Individuals are not advised to pay social security? Actually, it's all a lie. Do you know what the industry thinks?

Some online self-media authors say that individuals are not advised to pay social security, because affiliated units and flexible employees will have great pressure to pay social security, which will affect their quality of life; I think this view is one-sided. Although I don't advise individuals to pay social security for residents, paying social security for employees and flexible employees is equivalent to a city pass and a guarantee for the elderly. If you give up paying, you won't enjoy these two benefits.

First, the treatment of receiving a pension after retirement.

To receive a pension in China, two conditions must be met at the same time. First, social security contributions have reached 15 years; The second is to reach the statutory retirement age. Many people think that it takes a long time to pay and it takes a long time to get it, and after listening to experts' advice that individuals are not advised to pay social security, they think that it is better to pay social security now. Although social security has little effect in the short term, it is simply a waste of money. When you can't make money by selling your own labor force after retirement, the pension issued by the state can at least ensure food and clothing, and in order to cope with the rising cost of living caused by rising prices, the state will raise the pension for retirees every year. It is also very important that endowment insurance is lifelong and can be received until death. In addition, after death, you can also enjoy funeral subsidies and pensions issued by the state, and you can also support the elderly for your children and reduce the cost and burden. So if you don't pay social security when you are young and strong, you will probably regret it when you are old.

Second, the treatment of buying a house in a big city.

In order to curb the demand of the property market, stabilize housing prices and avoid the urban congestion caused by overpopulation in big cities, social security has become a passport for major cities to buy a house, buy a car and settle down. For example, in Taiyuan, my city, buying a house requires proof of continuous payment of social security for 6 months in this city. Note that this is a continuous payment period, which means that once the payment is interrupted, the time will be recalculated; For another example, non-local residents who buy car licenses in Shanghai need to pay social insurance premiums or personal income tax in Shanghai for three consecutive years. If there is no personal payment record, you can use the social security payment period to buy a car; In addition, the settlement of big cities is also closely related to the social security payment period. For example, Beijing's point settlement policy, continuous payment of social insurance for 7 years or more in Beijing is also one of the necessary conditions for settlement. So social security is also very important for young people.

Since social security is so important, which payment method is more cost-effective for individuals without fixed jobs? How to get more pension after retirement?

I suggest that you choose social security for flexible employees, and you need to pay pension and medical insurance, which is exactly the most indispensable insurance in our life. The pressure of payment is less than relying on social security, but there is no difference in pension level after retirement. Moreover, the social security of flexible employees can also enjoy the national social security subsidy policy, which can greatly reduce the pressure on payment. Therefore, I think it is cost-effective for individuals to pay social security for flexible employees. There are three feasible ways to get more pensions. One is to participate in insurance in big cities, and the other is to reduce the pressure of payment.

Let's call it a day. If you have any questions, you can give me a private message or leave a message, and I will answer them in time.