The annual payment of rural social security 100 1000. What's the difference between getting a pension after retirement?

Rural social security is called endowment insurance for urban and rural residents, and even the elderly who do not work in cities or rural areas can participate in this insurance.

Let's look at the difference between 100 and 1000 every year.

Then, there must be a difference between overpaying and underpaying.

So what's the difference? First of all, I'll tell you the final result: many people think that donating 1000 RMB is not cost-effective.

Pay 100 every year after retirement. If the basic pension in Sichuan is 100 yuan, I can get 120 yuan every month.

If you pay 1000 a year, you can get 272 a month by the end of the year. Is this the difference between 120 yuan and 272 yuan? It's ten times worse when paying money, and a little more than twice as bad when collecting money.

In fact, the old-age insurance for urban and rural residents, both men and women, is paid monthly after retirement at the age of 60. In addition to personal accounts, there is also a basic pension.

Finally, divided by 139 months, the personal account is 100 yuan, and then the government subsidizes 30 yuan, plus miscellaneous interest.

The total payment and subsidy is 1.950 yuan, divided by 1.39 months, plus a certain amount of interest, every month 1.20 yuan, I start to collect payment from 20 yuan every month, right? This is the present situation of many rural elderly people. They can get about 100 every month, while you have to pay more than 1000 a year.

In rural areas, this is not a small expense.

If you add Sichuan's 100 yuan, you can get 272 yuan, which is 152 yuan every month, not much difference, right? As far as the angle is concerned, the difference is ten times a year, but it is only twice when it is received.

Many people may think that I paid a lot of money, but I didn't get any benefits.

Think again, if you pay 100 yuan a year, your total payment will be 1500 yuan. If you pay 1000 yuan a year, your total payment is 15000 yuan, that is, if you pay 15000 yuan.

On the contrary, it would be better if the pension formula of urban and rural residents is the same as that of urban workers.

Also, when it comes to the annual growth of urban and rural residents, will it be 5 yuan, 10 yuan, 20 yuan and so on?

To this end, I think young people should strive to buy social security for urban workers, whether they are rural residents or urban residents, not urban residents or rural residents.

Because, frankly speaking, the former is not cost-effective, and the latter has a small growth rate in the future, which is basically not enough to pay pensions.

The other is that the future growth is very small, which is basically not enough to pay for your future retirement.

Does anyone know this?