Is it better for individuals to pay social security at a high or low level?

The higher the better, the more you pay, the longer you pay, and the more you get when you retire. But it should also be combined with its own economic conditions. If you have enough money, it is still recommended to pay a higher gear.

Pension = basic pension+personal account pension

Personal account pension = personal account storage amount ÷ calculation months (50 years old 195, 55 years old 170, 60 years old 139, no longer unified as 120) basic pension = (average monthly salary of employees in the whole province+average monthly payment salary of myself in last year)

Note: My indexed monthly average payment salary = last year's average monthly salary of employees in the whole province × my average payment index.

As can be seen from the above formula, under the same payment period, the level of basic pension depends on the average payment index of an individual, that is, the historical average of the ratio of his actual payment base to the average social wage. The lower limit is 0.6 and the upper limit is 3. Therefore, in the two kinds of calculation of pension, no matter what the situation, the higher the payment base and the longer the payment period, the higher the pension. Pensions are fixed indefinitely. As long as the recipient is alive, he can enjoy a monthly pension. Even if the personal account pension has been used up, it will continue to be paid according to the original standard. Moreover, personal pension will increase year by year with the increase of the average monthly salary of employees in society. Therefore, the longer you live, the more you can get, which is definitely more cost-effective than paying.