What does overall planning mean?

Legal analysis: the social security you pay is divided into two parts, a small part goes into your personal account, and most of it belongs to the overall fund. Raising money basically has nothing to do with you. Generally speaking, the state co-ordinates the money you pay to support retired people and reimburse them for medical insurance. The personal part is your own pension, and the personal account part affects your retirement salary.

Legal basis: According to Article 11 of the Social Insurance Law, the basic old-age insurance combines social pooling with individual accounts. The basic old-age insurance fund consists of employers, individual contributions and government subsidies.