The question that has been asked the most for such a long period of time is which class is the most cost-effective pension for urban and rural residents. Many elders, regular workers and rural friends are having sex every year without any knowledge of their suitability。
There are people who choose the lowest and receive little money; there are those who blindly choose the highest, who are under great pressure and who don't have to bite each year. Today, when i combine the questions of the fans and the real situation of the people around me, i explain the logic of the options for people to retire。
First of all, it is important to understand that old age is different for residents and workers. It is an annual contribution, a government subsidy and a life-long basic pension, based on a price-for-money and bottom-up, not a high-paying wage。
There are several contributory periods, ranging from several hundred to several thousand. The core rule is, in one sentence, that the higher the grade, the higher the government subsidy, the higher the future personal account accumulation, the higher the pension。
I'll give you three categories of people, simplest and most practical:
First: friends with general economic conditions, unstable incomes and high household expenses。
It is recommended that a lower step be selected. Many were concerned that low grades were not cost-effective, but that, for ordinary people, constant payments were more important than high grades. Once you've chosen too high, two years of pressure will be lost. Every year, steady sex, cumulative years, old age with at least one stable pension, drought and floods。
Second: our average family, our income is stable and we want to get a little more money later。
Directly selects a high profile. The gap between government subsidies in this category is clear, with a cumulative 10- to 15-year gap in personal accounts opening up. After retirement, monthly payments can be much more than low-end payments and are very cost-effective in the long run。
Thirdly, the economy is generous and wants to maximize pension benefits。
Then you can choose the highest grade. The maximum pension contribution of the population is not expensive, and it is extremely low on the part of the employee and is suitable for supplementing the pension。
Here i would like to correct a large number of errors: the retirement age of the population can be changed every year, not the same。
This year, when we are in a tight position, we pick a low class; next year, when we get better, we move up. Many people are unaware of this policy and think that one choice is going to last forever and will not change。
There is also one of the most important concerns: retirement benefits for residents。
It consists of a basic pension plus a personal account pension. The basic pension is national and local and is available to everyone; the personal account is the sum of the money you pay each year plus the government subsidy. The longer they are delivered, the higher the grade, the greater the gap。
And finally, the truth is: the old age of the inhabitants is not rich. For the general population who do not have an employee's social security, this is the best-valued and most stable old-age pension. It's best not to compare, not to follow, to suit your economic situation。
Which class do you usually choose when you're a resident? The comment section tells me that i'm trying to figure out if it's worth it。
What's in it for you
