Is it better for individuals to have social security in talents or in the unit? What is the difference?

Personal payment:

According to the average monthly salary of employees in the previous year (the minimum is 60% of the salary of employees in the previous year in this city; The highest figure is 8% of the city's employees' wages in the previous year.

Unit payment:

Pay 22% of the employee's average monthly salary in the previous year.

The old policy is that 3% of individual contributions and unit contributions are all transferred to individual pension accounts, and 19% of unit contributions are transferred to social pooling, while the new policy is to transfer 3% of unit contributions to social pooling to solve the problem of empty pension accounts.

The insured must reach retirement age and pay the old-age insurance 15 years or more to receive the basic old-age insurance on a monthly basis.