Generally, it is more appropriate to pay social security by yourself.

It depends on the individual's economic situation, professional characteristics and future pension planning.

First, understand the social security mechanism.

Social security stalls are usually related to the payment base, and different stalls correspond to different payment amounts and treatment levels. Generally speaking, the higher the gear, the more you pay and the higher the treatment you will enjoy in the future. Therefore, when choosing social security stalls, we must first understand the payment standards and treatment differences of each stall.

Second, consider personal economic situation.

Personal economic status is an important factor in choosing social security tools. If the personal income is high and the affordability is strong, then you can choose a higher gear to ensure that you can enjoy higher pension benefits in the future. On the other hand, if the personal income is low and the affordability is limited, then you can choose a lower gear to alleviate the current economic pressure.

Third, consider professional characteristics.

Occupational characteristics are also one of the factors that affect the choice of social security tools. Some occupations may have high risks or uncertainties, such as freelancers and entrepreneurs. These people may need to be more careful when choosing social security tools to ensure that they can get adequate protection when facing risks.

Fourth, plan the future pension needs.

Future pension demand is an important factor to consider when choosing social security tools. Individuals can reasonably plan their future pension needs according to their age, health status, family situation and other factors, so as to choose the appropriate social security gear. If you want to enjoy higher pension benefits in the future, you can appropriately raise the social security gear.

To sum up:

Generally speaking, it is more appropriate to pay social security by yourself, which needs to be considered comprehensively according to the individual's economic situation, professional characteristics and future pension planning. When choosing social security gear, we should not only consider the current economic affordability, but also consider the future pension needs. At the same time, we should also understand the payment standards and treatment differences of each file in order to make a wise choice.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 10 stipulates:

Employees should participate in basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, and employers and employees should jointly pay basic old-age insurance, basic medical insurance and unemployment insurance in accordance with state regulations.

People's Republic of China (PRC) social insurance law

Article 12 stipulates:

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.