Social security and individual pension are two different ways of providing for the aged, each with its own advantages and disadvantages, which can complement each other. Social security is funded by the government and enterprises to provide certain basic old-age security for the insured, including basic old-age insurance, medical insurance and unemployment insurance. Personal pension is a way of saving for the aged, which is invested by individuals independently, mainly for obtaining more pension benefits after retirement.

Although social security can provide basic old-age security, due to the aging population, social security funds are under great pressure, and it is difficult to guarantee future pension payment, so personal pension is a very necessary supplement. Personal pension has more flexible payment and collection methods, which can be invested and planned according to individual needs and abilities, and can also improve the quality of life after retirement.

Therefore, if your economic conditions permit, I suggest you consider taking out your personal pension and increasing the old-age security after retirement. However, when choosing insurance products, we need to pay attention to factors such as product yield, cost and risk, and choose appropriate products for investment planning.