How to choose 8 files for personal social security?

Generally divided into flexible employment status and resident status. The former is divided into many grades, and different grades pay different fees monthly. The minimum standard here is more than 700 per month, and the maximum is more than 3,800 per month. Of the fees we paid, 8% went into personal account and the remaining 92% went into overall account. Here, individual accounts can be fully recovered, and co-ordinators should live for a long time.

The advantage of flexible employment is that you can accumulate working experience when looking for a job in the future. Resident status is paid annually, and there are grades. For example, the lowest level in 300 yuan is one year, and the highest level is 5,000 yuan a year. Divide the total amount of this account plus interest by 139 months, and then pay back more than 200 yuan every month. If you are still young and start your own business, it is recommended to pay the highest-level resident status with a commercial pension. If you only pay temporarily and need to find a job in the future, you can pay flexibly. Introduction of social security payment grades. The monthly payment standard of social insurance for the insured is divided into four grades: the lowest grade (40%), the first grade (60%), the second grade (80%) and the third grade (100%). Refers to the payment base of the average wage of social workers in the previous year. For example, the average salary of social workers last year was 3000 yuan. If you choose 80%, you will have to pay 8% if you are an enterprise employee, which means 192 yuan. The higher the level, the more you get, which means the more you pay, the more you get. Of course, the amount of money you get is also related to the number of years you pay social security. The minimum pension payment (40%) consists of pension, basic medical care+mutual aid for serious illness (8.5%+ 1%) and maternity insurance, with a total payment of 548.57 yuan per month; —The monthly payment (60%) of the stall is 692.37 yuan; The second (80%) monthly payment is 835.97 yuan; The monthly payment for the third gear (100%) is 979.77 yuan.

If individuals pay social security, that is, as flexible employees, they can choose different payment grades. Different grades need different payment levels, and the pension benefits received in the future are naturally different. At present, the level of social security payment is between 60% and 300%, and you can choose freely according to your personal economic ability. As for the cost performance, the higher the grade, the better, because the pension will be high in the future. But only if you can pay until you retire. Otherwise, if your income is high and you don't pay it, your pension insurance payment period will be short, and the pension you will eventually receive will not be so high.