Starter: Wenwen Dabao Belle
An insurance self-media that can directly contact the owner of the public account
Hello everyone, I'm Wenwen Dabao Belle, your heel insurance blogger.
The amount of pension largely determines the quality of our life after retirement.
In this article, we will talk to you about how to plan endowment insurance, so that we can achieve a decent pension life.
01
Social security pension is indispensable
Social security is very important to each of us.
From the perspective of the positioning of social security:
First, it is the basic guarantee system established by the state.
Social security now covers 1.37 billion people, covering 97% of the country's population.
We also need to actively participate in this universal security system, and don't be the remaining 3%.
Second, it is also a tool for the government to redistribute and close the gap.
Some people have high incomes and spend thousands of dollars a month to pay social security, while others only pay a few hundred a year, and the government also gives subsidies.
Two people went to the hospital to see a doctor and enjoyed the same medical care.
In the end, the pension will be paid more, but the state will make some adjustments to make everyone move closer to the average and narrow the gap.
The importance of social security is self-evident to each of us.
After we have allocated social security to ourselves, we can supplement ourselves with commercial medical and endowment insurance on the basis of social security according to our own budget and needs.
02
How much do I have to pay for social security?
If we choose to pay pension insurance by ourselves, then there are two options, one is "urban employee pension" and the other is "urban and rural residents' pension".
(1) Urban and rural endowment insurance
The threshold for the endowment insurance for urban and rural residents is very low, and the biggest advantage is that it is "cheap", and you only need to pay once a year.
Taking Shanghai as an example, it is divided into 10 grades, and the lowest is only 500 yuan, and the threshold is not high.
If you have not paid for 15 years at the time of retirement, you can choose to make up the payment every year, and you can start receiving the pension on a monthly basis in the next month after the payment is completed;
There are also places that support one-time replenishment, and it is also possible if the economic conditions allow.
The payment standard varies from place to place, and some local governments will also subsidize according to individual contributions.
(2) Social security for urban workers
In the form of "flexible employment", you can also choose to pay social security for urban employees.
It is characterized by good welfare, more payment and more payment, and more payment for a long time.
But the cost is higher.
Because flexible employment social security is two parts, the individual and the company, both pay by themselves.
Or take Shanghai as an example, the lowest payment base is 7310 yuan, the pension payment ratio is 24%, at least 7310 yuan per month× pension 24% = 1754.4 yuan.
A year is 1754.4 yuan× 12 months = 21052.8 yuan, which is not a small amount of money.
In addition, this minimum contribution base will increase every year.
Therefore, if conditions permit, everyone should find a job that can pay five social insurances and one housing fund and go to work normally.
In this way, it is the individual and the company to pay money together, the individual out of the small head, the company to pay the big head, can be a good way to reduce the pressure of our pension insurance.
I would also like to remind everyone that after the man reaches the age of 60 and the woman reaches the age of 50, individuals are not allowed to pay for the employee pension, so if you want to pay, you must pay it as soon as possible.
03
What should I do if I want to increase my pension?
The amount of pension largely determines the quality of our retirement life.
If we want to get more pension, we can choose to pay more social security, or we can prepare for it ourselves.
For friends who are about to retire, if they are paying for the pension of residents or flexible employment workers, they can increase their payment stalls and pay more money in the short term;
If you are still a long time away from retirement, then try not to stop paying, extend the payment time, and finally get more money.
Paying more social security is indeed a good way, but it will always be affected by the policy, and if you delay retirement, you will receive money later.
On the basis of paying social security, we can also choose to buy ourselves a commercial endowment insurance.
Its advantages are:
First, it is very flexible, how much you want to pay, how to pay, and what kind of protection you want can be customized.
Every month or every year, the insurance company will transfer the money to the account on time, and you can receive it for as long as you want to live like social security.
Second, it is not subject to various policy implications.
How much pension you can receive and what kind of medical services you enjoy are only related to the products you buy and the premiums.
It has nothing to do with inside or outside the system, the level of rank, the size of the city, and so on.
In the future, whether it is the aging of the population or the inability to cover the expenditure, the insurance company cannot use this as an excuse to delay or reduce the pension for you.
Third, it locks in long-term gains.
At a time when interest rates are declining, pension insurance can help us lock in long-term interest rates and enjoy high returns for life.
It is indeed a good choice for decent retirement.
Write at the end
The word retirement, for many friends, is a distant picture many years later, and no one knows what will happen.
But judging from the current signs, we can at least be sure that the pension should be prepared early.
If you want to live a decent pension life in your old age, it is obviously not enough to rely on a single pension insurance.
When we are young, we should work hard to save money and carry out comprehensive financial planning, so that we can have a lifetime of stable happiness.
Moreover, the amount of pension is important, but we should also not forget that health protection, such as medical insurance, critical illness insurance, etc., can help us transfer potential economic risks.