Do you want to buy more than 90 thousand social security

Insurance Bian Xiao helps you answer, and more questions can be answered online.

For freelancers, there are still many people who value the five risks, especially the old-age insurance that parents often say.

Pension insurance, according to the minimum standard, pays more than 780 yuan a month and nearly 10 thousand yuan a year, which is still a lot! So someone will think of stopping paying.

Why would anyone consider stopping payment:

1) Except for going to a big hospital, medical insurance is rarely used;

2) Payment has started. If the payment is stopped, the previous payment will be in vain; (sunk cost)

3) Maybe ZF will find a way to keep social security; (opportunity cost)

From the perspective of rational choice, I personally think that a person's investment in the future should be based on the reliability and rate of return. As for the investment scale and sunk cost, they are not the basis of choice. What I value more is the opportunity cost, that is, whether I should invest this part of the money in a more reliable and stable return channel.

There is another one: some friends have paid social security for a long time or the company has paid only a small part, so it is difficult to give me an objective opinion.

In fact, what I said above is a judgment. I try to analyze the advantages and disadvantages of paying social security.

Let's first look at the role of social security:

1. Mandatory deposit, monthly social security payment is equivalent to monthly fixed deposit, which will not be easily used by yourself.

2. Investing on behalf of others, insurance is essentially an investment, and the rate of return of social security varies, but I think it is at least higher than bank deposits (subjective guess, please correct me).

Based on the above two points, whether an individual is willing to pay social security depends on two corresponding aspects.

1. Can such a pension fund be fixed without paying social security?

2. Is there a better way to invest in the rescued people?

If these two points can't be done, social security is still the best choice.

One more thing about social security and commercial insurance:

Personally, I still think that, on the whole, national credit is stronger than corporate credit.

If social security really goes bankrupt in the future, basically the economic environment of this country is on the verge of collapse. In this case, how many commercial insurance companies can survive, and how many surviving companies have the ability to pay?

This year, a heavy policy was introduced to allow farmers to pay 90,000 yuan of old-age insurance in one lump sum. After the age of 60, you can enjoy the old-age insurance of 1.300 yuan every month. Everyone has his own opinion. In fact, in Bian Xiao's view, it is nothing more than two questions about money:

First, whether the payment of endowment insurance is worthwhile.

Second, the supervision and use of pensions.

So someone really asked you to pay 90 thousand yuan of insurance, and it is estimated that you won't pay it either.