Did not pay social security before the age of 50. Is it too late to return it now?

Actually, this kind of problem is very common. Many people are unwilling to pay social security from the beginning because they have no awareness of participating in insurance, or because economic conditions are not allowed when they are young, so they will wait until they are 40 or 50 years old and are about to retire. Consider the issue of old-age care, but it may be too late to start paying at this time. We know that if you want to receive a pension, you must pay the pension insurance 15 years. However, if you are 40 or 50 years old, then at this time, you may face the situation of insufficient payment 15 years. Many cities don't allow one-time payment. What should you do?

It is necessary to distinguish between men and women on this issue. Because women retire earlier than men, they may retire at the age of 50 or 55, so for women, as long as they reach the age of 50, Bao Dequan does not recommend that you pay this old-age insurance from scratch, because you may pay less than 15, and you only have one policy to pay back.

That is, you have to postpone your retirement for five years and continue to pay fees during these five years. If you haven't paid 15 after five years, the state allows you to have sex for the rest of your life at one time, so women over 50 want to receive a pension. Retirement must be postponed for five years. At that time, on the one hand, you were too old to find a job.

If there is no job, you have to pay for it yourself. On the other hand, if the five-year delay is not enough, it will cost a lot of money. Counting, it may not be cost-effective. Therefore, it is not recommended that women over 50 continue to pay endowment insurance.

Let's look at men again. For men, they all retire at 60. If you start to participate in the insurance at the age of 50, you can still pay 15 years as long as you delay your retirement for five years, but you will definitely delay your retirement. It depends on your physical condition. If you are in good health, you can retire one or two years later. If your physical condition doesn't allow you, you will cough or gasp all day. All Baode's suggestions are still valid. So what if I'm 50 years old and haven't paid social security for the elderly?

Baode Spring has three suggestions. First, if your economy is average, you can choose to pay the new rural endowment insurance, which is what we often say. Although residents' old-age insurance receives less money, the fees paid are also cheap. Most importantly, you can hand it in no matter how late you start. Some people may say that getting this money in old age may not be enough for retirement. Of course, this is only the basic old-age security. If you want a quality old-age life, you have to make other supplements.

Then the second suggestion, if your financial ability is ok, you can pay attention to commercial endowment insurance, which has no limit on the number of years. You can buy it at any time, and the payment period is flexible, whether it is three years or five years. How much you pay each year can be flexibly selected according to your actual situation!

Social security is the government's commitment to old-age care, and commercial old-age insurance is the contract agreement of insurance companies. It can also ensure that we have a certain pension when we are old, and we can also resist the risk of providing for the elderly.

Then the third is personal pension savings. This suggestion is best to choose friends who have certain financial experience, that is, it is ok to take money as savings, such as buying some bank financial products and funds to ensure cash flow after retirement. If you have no financial experience and simply exist in the bank,

As we all know, people with very low interest rates can't outrun inflation, and they will depreciate more and more in the future. More importantly, they don't have the experience of blindly investing in wealth management, and it is very likely that even the coffin book will be put in. Therefore, most people still suggest choosing the first two, and the Great God can choose the third. Ok, this sharing is over. You can leave a message in the comments section if you have any good suggestions for providing for the aged. See you next time!