Why not advise individuals to pay endowment insurance?
Individuals are not advised to pay endowment insurance, mainly because the pressure of payment is too great and they need the ability to pay continuously. Details are as follows:
1, the pressure of payment is too great: employee insurance is paid jointly by the company and the individual, with the company paying part and the individual paying part. Take the old-age insurance as an example, the unit pays 20% and the individual pays 8%.
Individual endowment insurance is flexible employment insurance, and the contribution rate of endowment insurance is 28%, which is equivalent to paying a large part of the unit contribution rate. According to the payment base of the local social security bureau, after choosing a file, you can pay 28% of the old-age insurance premium. For those who have no job, the pressure of payment is not small.
2. Need to have the ability of continuous payment: the old-age insurance must be paid continuously for more than 15 years, and the pension can be received every month after retirement, but the pension payment must be paid continuously for more than 15 years and must be paid for a long time every month, which requires the ability of continuous payment. Without the ability to pay continuously, it is easy to interrupt the protection and the money in the account cannot be taken out.
Is it risky to open a pension fund account?
There is no risk in opening an individual pension fund account. The personal pension fund account is opened directly in the commercial bank of the personal pension pilot, which is the same as the normal bank card account opening process. The personal pension fund account is mainly used for payment, and the funds in the account can be used to purchase personal pension products, including savings deposits, wealth management products, commercial pension insurance, fund public offering, etc. Of course, it is ok for users not to pay, and there will be no adverse effects.
Although individuals are not recommended to pay pensions, many people actually pay social security as flexible employees. If you have little pressure to pay, you'd better take out insurance, which is also a guarantee for yourself.