How does a 40-year-old woman pay the highest social security pension?

How does a 40-year-old woman pay the highest social security pension? A 40-year-old lady, how to pay social security pension is better? For any group, if you want to improve retirement benefits, it is nothing more than raising your own social security payment standard. At present, there are three social security payment standards for calculating pensions, so 1 is our total payment period. Ensure that you have a long enough total payment period to obtain higher pension income in the future. If you have participated in the old-age insurance before the age of 40, in that case, you don't need to pay any final fees in the process of participating in personal social security every year, so as to ensure that you have the longest payment period and get the greatest pension income in the process of retirement.

In addition to these total payment years, there is also the average payment index. Naturally, if you have the conditions, for example, you can choose between 60% and 300% when you choose to participate in the social security payment index, and you can choose the highest payment standard of 300% to pay your basic old-age insurance. In the end, you can get the biggest pension income, because different average payment indexes will directly affect your future pension benefits.

Another situation is the average social wage in your city, so this standard is generally not easy to change. Its function is that if you retire in different big cities, the corresponding average social wage will be different, and the pension benefits you will receive in the future will be different. That is to say, if you retire in a first-tier city, you will receive higher pension benefits than in a big city below the second tier. Therefore, if you have the conditions to transfer the social security relationship to a first-tier city to pay social security, it is naturally the best, but if there is no standard, you can get a higher pension by raising your contribution index as much as possible and increasing your total payment period.

Everyone here refers to personal social security pension benefits. In fact, in addition to personal social security pension, you can also participate in commercial pension insurance. Commercial endowment insurance can go hand in hand with our personal social security endowment insurance, which is also called the third supporting endowment insurance. Some people are wondering whether I can participate in employee pension insurance, so can I participate in rural pension insurance? This kind of thing is not desirable, because it belongs to personal social security, so you can only choose one of them to pay social security, and you can't participate in the insurance again, because even if you participate in the insurance again, you won't enjoy two pension benefits.

Only the opportunity to choose to participate in commercial endowment insurance. Because of commercial pension insurance, under the premise of personal social security pension, you can get some income. For example, taking part in a commercial endowment insurance can increase your income by 1 1,000 yuan per month, so it will increase your income by 1 1,000 yuan, so it will lay a good foundation for your future life after retirement. This is also a fact. Therefore, if you want to get a higher pension, it is nothing more than raising your social security contribution level, and you can also create commercial old-age insurance.