Is there a pit in flexible employment pension insurance?

Regret that I bought flexible employment pension insurance. Some regions will choose between 60% and 300%. Take Harbin as an example, there are 9 grades I can choose at will, which are generally integers. In this regard, some users said that if I choose 300% gear, do I need to pay more than 3,000 yuan for moonlight pension? Only the small head has entered my personal account, and all the large households have entered the overall account. Is it a loss? As a matter of fact, the pension is paid into the individual account in two pieces, and those who enter the overall account will also receive the basic pension in the future, and the basic pension is higher than the money they have already paid into the overall account, so there is no saying that the pension insurance for flexible employees should never be handled.

I bought flexible employment pension insurance and regretted the second statement. If I live for a short time, I will be miserable. Take 300% for example. If you live a long time, you will get more money than you paid at the beginning, but if you only live for a few years and die, you will not get the money back in your overall account. For example, some professionals will get the money back from the basic pooling account after receiving it for more than ten years. If they are still receiving the pension at the age of 80 or 90, it means that the government subsidizes the pension for life, so the longer they live, the more cost-effective they will be and the more they will pay.