Is it wise or stupid for most people to give up social security?

Giving up social security is definitely an unwise choice. Social Security In terms of pension and medical security, other insurances cannot PK. Social security is essentially a tool to rob the rich and help the poor (academically called social stabilizer). The less money you have, the more you have to pay. There are several ways to participate in social security:

I. Social endowment insurance

1, basic old-age insurance for urban workers

The basic old-age insurance for urban workers refers to a kind of social insurance that the state raises funds through various channels through legislation, and gives certain economic compensation when the labor income of workers is reduced or lost in old age, so that the insured can enjoy basic living security.

2. Social endowment insurance for urban residents

The endowment insurance fund for urban residents is mainly composed of individual contributions and government subsidies, which is suitable for urban residents who have not participated in the work or the basic endowment insurance for employees.

3. New rural endowment insurance

Farmers who participate in the new rural endowment insurance can enjoy pension benefits when they reach the age of 60, which is an important guarantee system to realize farmers' old-age security. ? New rural insurance? The fund consists of individual contributions, collective subsidies and government subsidies.

What do people who don't want to pay social security think?

The first person: the direct investment income is obvious, and after paying social security, I always feel that this money is wasted.

This should be the view of most young people, who think that young people should pay social security even if they don't have much income. How much can they spend? What else do you talk about shopping, traveling and falling in love?

Then there is the matter of paying social security. The company gives more money than you. Take the endowment insurance as an example. Individuals pay 8%, and enterprises pay 13%. This matter is still paid by the company.

Moreover, not everyone has an investment mind. If you invest your money in stocks, it is good for stocks to go up. What if the money is smashed? In addition, social security is also a hard deposit, and it is not a waste to pay it now.

The second person: anyway, the income is high, it doesn't matter if you don't pay, and you don't lack money.

This is mainly because their own income is high and they are not worried about providing for the aged. For them, as a high income, the more social security contributions, the less cost-effective. Don't pay them. Commercial insurance has long been configured, and they don't expect social security for the elderly.

In fact, paying social security is another way to redistribute wealth. Now that the cake is bigger, the problem now is how to divide it well. Therefore, subsidizing the money of high-income people to low-income people is to ensure that the poor can live a decent life when they are old, so that they can at least guarantee basic treatment when they look down on the disease.

So if all high-income people think so, then society will not be chaotic? What will happen if the gap between the rich and the poor widens? History is not without examples.

The third kind of people: they don't have much money, just eat and wear warm clothes, and don't care if they have a pension.

Such people have low wages and no jobs, so they earn money by manual labor. The pressure of life is already great, and they dare not think about what to do in the future.

Let's just say that many farmers are still complaining that the new rural cooperative medical system is increasing day by day, and they don't even want to pay it themselves. If you don't pay social security, you can save at least a few thousand dollars in January, which is very expensive at present.

But what if you are old? Sickness and life need money. If you have no money, you need reimbursement and subsidies.

The lower the income, the more you have to pay. Imagine if a person who makes a living by manual labor is old and can't do it. What shall we do? What if I get sick? Is it safer to have a savings when you are young?

The fourth kind of people: mortgage and car loan are exhausting for individuals. How can they afford social security?

This kind of person is not easy. They work hard every month. As a result, once the loan was repaid, they didn't have much money in their hands. Of course, they want to have more money.

The fifth category: aging is so serious, are you sure I have a pension when I retire?

This kind of person is also very common, fearing that the country is seriously aging and has no money to make a fortune. Besides, I'm also afraid of delaying retirement. There will be a shortage of labor and young people. Isn't that late retirement?

Don't worry too much about this. The state enforces social security. If there is no money left, there will be countries to find a way. Besides, China's development has always been a source of great pride, and it will not stop paying pensions in any case. However, in the process of studying pensions, I found that many people have been voicing a view of social security.

That is, the place where the pension is received is either the household registration place or the place where the pension insurance has been paid 10 years.

Most people who pay social security are unlikely to stay in the city in the future, that is to say, even if they do, they will return to their hometown after retirement, and the proportion of pensions they get and the medical reimbursement they enjoy will definitely be much worse than the city where they work.

It is this that makes many people dissatisfied, and this can only be improved if the economy develops. Therefore, when you change jobs, you should figure out which city you will receive your pension in the future, and then you can choose to leave the social security relationship in a certain city when you change jobs, and then continue to pay social security in your ideal pension receiving place.

Should pensions be paid?

For many people, it may be meaningless not to pay this assumption, because social security is compulsory unless you no longer work in the company. But if I had to choose, I would still hand it in. On the one hand, personal social security can resist inflation.

On the other hand, the pension has been rising continuously for 14 years, and the increase rate tends to be stable. If we regard social security as an investment, we can have a good guarantee when we get old. Although social security has certain defects, it still has many benefits for most people.

If you still feel that paying endowment insurance is not reliable, then try to make money. With money, you don't have to worry about many things.