How old is it to pay social security? Do you think it is appropriate to pay social security now?

A fan asked a question: I am 35 years old and it has been 25 years since I retired at the age of 60. I heard that as long as you pay 15 social security, you can get old-age insurance. Is it too late for me to be 45? Do you want to pay the cost-benefit analysis now, or wait until you are 45? This friend is obviously mistaken, thinking that only 15 years of social endowment insurance is enough.

First of all, 15 social endowment insurance is a prerequisite for retirement to receive endowment insurance, but this does not mean that 15 is enough. This is the same sentence: "Pay more, pay more". If you pay 15 years, your pension insurance will be different from other people's 30-year pension insurance. Under the same payment, the monthly endowment insurance will double. After understanding this situation, let's respond to a question: Does the payment from the age of 35 or 45 conform to the cost-benefit analysis? Bian Xiao thinks it is more cost-effective to start working at the age of 35 this year.

The reasons are as follows: First, the total number of children in 15 is too small. As we all know, the social security payment base is determined according to the average social wage of the previous year. The later a year, the higher the average social wage. Perhaps, after 10 years, your annual income may be 1.5-2 times that of today.

According to the calculation formula of endowment insurance, the contribution index of pension is defined once a year. The faster the payment speed, the less funds are used to clarify the original payment index value. In addition, it is more cost-effective to calculate interest after years of interest in personal accounts. Naturally, holdover also has the advantage of holdover, that is, the personal account contains more money and there will be more time to calculate the endowment insurance in the personal account. When it comes to cost-benefit analysis, it is natural to pay in advance.

Second, there will be many uncontrollable factors in the future. The proposal has now been submitted. There are always some good friends who like to pay 15 cards. Women must wait until they are 40, and men must wait until they are 45. However, this is very undesirable. Because there is too much variability in the future. For example, the minimum payment period can be extended by 15 years at present, but it will be improved in the future if it is not cleared. When you retire after 15 payment, you will find that the number of years is not enough and you need to pay for another two years. Isn't it worse?

Third, there are no measures to prevent late delivery. From now on, you pay. 15 years later, if you really have no money, you might as well pay. But if you pay 15 for this card, if there is any change, the commercial insurance will be suspended for two years, and you only need to pay for another two years. How many years are you going to retire? But the door of this policy has long been closed, and there is no way to save it.

Besides, if you pay 15 years, we will be 50 years old. If the economic development permits, we can continue to pay fees, increase the payment period, and obtain more old-age insurance. Generally speaking, it is suggested that friends of the same age who want to pay insurance should take time to participate in commercial insurance every year from now on, in case they regret it when they are old.