Social security money is useless until it is paid.

Hello, Ping Xiao An Chen Er answers your questions:

First of all, most people know about social security, but few people know about commercial insurance. At present, the state has repeatedly advocated attaching importance to commercial insurance, because social security is only the foundation and commercial insurance is the remedy.

On the issue of social security refund, let's make a hypothesis first. Zhang began to pay social security at the age of 30 and retired at the age of 60. Let's assume that the money paid every year is the same (this is impossible, because social security is definitely increasing year by year), then it will take him 30 years, that is, 6.5438+0.5 million yuan, of which 6.5438+0.5 million yuan only accounts for 40%.

Then if Zhang dies at the age of 59, he can only return 60,000 yuan, and the remaining 90,000 will all contribute to the country. This is the 60% principle of social security.

Let's look at commercial insurance. Take Ping 'an as an example. In the first year, 5000, 40% entered the insurance company, 60% entered the personal account, 70% entered the personal account in the second year, 30% entered the company, 80% entered the personal account in the third year, 90% entered the personal account in the fourth year, 95% entered the personal account in the fifth year, and 95% entered the personal account every year thereafter. See how much the insurance policy is worth. If the account value is greater than the guaranteed value, the money returned to the account is less than the policy value, and the death will be directly compensated.

I hope everyone will popularize insurance common sense as soon as possible, and it is also in my space. Welcome to the comments.