Anger, millions of netizens spit! After one-time payment of 15 endowment insurance, the more you pay, the more you lose!

With the progress of the times, the concept of raising children to prevent old age has gradually faded out in contemporary society. Now blind date should ask each other's parents if they have a pension, so as not to bring a burden to the small family after marriage. It can be seen that social security pension has become the largest source of income for the elderly in China.

But the pension is not so easy to get, and you must pay 15 social security to get the pension after retirement. Due to various special circumstances, many old people did not pay social security when they were young, so they lost this source of income. In order to ensure their retirement, the state has introduced a new policy, allowing men over 60 years old and women over 55 years old to pay 15 old-age insurance in one lump sum to get a pension. Many people have asked, can this really be done? How much did it cost to pay 15 endowment insurance at that time? On these issues, Bai Baojun will take you to find out today.

Pension insurance/kloc-who can have sex at one time in 0/5 years?

It should be noted here that employees who have not retired cannot choose to pay 15 in one lump sum. The one-time payment policy is only for men over 60 and women over 55. Therefore, if the majority of young and middle-aged friends born in 1980s and 1990s handle it for their parents, they may wish to look down and find out how much it costs to pay 15 endowment insurance in one lump sum.

15 how much is the old-age insurance for sexual intercourse?

According to the latest provisions of People's Republic of China (PRC) Social Insurance Law, we can know that a one-time payment of 15 years of social security costs 94,428 yuan, and the payer, whether male or female, can't start to receive pension until he is 60 years old. According to the policies of different regions, the monthly pension is about 800~ 1300 yuan.

Is it cost-effective to pay 15 endowment insurance in one lump sum?

This one-time payment of nearly 6,543,800 yuan is not a small sum for most elderly people, so we have to calculate its rate of return. Is it a profit or a loss to invest with this money?

There is no evidence in your mouth. Let's calculate an account.

According to the average level, the monthly pension 1 10,000 yuan, the annual pension for the elderly over 60 years old is only 10.2 million yuan, and it will take nearly10 years to "return to the capital". The average life expectancy of China people is 75 years, that is to say, the elderly can only get this money in the last few years of their lives, and this month's income is only 1000 yuan, which is obviously a drop in the bucket in the face of the extremely high cost of living in today's society.

Old people not only have to pay a lot of money for old-age insurance at one time, but also need other sources of income to maintain their lives, which is obviously unreasonable and uneconomical.

No wonder there are a lot of netizens in the forum:

Do you expect to get an extra pension?

Undoubtedly, the higher the pension, the higher the social security fee paid before, and the longer it takes. If you still have doubts about whether this investment is cost-effective, we might as well give another example.

Suppose Wang, who lives in Shanghai, earns 10,000 yuan a month. He paid social security for 30 years, and his personal pension totaled 290,000 yuan. When he retires, according to the current algorithm, the pension he can receive every month is 3 100 yuan. (Individual contribution is 290000/ 168= 1700, plus 30% of the average social wage, 4672X30%= 1400).

At the age of 87, Wang Can "returned to school". The average life expectancy of China society was 74 years, so Wang had to live 13 years longer than the average life expectancy to fully recover the principal. As for income, I can only expect Wang to live to be 90 years old!

So how can we get a higher pension?

Through the above calculation, we can know that it is basically impossible to rely on old-age insurance to support the elderly. It is really shameful to replace the one-time investment of nearly 65,438+10,000 yuan with a monthly pension of/kloc-0,000 yuan. A large number of wealth management products on the market can obtain stable and high returns. However, the investment concept of the elderly is relatively conservative, and radical stocks and fund products are difficult for them to accept. The yield of bank deposits or capital-guaranteed wealth management products is too low to obtain ideal returns. Choosing the right financial products is a big problem. In this regard, children may wish to check for the elderly, and pension insurance products such as annuity insurance have the characteristics of stability and long-term benefits, which are most suitable for the elderly.

However, the young post-80s and post-90s should not think that providing for the aged is only 30 years later. As we all know, insurance is a product that is more cost-effective when you buy it. Planning a pension account from the age of 30, the final return must be greater than 50 years old before starting to manage money. Life insurance and annuity insurance with small investment and big return are also necessary choices for young people in asset allocation. Don't covet the high returns of fund stocks. According to official data, even in a big bull market like 2020, 60% of the citizens will still lose money. Let's take a long-term view. Insurance can get as much income as funds, and it can get long-term stable and increasing income year by year! This is a huge advantage that the fund does not have.

So are you still working hard for social security? Are you still exploring 15 how much is the old-age insurance for a sexual intercourse? Hurry up and change your mind!

If you are still wondering how much 15 old-age insurance costs at one time, if you are still confused about how to buy old-age products, you can consult an excellent professional insurance broker. Because professional insurance brokers will make a comprehensive evaluation and tailor-made plans according to your problems and needs, Baibaojun has a professional and powerful insurance team to match the most suitable professional consultants for you, and search Baidu "Baibaojun" to provide you with more professional insurance!