How To Make Social Security Worthwhile Is Worth Studying.

One

First of all, let's give you a simple science.

Social security mainly includes endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance.

We are most concerned about the two components of endowment insurance and medical insurance.

Endowment insurance:

It usually takes 15 years to retire and enjoy a pension for life.

If you are dissatisfied, you can only get 8% of your pension on your personal account and leave the rest to the state.

Therefore, suppose that after the delay of retirement, the A of the boys after 90 may reach the retirement age at the age of 65, then he will have to pay the pension insurance at least before the age of 50.

Medical insurance:

There are two pieces of medical insurance: personal accounts and overall accounts.

Among them, personal accounts are the amount of money they own in the medical insurance account.

The overall account has nothing to do with how much money you deposit. Even if you only pay a few dollars, you can enjoy 50% of the overall reimbursement rate, and the limit is 100 thousand.

According to age, you are reimbursed by proportion. The older you are, the higher your reimbursement rate is.

Therefore, medical insurance is still necessary, no matter how much we must pay.

Male paid 25 years, female paid 20 years, after retirement can continue to enjoy medical reimbursement.

Two

Is the meaning of social security significant?

First,

Don't think about it, because the state stipulates that social security must be paid.

It is only the question of what units should be handed in according to what standard they should pay.

For freelancers or unemployed friends, medical insurance is best to hand in, and social security depends on specific circumstances.

Some people feel that social security is not guaranteed. With the aging of the population and other problems, the pension income and expenditure are not balanced.

This is no need to worry.

This year's two sessions, Premier Li Keqiang all said, the pension must be issued, this is a commitment to the common people.

In fact, you need to note that the calculation of pension is very complicated. The more the earlier payment is, the more time it takes to pay. It also depends on the time of payment and the average wage level of the whole province.

In other words, in fact, the pension has the effect of "robbing the rich and helping the poor", that is, those whose wages are higher than the provincial average wage should be subsidized to those who earn less than the provincial average wage.

about

Or unemployed friends, if the present economy is tight, they can be handed down to the minimum standard.

Not really. It will take 15 years to complete the case and get it after retirement.

But there are exceptions. If you want to buy a car in a first tier city, you need to see clearly.

For example, if a non Beijing resident wants to buy a house in Beijing, he must pay 5 years' social security without interruption. This must be noted.

Three

Suppose an extreme case, I do not pay pension, only rely on their own savings and investment row?

Some people have actually counted an account, assuming that a wage earner CC who works normally in Beijing now has a monthly salary of 6000 yuan, until he retires at the age of 55, and is 80 years old.

(assuming that the annual growth rate of CC income and the average wage of Beijing workers is 5%).

Situation 1: pay pensions normally to retirement, retire to old age and get 5 million 360 thousand of the pension.

It looks a lot, but you have to consider inflation. According to a more conservative 4% inflation rate, 5 million in 30 years may only be equivalent to 1 million 500 thousand now.

Situation 2: monthly investment in the payment of social security will be used to earn 5% of the annual income.

Then retirement can get 3 million 60 thousand of the pension.

No payment of old-age insurance is worthwhile.

Situation 3: assuming that CC has more financial brains, it will pay pensions for the annual investment of 10% per month.

Then retirement can get 6 million 950 thousand of the pension.

It's much better than paying the old-age insurance.

The above example is an extremely rough calculation.

First of all, it is now postponed to retire. CC will probably retire at the age of 60 or even 65.

Second, the annual income of 10% is still relatively hard to achieve.

However, you can also see that if you are willing to take out a sum of money every month to force savings, you can also provide some protection for retirement on that day.

For example, CC from the age of 30 according to the monthly investment of 500 yuan to do pension calculations, annualized earnings in accordance with 7.6%, agreed 25 years later, 55 years old began to receive their own pure interest pension, how much can it get every month?

6000*[(1+7.6%) ^25+ (1+7.6%) ^24+ (1+7.6%) ^23+ (1+7.6%) ^22+...

+ (1+7.6%) ^2+ (1+7.6%) ^1]=6000*[1-1.076^25]/ (1-1.076) =6000*68.9704=413822.4 yuan, put forward again at a time, the average monthly interest rate is 413822.4*7.6%/12=2620.88 yuan.

That is, a monthly pension of 2600 yuan, and the principal of 414 thousand yuan has not been moved.

Therefore, if you are not so keen on social security, you can choose the minimum social security + investment saving way to plan your own pension.

Or after 15 years of social security, choose other ways to strengthen protection.

In addition, there are many commercial insurance that can provide old-age security, but many products are still relatively pit father, and the amount of money returned after decades will run out of inflation.

Careful consideration is needed.

Four

Finally, how to make social security for yourself?

As long as they are on their own, they can only go to three risks (old age, medical treatment, unemployment).

If you are a local account, you can pay the local employment service center and talent service center.

If you want to be a freelancer outside Beijing, you can only find a social security agency. Usually you can pay hundreds of service fees a year. It can help you get five risks and one gold.

What if we accidentally break off for a period of time?

If you are going to enjoy life care for the elderly, pay attention to the following two points:

1., the age of pension and medical insurance can be accumulated. If interruption, enough years can be made.

If the retirement age is still not enough, the Beijing account can handle the delay payment, and the foreign account will be enough for 10 years to handle the delay payment. If it is not enough for 10 years, it will only be returned to the place where the account is relocated.

2., medical insurance is broken. The treatment of medical insurance has been suspended since next month. Reimbursement can be made again.

In case of disbursement, the medical insurance card will have two to three months of recovery. In the two to three months, the reimbursement can only be made manually, and the medical insurance card can not be reimbursed automatically.

Of course, this is only the regulation of Beijing. There is also a place where if the payment is paid over two months, there will be a waiting period of six months. You will not be reimbursed for those six months.

If you are buying a car in front of a city, you must pay attention to:

Do not break social security, even if it is broken for a month, according to the regulations of Beijing, it will be paid for five years.

Many friends who change jobs will be faced with such problems. No one will help you to hand over social security. You must find an intermediary in advance to make a pition. There are many intermediary companies that help social security on the Internet.