I am 49 years old, should I pay social security?

First, at the age of 49, do you still have to pay social security?

Some old friends didn't pay attention to social security when they were young, and they didn't realize the importance of social security until their later years. So, is it too late to pay social security at this time? Let's watch the following video first:

To sum up, as long as social security can be paid, Shen Lanjun suggested paying it, because social security is the welfare of the country and we should all enjoy it.

Second, is it cost-effective to pay for the elderly? Many friends said, is it cost-effective to start paying the state pension now? Should I buy endowment insurance directly? Will the income be higher? To better understand, let's take Mr. A, 40, as an example:

Draw a direct conclusion:

Employees receive more pensions: the characteristic of employee pensions is that they will follow the average social wage growth and can resist inflation. Generally, you will receive more pensions than in the year of receiving pensions, and you will return to your capital faster.

Stability is the key to pension: the growth of employee pension is unpredictable, which may be high or low, while the amount of pension is determined and is not affected by policies.

Old-age pension has death protection: in case of death, the old-age pension will at least return the premium, while the employee pension will only return the personal account balance, and the amount you have received will be deducted.

So it's hard to say which pension will be better than the other. Different situations will have different conclusions. How to choose specifically needs to be decided by yourself.

Third, is the insurance for the elderly really enough? Judging from the previous example, the commercial pension can get 30 thousand a year, which looks good. Is it true?/You don't say. The answer is certainly not that simple! In financial planning, we can't forget inflation. In order to give you a more intuitive understanding, here is a comparison:

In the same way, just say the conclusion:

Before his retirement, Mr. A paid 26,400 premiums every year, which was quite stressful. However, after retirement, you can only receive a pension of 30,000 yuan per year, which is equivalent to 1 1% of social wages.

In other words, young people earn 1 0,000 yuan a month, while when you retire, you only have 1 654,38+0,000 yuan, which can barely meet the most basic needs of life.

Everyone should have a rational understanding. If your guaranteed insurance has not been configured, don't even consider buying annuity insurance. Insurance first, then financial management, is the correct insurance idea.

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