Is the old-age insurance for residents good?

If you haven't bought old-age social security, you must read this article. When many people start to buy social security for the aged, the first question is whether it is better to buy endowment insurance for urban and rural residents or pay endowment insurance for urban employees as flexible employees. Take a city as an example, this question is relatively more concise and easy to understand.

Which is better, residents' pension or flexible employment pension? From the following three perspectives:

1, the difference of payment amount, retirement age and receiving treatment.

2. Advantages and disadvantages of residents' pension.

3. Advantages and disadvantages of flexible employment for the elderly.

First, the difference between the amount of payment, retirement age and receiving treatment Here, take Changsha as an example to illustrate:

According to the highest grade, Changsha pays 3,000 yuan a year, totaling 45,000 yuan 15 years, and the 60-year-old pension is more than 579 yuan/month.

Changsha flexible employment pension payment 15 years, accumulated payment129,000 yuan, 60-year-old pension1/78 yuan/month or more.

Second, the advantages and disadvantages of residents' old-age insurance The advantages of residents' old-age insurance are:

1. There will be no additional price increase for the payment level. Individuals choose to pay 2000 yuan a year, and then 2000 yuan a year. There will be no extra price increase unless they feel less and want to upgrade.

2. The payment pressure is small. At present, the annual payment of residents in various provinces is between-12000 yuan, and the top grades in many provinces are usually 3000 (Changsha), 4000 (Chongqing), 5300 (Shanghai), 6000 (Wuhan), 9000 (Beijing) and 12000.

3. Don't worry about delaying retirement. Residents' pensions Men and women retire at the age of 60, and there is no policy to imply that residents will delay retirement in the future.

4. hurry back to the book. According to the different grades of individual payment, it is generally returned from the second year to the eighth year.

5. There is no problem of loss. All personal contributions are credited to the account, and the balance can be refunded whether you die before or after retirement.

6. Death has funeral expenses. Usually it is a fixed amount or several times the basic pension, usually two or three thousand yuan.

7. Allow one-time payment. Individuals who have not paid in the early stage or who have not paid at the age of 60 15 years can pay in one lump sum.

8. Payment is subsidized. The higher the payment, the higher the subsidy level, and the government subsidy also enters the personal account.

Disadvantages:

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