Pay social security at the age of 45, 1 more than 7,000 yuan a year, and 15/200,000 to 300,000 yuan. Is it worth it?

Whether it is economical or not, first calculate an account: according to the conditions you gave, you are now 45 years old, and you will be 60 years old after paying 15. Under normal circumstances, you will reach retirement age. According to the average life expectancy of people now, 80 years old is an average, which means you can receive a 20-year pension. According to this condition, it is clear that we can compare.

Social security: 1. Social security payment:

You started to pay the fee at the age of 45, and it didn't reach the standard until 15. According to your annual calculation of 7,500 yuan, the total of 15 is about120,000, which is not up to the 200,000-300,000 you mentioned. Of course, this is increasing every year, so the final amount you have to pay is about 200,000-300,000.

When you reach the age of 60, you will officially enjoy the pension. Under normal circumstances, you should receive about 1.500-2000 yuan every month, which is a standard in most cities. Since you haven't given a specific city, let me make an estimate. It can also be calculated according to the formula. The current base is the average annual salary of the whole city multiplied by 12%, which can be calculated according to the payment base of 60%.

If you take 1500 a month, it will be 18000 in one year and 360000 in 20 years.

In this way, you will find that the money you saved in the previous 15 years will receive 360 thousand in the next 20 years, which seems to be very cost-effective. Because your pension will increase every year. Therefore, the actual amount should not be only 360,000, but may reach 400,000-450,000.

Second, social security has other benefits:

You have been paying insurance since you were 45 years old. At this time, you enjoy insurance such as medical insurance. This base paid every year is very good for an old man to see a doctor and buy medicine. This is other welfare benefits.

There are some other benefits here: for example, social security is the premise of entering the house, buying and so on.

No social security: First, if you don't pay social security, it means that you have saved about 300,000 yuan, a considerable amount of 1 10,000 to 20,000 yuan a year. According to the fixed interest rate of 3.25%, the annual interest is 325 yuan. Coupled with the annual decline of the currency, it is estimated that this interest can't beat the speed of the currency decline.

According to 15, a total of 300,000 yuan is calculated. If you deposit this in the bank every year, you will deposit it in 15, which will reach 300,000 yuan. The annual interest will be 9750 yuan. If you compare the pension, you will never win.

For example, here's an example for you to compare with figures, and you may be clear at a glance: (Social security has two different payment methods: flexible employment and unit. For the convenience of calculation: here we pay by unit)

Zhang San: Company employee, 45 years old. From now on, he will pay 15 social security until he retires at the age of 60. According to the social security base, if he pays 7,000 yuan in the first year, it may be calculated that he needs to pay about 600 yuan every month, and then it will increase cumulatively every year until the annual contribution of/kloc-0.5% reaches 200,000-300,000 yuan. So I have to pay 29,400 in the last year.

Since then, Zhang San has received a pension every month. Based on the local average wage, 12% is the standard for individuals to receive a pension, and they can receive about 2000-2500 yuan a month. It has been collected for 20 years, which is about 600,000 yuan, which means that it can be returned within 8- 10 years, and the rest will be made up by the government.

Li Si, a freelancer who has no social security, is also 45 years old and does not pay social security. Still according to the above base calculation, the deposit in the first year increased by 7,000 yuan, and so on, and the deposit in the fifteenth year reached 29,400 yuan. From the first year, it adds up to 15, and the approximate figure is about 250,000, that is, after 15.

According to the regular minimum interest rate of 3.75%, your annual interest income is 9375 yuan, and your monthly interest income is 78 1.25 yuan, which is obviously lower than your monthly pension of 2500 yuan. Even if the lowest interest rate is 2000 yuan, the difference is 12 19 yuan.

Summary: No matter from the first year or from the accumulation of 30 years, there is no way to compare with receiving a pension. As can be seen from the most intuitive calculation above, after reaching retirement age, the pension received every month far exceeds the interest of the bank.

So, I think it's a good deal. Whether from the aspect of receiving pension or other aspects, paying social security to receive pension is the best choice.

Finally, many people may say that they will be gone before they reach the age of 80, and the social security in front of them is not for nothing. This situation does not exist, because after you pay social security, there is a system of funeral expenses and one-time pension treatment, and each city is different. Taking Hunan Province as an example, the funeral expenses reached 9,080 yuan, and the one-time pension reached 45,400 yuan, both of which reached 500 yuan. Therefore, this subsidy is also very large.

Social security pension is divided into unit account and individual account. If the person is gone, but the personal account has a balance, it can be inherited according to law.