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When is the best time to buy social security?
Of course, 27-33 years old is suitable, and the younger you are, the easier it is to get insurance. If you buy it early, the cost will be less, because the amount paid by social security is calculated according to the local social wage of the previous year, which is different every year. For example, the average salary of a prefecture-level city is 20,000, then the pension insurance payment is 20,000 * 20% = about 4,000/year, and the medical care is 20,000 *10% = about 2,000/year. In addition, it is also stipulated that the lowest grade and the highest grade are not less than 60% of the average monthly salary of social workers, and the highest grade is 300% of the average monthly salary of employees. Generally, the lowest grades are mostly. It's better to buy insurance and pay by installment, which can reduce your pressure. The principle of buying insurance is based on social security, and it is best to add appropriate commercial insurance as a supplement. Insurance expenses are generally around 65,438+00-20% of annual income, and it is better not to exceed 20%, that is, 65,438+000% of your assets are preserved with 65,438+000% funds. For each of us, we should reconsider medical and health insurance. Directly speaking, with the growth of age, people's physical resistance is inversely proportional and their ability to resist related risks is relatively weak. Therefore, you must first consider medical insurance, whether it is commercial insurance or social security, and then consider other insurance products, which makes sense. If health is not guaranteed, no amount of old-age insurance is realistic. It is suggested that you first purchase social security provided by the state (preferably purchased by the company), including cooperative medical insurance, and then consider commercial insurance as a supplement.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.
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