More and more people give up social security? These three reasons are the most "realistic". What should the elderly do in the future?

In the past, for most people in China, providing for the aged mainly depended on their children, so they were willing to have more children. Now the number of children is greatly reduced, and the pressure of life is also great. Therefore, providing for the aged has become everyone's main support.

From 2005 to 20 19, the pension 16 times was raised continuously, with an average increase of more than 3,000 yuan per month. This level is still a bit tight in first-and second-tier cities, but it may not be a problem in third-and fourth-tier cities. However, this is only the average level, and there is still a big gap between us. The amount of pension is influenced by many factors, such as the payment period and amount, city, work unit and so on. Therefore, if you want to get more pensions after retirement, you should make preparations in advance when you are young.

Undoubtedly, if you want to live a stable and happy retirement life, you need to have enough old-age care and medical security, so that you can not rely on your children and avoid poverty and desolation in your later years. In particular, many people are not married now, have no fertility, and have no reliable people in the future. Pensions are more important.

On the contrary, however, more and more people give up paying social security. There are five main types of people who are unwilling to pay social security fees. Let's have a look.

The first category is people who have no money to pay social security fees. Some older employees lose their jobs before they reach retirement age, so they can only work as temporary workers. If the employer is unwilling to pay social security fees for them, it can only pay all the social security fees by itself, but the salary is relatively small, so it chooses to give up social security. In view of this situation, the relevant departments stipulate that elderly workers over the age of 55 can apply for relief of social security contributions.

The second category is that some young people are unwilling to pay social security fees. Some young people have just entered the society and their income is relatively low. They think they are still young, so they are not going to pay social security fees. In addition, some enterprises have reached a tacit understanding with their employees. Enterprises pay social security benefits to employees in the form of wages, and young employees hold a tacit attitude towards this.

The third category is individual industrial and commercial households and freelancers. Individual industrial and commercial households and freelancers have relatively free working hours. However, because no enterprise pays social security fees for them, they feel that paying all the fees will bring them losses, so they generally give up social security directly.

The fourth category is financial freedom. Some people have created tens of millions or even hundreds of millions of assets through entrepreneurship. They feel that the pension income of social security is not high, and they are more inclined to invest. Those who have tens of millions of assets have achieved financial freedom. For them, social security pension income is meaningless.

The fifth category is people who have no channels to pay social insurance. For example, although some migrant workers want to pay social security, the contractor is unwilling to pay. In addition, because the working place of migrant workers is not fixed, the construction site is unwilling to pay social security fees for them.

We can find that there are three main reasons why people don't pay social insurance premiums. First of all, the first reason is that the social security payment cycle is long and it is easy to default. You must pay 15 of the social security fee to enjoy the retirement pension. The payment period of medical insurance is even longer than that of social security. In addition, if people change jobs, it will be more troublesome to change their wages, so there will be a situation in which wages will be interrupted. The second reason is that people's monthly income is too low. Generally speaking, the higher the salary, the more social security fees people need to pay.

So the salary will be lower. We all feel that our income can't even maintain a basic life, let alone pay social security fees. The third category is people who think the future is too far away. Some people think that there are too many unpredictable things in the future, so it is better to live in the present. They would rather spend money to enjoy their present life than pay social insurance. They feel that they don't know how many years they can live after retirement, and they don't know whether they can recover their pension. They might as well not pay social security directly.

Some netizens questioned this. If you don't pay social security fees, who will provide for the elderly in the future? Some people think it is better to invest with social security money. If you deposit 1 0,000 yuan every month, you will have10.8 million yuan in five years. We can live for about 20 years after retirement. Then we spend about 750 yuan a month, which is not enough for people to live.

If inflation is added, the monetary value of 750 yuan is now equivalent to that of 400 yuan at that time. If you choose to deposit your money in the bank at the interest rate of 4%, you can get 390,000 principal and interest after 15 years, with a monthly interest of 1080 yuan. 1080 yuan is obviously not enough, and the bank interest rate should not be as high as 4%. Even if the money is invested, plus the interest earned by the principal, it should not be 390,000.

Social security is China's policy to protect people's lives, including endowment insurance and medical insurance. People who pay social insurance can not only get a pension after retirement, but also save a lot of money for medical treatment. Social security enables people to receive a monthly pension after retirement. Pensions will be adjusted according to the changes in social per capita wages. We can spend all our savings, but we can get a pension until we die.

Through various comparisons, paying social security is a better way to ensure life. Although time deposits can make people get some interest, the interest rate of such interest may not exceed the inflation rate. I hope everyone can pay social insurance to ensure their retirement.