Is it cost-effective to supplement the old-age insurance at the age of 32?

1. Social security and commercial insurance are not comparable, but they are complementary. Premier Zhu Rongji once said: Social security is just insurance, not a package, and the country can't afford it, but it still needs commercial insurance to supplement it. Social security is increasing by nearly 1,000 yuan every year. If there is no unit, it will be more and more difficult to rely on individuals, and commercial insurance does not exist.

2.3 Commercial insurance: You can choose how much to pay, and you can pay more if conditions permit. In fact, it's like saving money for your old self in advance. The quality of life in old age depends on your current plan. Social security: the amount paid each year is not fixed, and the amount received after retirement is not fixed, because it is calculated according to the average social wage.

4. If you want to be economically suitable, you must act quickly, and the issue of providing for the aged should be planned in advance. Spending 20 years to reserve a pension is different from 10 years to reserve a pension.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.