What are the benefits of personal social security?

Five insurances and one gold have five advantages:

1, the more individuals pay, the more investment the unit will give you. The payment of five insurances and one gold is the same base, and the proportion of units and individuals is different. The unit pays about twice as much as the individual.

2. Pay work-related injury insurance, and you can get compensation in case of work-related accidents or occupational diseases.

3. Paying the housing accumulation fund is equivalent to the unit depositing a tax-free income in proportion like you, which can be used for housing-related purposes. If you don't use it up at work, you can take it out once after retirement; In addition, the housing provident fund loan interest rate is lower than that of commercial loans.

4. After the implementation of the unified account pension insurance payment system, the actual payment period of social insurance has become the most convincing proof of the length of service of enterprises. More and more people use social security payment certificates, such as social service certificates, to confirm the days of paid annual leave. For example, when real estate is regulated, loans need to be paid in local social security for more than one year.

Don't worry too much about inflation or currency depreciation, because the pension treatment plan consists of two parts, and the personal account pension is completely formed by individual contributions. This branch has the same inflation risk as bank deposits; However, the basic pension is linked to the local social average wage and the individual indexed average wage, which is itself anti-inflation; And after retirement, it will increase capital every year with the local economic level. The more you pay, the longer you pay, and the higher the level of pension benefits after retirement.