What if the pension is not enough after retirement? The plan to save money and worry is coming!

At the press conference on May 17, 20265438, Fu, spokesman of the National Bureau of Statistics, said: It is generally believed that a country's population aged over 60 accounts for more than 10% of the total population, indicating that the country has entered an aging society. 10%-20% is mild aging, 20%-30% is moderate aging, and more than 30% is severe aging. According to the latest census data, the proportion of elderly people over 60 in China is 18.7%.

With the increasing proportion of the elderly, providing for the aged has become an issue that almost every family must consider.

Having said that, everyone will definitely think that in our usual salary slip, there is a fee called social pension. Is the pension we receive when we retire really enough for the elderly?

As we all know, after retirement in today's society, the gap between pensions is actually quite large. Let's not talk about the new rural insurance and the old-age insurance for urban and rural residents. How much pension can we get every month, even for ordinary urban workers? This is a real payment of more than 15 years, but why are some places only about 1000 yuan per month, even lower than the local minimum wage? But some people can get 89 thousand or even more than 10 thousand a month. So is the pension enough? Everyone is different. Let's analyze it in detail.

First of all, we need to know about China's pension system. If we want to receive more money after retirement, we must pay more money before retirement. Paying more and paying less is actually inseparable from your unit and work. We will discuss it in the following three situations:

1. Civil servants in public institutions, employees, teachers and doctors in state-owned enterprises, central enterprises and other public institutions.

They receive a pension after retirement, which is generally higher than that of private enterprises and flexible employees. Then why is this happening? Do they have any extra benefits? Actually, no. All under the same old-age insurance system. However, there is a very important detail, that is, good unit endowment insurance. The unit pays 16% of the actual salary of each employee. For those employees in the unit, the money will enter the social security payment system according to 8%. The higher our salary, the better for us. Because according to the regulations, the money paid by the company is 3/2 of the total amount, and our personal contribution only accounts for 1/3.

2. Private units and ordinary flexible employees

Most private enterprises will pay according to the local minimum pension insurance standards, regardless of the actual wages of employees. That's because the unit can save money by paying endowment insurance to employees in this way, although we actually get a little more money. However, the defects are more obvious and the payment standard is low, which means that the pension received after retirement will be greatly reduced. Secondly, private enterprises are not as stable as state institutions. Nowadays, many young people working in private enterprises often change companies, cities and even lose their jobs for a while, which will easily lead to the interruption of pension insurance payment. The payment period is an important factor that affects the pension standard after retirement, so the pension standard after retirement will be relatively low.

3 Flexible employees

In fact, the social security of flexible employees is no different from that of employees. It's all a system. The most important difference is that the social security contributions of flexible employees are fully borne by themselves, and no enterprise pays for you. However, most flexible employees are unstable in their work and their income is naturally unstable. Even if they pay the endowment insurance according to the minimum standard, they still have the pressure to bear it in full. So many flexible employees just want to pay 15 years old-age insurance. Because according to the current social security law, after paying the old-age insurance 15 years, you can receive a monthly pension when you reach retirement age. However, the difference in the amount received is more obvious. For example, when a female friend in a certain area has just retired, she can only get a pension of about 1000 yuan a month, which is not enough for the daily expenses of her family. She even has to go out to work to make a living, so there is no way to really retire.

Seeing this, I think everyone has some feelings. What I can give you here is, no matter what job you are engaged in, whether you have paid the old-age insurance or not, and how much you have paid. Then we'd better prepare another sum of money separately and buy ourselves a commercial endowment insurance. What is commercial endowment insurance?

Commercial endowment insurance:

Commercial endowment insurance is a kind of commercial insurance with human life or body as the insurance object. When the insured retires in old age or the insurance period expires, the insurance company will pay the pension according to the contract.

Annuity insurance, endowment insurance, term insurance and life insurance in commercial insurance can all serve the purpose of providing for the aged to varying degrees and belong to the category of commercial endowment insurance. Commercial endowment insurance can also be used as a means of compulsory savings to help young people plan ahead and avoid excessive consumption when they are young.

Briefly introduce the benefits brought by commercial endowment insurance:

1. Improve the level of old-age security. Commercial pension insurance can provide better security for the elderly. For those who have not participated in social security, they can participate in commercial endowment insurance. Commercial pension insurance will have a wider choice, including all those who participate in social security and those who do not. The insured can make a reasonable choice according to the economic situation of his family. ...

2. Commercial endowment insurance with the functions of saving and investment is no longer limited to a single pension function, but also adds new functions to commercial endowment insurance. For example: dividend function, minimum guaranteed income, setting up investment account. At the same time, various additional risks can be attached, such as medical treatment, accidents, health and so on.

3. Provide a refund, selectively receive more social endowment insurance, and only receive a fixed amount of pension every month. However, commercial pension insurance can provide more options for the elderly. You can receive it monthly, annually, or at one time.

4. Make financial management more diversified. Commercial endowment insurance can not only protect people's survival, but also give consideration to the death protection of the insured. This protection can benefit their families and future generations.

I hope that through our analysis today, everyone will have a certain understanding of social security for the elderly. In fact, Bian Xiao believes that it is a very good saving habit to buy a commercial endowment insurance for yourself when you are young, and it can also provide you with an extra guarantee for your later life. Promise! If you have other questions about insurance, you can search for "Baibaojun" on Baidu, where there are professional insurance consultants to solve all insurance problems for you at any time.