Mother's rural hukou is in Sichuan. 47 years old, I want to buy insurance for him. Three options. Ask the expert to point out which is better?

The new rural insurance began to enjoy treatment at the age of 60.

Personal recommendation 1+3.

2 is the most common situation now, but in fact, these people have never calculated this account.

In terms of wages in our county, the average social wage this year is 25 16 yuan/month. 28% when the enterprise annuity is insured. At the same time, there are unemployment insurance, industrial injury insurance, medical insurance and maternity insurance. These five risks of enterprises must be paid. * * * The total proportion is 28%+ 13%=4 1%.

No interest is calculated. Only according to the current pension insurance policy.

The monthly payment is 103 1.56 yuan/month. Annual payment 12378.72 yuan.

Eight years is 99,029.76 yuan (if social wages do not increase, the same below). In fact, the annual adjustment range is about 17%. )

In addition, if you work for another seven years, you still need to make up 20% of the social wage. It is 42,268.80 yuan (only used for providing for the aged).

The total payment is 99029+42269 =141298 yuan.

Calculate the treatment again.

15 years, which is about 15% of the provincial level (actually slightly lower. Because the individual payment base is still in the city, here we unify the provincial social security and county social security into one number. The difference is not big) =377.40 yuan

Personal account/coefficient = 36230.4/195 = 213.12 yuan.

The pension benefits totaled 590.52 yuan.