Which grade of endowment insurance for urban residents is the most cost-effective?

Which grade of endowment insurance for urban residents is the most cost-effective as follows:

The payment grade of urban residents' endowment insurance can be selected according to personal economic situation and needs. Generally speaking, the higher the payment level, the more the payment amount and the higher the corresponding pension benefits.

From the perspective of rate of return, the rate of return for paying the lowest grade (such as 500 yuan) is higher, because paying less, the corresponding pension benefits are relatively low. The highest grade (such as 5300 yuan) has a lower rate of return, because it pays more, but the corresponding pension benefits are also higher.

Considering the need of retirement, it may be more cost-effective to choose the highest grade. Because the purpose of pension insurance is to get pension benefits, improving the payment level of pension insurance can get better pension benefits and meet the needs of retirement.