Is it more cost-effective or lower for individuals to pay social security fees? What is the conclusion drawn by calculation?

In fact, all rights and obligations are interrelated, so is the payment of pension. The higher the reward, the more worthwhile it is. However, when we think and solve problems, we must consider them from the standpoint of dichotomy and never indulge in extremism. The same is true for the payment of social endowment insurance, based on the principle of considering one's own specific situation and proceeding from reality.

Individual freelancers pay social security, so the higher the payment, the more cost-effective it is or the less it is. This can be analyzed from two aspects. First of all, if people with better economic strength want to have a higher pension insurance after retirement in the future from the perspective of the rate of return or the effect of paying social security, then in this case, the higher the better; However, if the economic strength is average, the effect of paying the old-age insurance is that when you reach the legal retirement age and have no ability to work, you will have a basic old-age insurance, which will not increase your child's burden in the future and ensure a basic life. Therefore, it is more appropriate for you to choose a payment standard that meets your economic development tolerance.

Judging from the amount of endowment insurance, the higher the payment, the more cost-effective. But from the economic and practical point of view, it is more suitable for your specific situation. As long as social endowment insurance is paid, it is worthwhile to have endowment insurance after retirement. Regardless of the level of payment, the final difference is the level of pension. I think it's worth it as long as there will be endowment insurance.

In that way, there will be a difference between high and low pensions, and the value of forced payment will definitely be lower than that of low payment. Here are some examples to prove my point. For example, the deposit base is 5000 yuan. Let's simply calculate the phenomenon of pension fund after retirement according to 300% contribution and 60% contribution. The premise of calculation is that the payment period is the same, the retirement place is the same, and the legal retirement age is the same.

The deposit base is 5000 yuan, which is paid according to 300%. In that case, the deposit base is actually 15000 yuan, and the funds credited to the personal account are 1200 yuan every month and 14400 yuan every year. The total amount of personal account payment for 20 years is 288,000 yuan. If the average monthly income of retired workers is 8,000 yuan, then their basic salary is 8,000 yuan+15,000 yuan divided by 2, and the average of the two is 1 1500 yuan. The monthly pension is 1% for each year of payment. Personal account pension insurance is 288,000 yuan, except 139 months, and personal account pension insurance is 2,072 yuan per month. The sum of pension plus personal account pension insurance is monthly pension insurance, so the total monthly pension insurance is 4372 yuan.

The same deposit base is 5000 yuan. If the payment is made at 60%, the deposit base is actually 3,000 yuan, and the funds credited to the personal account every month are 240 yuan, which is 2,880 yuan per year. The accumulated personal account for 20 years is 57,600 yuan. After retirement, the average monthly income of employees is still 8000 yuan, so the average of the two is 8000 yuan +3000 yuan, equivalent to 5500 yuan. After 20 years of payment, the pension is 1 100 yuan; Personal account endowment insurance premium is 57,600 yuan, excluding 139 months. The monthly personal account pension insurance premium is 4 14 yuan, and the total monthly pension is 1, 5 14 yuan.

Generally speaking, when you retire, you will pay 300% except for the different payment indicators and the same academic qualifications, and the monthly pension insurance will be 4372 yuan; According to 60% payment, the total monthly endowment insurance is 15 14 yuan, with a difference of 2,858 yuan, almost three times. Judging from the amount of pension, the higher the payment, the more worthwhile it is. From the perspective of return on investment, the less you pay, the more cost-effective, but you can't achieve the ultimate goal of providing for the elderly.