blank class=infotextkey>限：_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>get=_blank class=infotextkey>5年_blank class=infotextkey>get=_blank class=infotextkey>”和_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>30年_blank class=infotextkey>get=_blank class=infotextkey>”_blank class=infotextkey>get=_blank class=infotextkey>差别巨_blank class=infotextkey>get=_blank class=infotextkey>大。

_blank class=infotextkey>get=_blank class=infotextkey>我们_blank class=infotextkey>get=_blank class=infotextkey>可以_blank class=infotextkey>get=_blank class=infotextkey>简_blank class=infotextkey>单_blank class=infotextkey>get=_blank class=infotextkey>概括为_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>上班_blank class=infotextkey>时交钱越_blank class=infotextkey>get=_blank class=infotextkey>多，缴纳_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间越长，_blank class=infotextkey>get=_blank class=infotextkey>退休_blank class=infotextkey>get=_blank class=infotextkey>金越_blank class=infotextkey>get=_blank class=infotextkey>高_blank class=infotextkey>get=_blank class=infotextkey>”。

_blank class=infotextkey>g>看似_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有讨巧的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地方，关键_blank class=infotextkey>get=_blank class=infotextkey>却在A（在岗职工月_blank class=infotextkey>get=_blank class=infotextkey>平均工资），_blank class=infotextkey>get=_blank class=infotextkey>这是按所属省市算的，_blank class=infotextkey>get=_blank class=infotextkey>你缴纳社_blank class=infotextkey>get=_blank class=infotextkey>保的_blank class=infotextkey>get=_blank class=infotextkey>城市_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济_blank class=infotextkey>get=_blank class=infotextkey>增长越强劲，当_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>居民工资_blank class=infotextkey>get=_blank class=infotextkey>增长越快，则越能享受当_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>成果。_blank class=infotextkey>g>

_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>面，以_blank class=infotextkey>get=_blank class=infotextkey>北京为例：

_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>200_blank class=infotextkey>get=_blank class=infotextkey>2年_blank class=infotextkey>get=_blank class=infotextkey>北京市在岗职工月_blank class=infotextkey>get=_blank class=infotextkey>平均工资为15_blank class=infotextkey>08，而_blank class=infotextkey>get=_blank class=infotextkey>201_blank class=infotextkey>get=_blank class=infotextkey>6年为7_blank class=infotextkey>086，_blank class=infotextkey>get=_blank class=infotextkey>增长4.69倍，年均_blank class=infotextkey>get=_blank class=infotextkey>增幅_blank class=infotextkey>11.95%。期间，_blank class=infotextkey>get=_blank class=infotextkey>退休_blank class=infotextkey>get=_blank class=infotextkey>人员的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>养_blank class=infotextkey>get=_blank class=infotextkey>老_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>增幅与之类似。

_blank class=infotextkey>gn="center">_blank class=infotextkey>g alt="_blank class=infotextkey>get=_blank class=infotextkey>现在的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国，_blank class=infotextkey>get=_blank class=infotextkey>退休_blank class=infotextkey>get=_blank class=infotextkey>金1_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元是_blank class=infotextkey>get=_blank class=infotextkey>什么_blank class=infotextkey>get=_blank class=infotextkey>概念？" src="https://fs.fan_blank class=infotextkey>gdd.com/data/wide/Ftnemfwe8E_blank class=infotextkey>get=_blank class=infotextkey>2z_blank class=infotextkey>3oEnRKZbq_blank class=infotextkey>gfCW_X.jp_blank class=infotextkey>g"/>

所以，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>平均工资快速_blank class=infotextkey>get=_blank class=infotextkey>增长的_blank class=infotextkey>get=_blank class=infotextkey>城市_blank class=infotextkey>get=_blank class=infotextkey>养_blank class=infotextkey>get=_blank class=infotextkey>老是_blank class=infotextkey>get=_blank class=infotextkey>非_blank class=infotextkey>get=_blank class=infotextkey>常_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>重要的。在此心疼_blank class=infotextkey>get=_blank class=infotextkey>一_blank class=infotextkey>get=_blank class=infotextkey>下在_blank class=infotextkey>get=_blank class=infotextkey>东北_blank class=infotextkey>get=_blank class=infotextkey>工作的年轻_blank class=infotextkey>get=_blank class=infotextkey>朋友。

然而，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>2017年_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>养_blank class=infotextkey>get=_blank class=infotextkey>老_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>增幅_blank class=infotextkey>get=_blank class=infotextkey>却_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>降至5.5%，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>2018年和_blank class=infotextkey>get=_blank class=infotextkey>2019年更是_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>降至5%，_blank class=infotextkey>原因在于_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济_blank class=infotextkey>get=_blank class=infotextkey>增速趋缓，在岗职工月_blank class=infotextkey>get=_blank class=infotextkey>平均工资_blank class=infotextkey>get=_blank class=infotextkey>增速随之_blank class=infotextkey>get=_blank class=infotextkey>下滑，_blank class=infotextkey>get=_blank class=infotextkey>人口_blank class=infotextkey>get=_blank class=infotextkey>红利也逐渐消逝。

另_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>需要_blank class=infotextkey>get=_blank class=infotextkey>考虑的因素是性别，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>男性_blank class=infotextkey>get=_blank class=infotextkey>平均寿命比_blank class=infotextkey>女性短，且_blank class=infotextkey>get=_blank class=infotextkey>退休年龄相对晚几年，所以算_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济账，_blank class=infotextkey>女性_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>优势。

_blank class=infotextkey>g>_blank class=infotextkey>get=_blank class=infotextkey>大林预期，_blank class=infotextkey>get=_blank class=infotextkey>未来_blank class=infotextkey>get=_blank class=infotextkey>20年，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>养_blank class=infotextkey>get=_blank class=infotextkey>老_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>长期_blank class=infotextkey>get=_blank class=infotextkey>增速维持在_blank class=infotextkey>34%/年。当然，各个_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地区_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>差距，_blank class=infotextkey>get=_blank class=infotextkey>人与_blank class=infotextkey>get=_blank class=infotextkey>人也_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>差距。_blank class=infotextkey>g>

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