Is the social security personal account 30 thousand low?

The balance in social security personal account depends on many factors, including personal living cost, income level, consumption habits, social security payment standard, payment period and so on.

1. Cost of living: In first-tier cities, 30,000 yuan may not be enough to cover daily expenses, and in second-or third-tier cities, it may be relatively abundant.

2. Income level: For high-income people, 30,000 yuan may be just a small amount, while for low-income people, it may be a considerable amount.

3. Social security payment standard: 30,000 yuan is not low if urban and rural residents pay according to the upper-middle grade; If you are a flexible employee or social security unit, the total account is only 30,000 yuan, at least 70,000-80,000 yuan, which is abnormal.

4. Payment period: If the payment period is 15 years and the total personal account is over 30,000, for urban and rural residents, the payment should be in the middle and upper grades.

5. Payment ratio: the endowment insurance for urban workers is divided into individual accounts and overall accounts, and the actual proportion of individual accounts is relatively low, only about 1/3.

6. Payment base and index: Many people choose the minimum payment index, resulting in low payment level and low personal account balance.