Is it cost-effective to pay social security at your own expense?

First, if you are a unit of workers, only 8% of the individual part of this kind of situation, is cost-effective, this situation can pay more than the proportion of more to pay, fully enjoy the country, the unit's welfare policy.

Secondly, if you are flexibly employed, you have to pay 20% of such cases, you need to be careful, because the money paid, only 40% is into the personal account, the remaining 60% is into the co-ordinated account, that is, to the retired workers now payroll. (In case of death, the refund is the balance of the personal account + interest.) Not living long enough is a loss of money.

Third, the unit workers of the social security is the unit and individual together, the unit to pay a large part of the social security fund co-ordination part of the individual to pay 8%, personal account part. But if you are an individual, that is, flexible employment, freelancers, all social security have to pay for themselves.