What is the best social security? The kind of absolute capital preservation.

There is indeed social security that can guarantee the return of funds and never lose money, that is, endowment insurance for urban and rural residents.

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First, it does not belong to individuals as a whole.

All individual contributions and government subsidies for residents' old-age insurance are deposited into individual accounts.

And depositing into personal account means that this part of the money will be divided into 139 to participate in pension calculation. If you die before receiving it, you will return the rest. It can be said that it is the familiar "capital preservation".

Second, it will also increase in value over time.

The money in a personal account will also accumulate interest. At present, it is stipulated to refer to the one-year fixed deposit rate.

After retirement, the basic pension will be raised every year, just like the employee pension. In addition to the general increase, most regions have introduced the mechanism of long-term payment and more income, which is increased according to the number of years, linked to life expectancy and paid for life.

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There is a saying that "social security can be paid less, but it must be paid."

If you don't meet the requirements of employee social security, or are tired of risks. You may wish to pay this risk-free lifelong pension insurance in your household registration. The payment grade can also be selected according to its own economic conditions, with the lowest 100 yuan per year and the highest of several thousand yuan, which is definitely more in line with the orientation of providing for the elderly than depositing in a bank.