My wife is a self-employed person in Shanghai, it is cost-effective to buy social security or commercial insurance

Your wife is self-employed in Shanghai, so which kind of insurance is cost-effective.

The question is simple. It is better to buy a basic pension insurance. Because the basic pension insurance he is according to the rise in prices, currency depreciation and inflation of different degrees, there will be appropriate adjustments, that is to say, adjust the pension.

Business insurance is not such a relevant provision. So first of all buy basic pension insurance on the basis of if you have the remaining funds can consider buying commercial insurance. This can supplement the shortcomings of the basic pension insurance. Because our basic pension insurance is to protect, our old age of the basic life protection expenditure. If you want to make our old age life quality of life to be improved, then it is best to then buy commercial insurance, which will improve our standard of living.

So the first thing to do is to buy basic pension insurance first, and then consider buying commercial pension insurance. The above is for reference only. If my answer is helpful to you, please like plus attention, thank you.