How should individuals pay social security? If you don't know what you need, you will lose a lot.

How should individuals pay social security? If you don't know what you need, you will lose a lot.

Individuals pay social insurance, that is, employers have flexible working hours and can choose different payment levels.

The required payment level is different, and the amount of future pension will naturally be different.

At present, the social security contribution rate ranges from 60% to 300%, and you can choose freely according to your own economic ability.

In terms of cost performance, the higher the grade, the better, because you will get a very high pension in the future.

However, this is only if you can continue to pay insurance premiums until retirement; Otherwise, if you pay when your income is high and stop paying when your income is low, you will pay the insurance premium for fewer years and eventually get a higher pension.

Then, if you choose 60% grade and 300% grade, how much do you have to pay each year? Take the premium standard of 20 19 Dalian as an example. If you choose 60% social security level, you need to pay 829.40 yuan, 576.20 yuan for old-age insurance and 253.2 yuan for medical insurance every month.

If you choose the tax rate of 300%, the annual cost is between 30,000 and 40,000 RMB.

But it's still a big expense.

See how much pension you can get after retirement by paying this level of premium.

Assuming that inflation is not taken into account, 350 yuan can get a monthly pension of about 1 RMB if he pays 15 at the rate of 60%, and his personal account is about 35,000 RMB.

If social insurance is paid at the premium level of 300%, individuals can get a pension of about 3,500 yuan per month, with a monthly difference of 2 150 yuan and an annual difference of 25,800 yuan.

Therefore, if you are in a good financial situation, you can continue to pay social insurance premiums without interruption, and you can choose to pay the highest level of insurance premiums.

But in the general financial situation, if you are sure that you can make regular and uninterrupted contributions every year, there is no need to choose a higher level.

Normally, we can't retire until we are 60, so if you are 30 now, it's like you have 30 years to retire.

Under the flexible time system, you may earn more when you are young, but with the growth of age, your income level may also decline.

So the most cost-effective strategy should be this: pay a few more years of old-age insurance while you are young, and pay as much social security as possible 15 years, and you can retire when you reach the legal retirement age.

At the same time, the earlier you pay, the more money you save, because the average contribution of social insurance will increase in the future.

Are you ready? The most important thing is to make sure that you pay your social insurance premiums as much as possible-the sooner you do this, the better.

Then you can flexibly adjust your social insurance payment according to your economic situation.

This is because you are free to change your payment level every year before joining.

For example, if your income this year is better than last year, you can choose the payment limit of 100% or even 300%. If your income this year is worse than last year, you can reduce the payment and reduce the limit of 100% last year to 60%.