45 years old, social security paid more than 6000 yuan in the first year, and 15 costs 200,000 to 300,000 yuan. Is it cost-effective?

If you pay social security from the age of 45 to the official retirement age, it will take 15 years to get the pension. During this period, you have to pay nearly 300 thousand. At first glance, this amount is quite amazing, but after careful calculation, it is still very suitable. If inflation and purchasing power are taken into account, it is much more cost-effective than saving in the bank!

The payment principle of social endowment insurance in China is: pay more, pay more for a long time, the higher the grade of endowment insurance, the longer the payment period, the higher the pension you can get after retirement!

1, is it worth it? I won't know until I figure it out.

Nowadays, many people know that when they are old and unable to work in the future, paying endowment insurance is a powerful guarantee. However, some freelancers, such as self-employed, must pay endowment insurance according to flexible employment if they need to pay. Many freelancers don't pay pension insurance from the beginning of their work. If they receive a monthly pension at retirement age, they need to pay it before they are 60. For example, if you start to pay at the age of 45, you have to continue to pay 165 years, so that you can get a pension at retirement age. In this way, you will pay back nearly 300 thousand in 15 years. Some people think that with so much money, you can deposit it in the bank. In fact, this idea is really incorrect. Let's figure out which one is more cost-effective!

Our social average payment base is increasing every year, and the amount of payment is also increasing. If you have to pay more than 6,000 yuan a year now, according to 7,000 yuan, it is about 234,000 yuan. But this 7,000 yuan is calculated according to the current purchasing power. /kloc-is it still so valuable after 0/5?

2. It is possible to deposit in the bank, but it is not the best way.

Many people have said before that with so much money in the bank, the annual interest is not small, but this is only possible if you are not sick, so this assumption is not valid. Is it possible to get sick when you are old? Secondly, it is impossible to spend all the bank deposits, but the pension can be paid all the time. Some people think that more than 200 thousand is a huge sum, but it is not a one-time payment, so the burden is not as big as expected. In addition, the state also provides social insurance subsidies for people with employment difficulties. Usually, they can enjoy it for three years. If they retire less than five years, they can still enjoy retirement. If this is the case, I think most people can figure it out, and the old-age insurance is indeed more reliable and cost-effective. After all, bank interest can't escape inflation!

Let's make a good calculation.

The calculation formula of pension is unified throughout the country, that is, basic pension and personal account pension. If you earn 7,000 yuan a year, the average social wage after 15 years will be at least 20,000 yuan a month, and you can get about 2,400 yuan a month. The other part is the personal account balance. Divide this by the number of months determined by the retirement age. At the age of 60, the number of months of personal account retirement is 139 months, and personal account pension can be received almost every month 1000 yuan. The two items add up to about 3400 yuan, so simply calculate that you can get back the principal in six years. Isn't it worthwhile?

At present, the average life expectancy in China can reach about 80 years. If you retire from the age of 60, you still have at least 20 years of life. On average, this payment method is very cost-effective for most people. And personal accounts can be inherited. If the personal account balance is not collected, the family can inherit it according to law. From all angles, paying endowment insurance is still very cost-effective!