Social security in the end how to buy more cost-effective?

If you have not yet bought social security pension, then this article must be read, many people began to buy social security pension, the first question is whether to buy urban and rural residents of the pension insurance is good or to pay the status of flexibly employed people urban workers pension insurance is good? This question to a city as an example, relatively more concise and easy to understand.

About the resident pension and flexible employment pension which is better? From the following three perspectives:

1, the amount of contribution, retirement age and receive treatment differences between the two

2, the advantages and disadvantages of the residents of the old-age pension

3, the advantages and disadvantages of the flexible employment of the old-age pension

a, the amount of contribution, retirement age and receive treatment differences between the two

Here is Changsha City, as an example, to illustrate:

Changsha City, to pay the residents of the old-age pension

Changsha City pays flexible employment pension, according to the highest grade, pay 3,000 yuan per year, pay 45,000 yuan in total ****, pay 15 years, 60-year-old pension of more than 579 yuan / month

Changsha City pays flexible employment pension, according to the lowest grade of contributions, pay 15 years, pay 129,000 yuan in total ****, 60-year-old pension of more than 1,178 yuan / month.

Second, the advantages and disadvantages of residents' pension insurance

The advantages of residents' pension lies in:

1, the contribution grade will not be an additional price increase, individuals choose to pay 2,000 per year, subsequent to the annual payment of 2,000, will not be an additional price increase, unless the individual feels less, and would like to raise the grade.

2, the contribution pressure is small, the current amount of provincial residents of pension contributions to pay between 200 yuan - 12,000 yuan per year, many provinces capped the highest grade common is 3000 (Changsha), 4000 (Chongqing), 5300 (Shanghai), 6000 (Wuhan), 9000 (Beijing), 12,000 (Qingdao)

3, do not worry about delayed retirement. Resident pension men and women unified 60 years of age retirement, there is no policy hints that the future of resident pension also delayed retirement.

4. Fast return on investment. Depending on the level of individual contributions, generally the second to eighth year back to the capital.

5. There is no question of losing money. All of the personal contributions go into the account, and the balance can be refunded whether you die before or after retirement.

6. There are funeral expenses in case of death. Usually a fixed amount or a number of times the basic pension, usually two or three thousand dollars.

7. Allow a one-time supplemental contribution. Individuals who have not made contributions in the early stages or who have not paid for 15 years by the age of 60 can make a one-time supplemental contribution.

8. Contributions are subsidized, and the higher the contributions, the higher the level of subsidies, and the government subsidies also go into individual accounts.

Disadvantages:

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