Social security at one's own expense will lose fifteen years.

Generally speaking, it is cost-effective to buy social insurance at one's own expense, because one of the money is subsidized by the state. After participating in 15 endowment insurance and retiring, it means that the state has given the insured a sum of money in vain. Social security follows the principle of "pay more and get more". The higher the payment base, the longer the service life, and the more pensions you receive when you retire. The function of endowment insurance is to provide protection for people's retirement life, and endowment insurance is also the most basic guarantee that everyone needs. As long as the social security pension insurance you buy meets your pension needs, it is cost-effective. If the personal economic conditions are not very good, we can consider the endowment insurance for urban and rural residents. But actually, I don't think it's worthwhile for you to go to a regular company. Social security is funded by three parties of the company, part of itself (1/3 or so), part of the company and part of the country. You can negotiate with a company, which should save you some money. Personally, social security is still very important. Is based on the protection of national policies! However, it also depends on personal circumstances. If there is a unit, it is more convenient for the unit to pay.