Is it cost-effective for a 54-year-old man to pay social security himself?

I suggest you buy social security for the following reasons:

1. Social security includes basic medical insurance and endowment insurance, which is comprehensive and can reduce your medical expenses and pension burden.

The national finance allocates a lot of money to the social security fund every year. The older people, the higher the level of security, and the more pensions they receive.

3. In the past, the problem of providing for the aged was borne by the family, but after the family planning policy, the problem of providing for the aged must be borne by the state, which will not only improve the social security benefits.

4. The fund is only its own money, and it has the risk of fluctuation, so the pension can't take too much risk. At the same time, social security is guaranteed by national financial resources, which is unmatched by the fund.

Compared with on-the-job employees, the premiums paid by the elderly are much cheaper. Take myself as an example. I personally pay more than 600 yuan per month, and my unit is 1400, and my annual pension is 24,000 yuan. If I work for 20 years and I have to pay 480 thousand, then I will get as much money as others pay tens of thousands.

Support you to buy social security, at the same time, you can use bond funds to make some supplements, or commercial pension and medical insurance can also be used.