The last year to pay the pension insurance how to pay to be cost-effective

To pay pension insurance in the last year, to be cost-effective, you can consider the following suggestions:

1, increase the contribution level . The more pension you can receive after retirement.

2, extend the contribution period . For example, if you have accumulated 20 years of basic pension insurance before retirement, the pension you can receive after retirement is definitely higher than the pension you can get if you have accumulated 15 years of basic pension insurance before retirement.

3, choose to have special care of the region . Different regions have different special policies for pensions, and some of them will be more advantageous, and the basic pension that can be increased in the annual pension adjustment program will be a little higher.

Considering the last year to pay pension insurance how to pay the problem of cost-effective, you also need to pay attention to the following points:

1, to understand their own health status. If you are in poor health, you may need to plan ahead for your retirement and choose a higher contribution bracket or a longer contribution period when you pay your pension insurance in the last year.

2. Pay attention to changes in market interest rates. The rate of return on pension insurance is related to market interest rates. In the final year of payment of pension insurance, should pay attention to the trend of market interest rates, in order to make a more informed choice.

3, good asset allocation. In the last year to pay pension insurance, should consider their own asset allocation. If you already have a certain accumulation of assets, you can consider using part of the funds to buy pension insurance products to increase the future of retirement protection.

In summary, in order to pay in the last year of the pension insurance how to cost-effective should be based on their own economic situation, health, market interest rates and asset allocation and other factors for comprehensive consideration, choose the appropriate contribution grade, contribution period and take advantage of preferential policies. Also pay attention to changes in their own situation and changes in the market environment, timely adjustment of pension planning to ensure that the future of the old age life can be fully protected.

Legal basis:

The People's Republic of China*** and the State Social Insurance Law

Article 23

Employees shall participate in the basic medical insurance for employees, and shall pay the basic medical insurance premiums by the employing unit and the employees in accordance with the state regulations***. Individual industrial and commercial households without employees, part-time workers who do not participate in the basic medical insurance for employees in their employing units, and other flexibly employed persons may participate in the basic medical insurance for employees, and individuals shall pay the basic medical insurance premiums in accordance with the state regulations.