Let's look back. If you spend all your savings, what should my daily life be like in the future? If we carefully consider this situation, it is obvious that providing for the aged must be solved according to personal social security. Personal social security is not a kind of social security, but a kind of social security. Through this guarantee, we can ensure that everyone will feel safe and dependent in the future. But if you only rely on deposits, although you are likely to deposit 1 000 yuan every month for a fixed period, it seems a lot, and you can deposit at least 1 000 yuan a year. After decades, at least hundreds of thousands can be saved.
After all, this money can be said to be a small amount. Hundreds of thousands today are not equal to hundreds of thousands in a few decades. With the development of economy, with the devaluation of currency, with the rise of prices. Then it can be said that hundreds of thousands in a few decades, perhaps compared with hundreds of thousands today, may be roughly the same. So it is obviously impossible for hundreds of thousands of dollars to support themselves. Since I can afford the standard of 1000 yuan per month, I am fully capable of participating in the basic old-age insurance for flexible employees.
In this way, you can participate in commercial insurance for urban and rural residents, and the final cumulative payment period only needs to reach 15 years or more before the prescribed retirement age. You can receive a monthly pension in the future, and this pension can be received for life. With the increase of the legal retirement age, the level of pension benefits will continue to improve. Therefore, it is more appropriate to choose this way to support the elderly. There is no need to choose more ways of providing for the aged at the age of 30, because paying social security is the best choice.
Moreover, there are still some shortcomings in saving money on rooms. As we all know, this is your own deposit, so you may need money urgently in the process of deposit, and you may transfer your deposit for use. In this way, your savings are much less, and it is very likely that you will really spend it on your own pension, and your money will be less and less. But commercial pension insurance is different. Old-age commercial insurance can't be transferred out halfway, and it will definitely be part of your pension in the future. So it is called being able to get reasonable protection. It is absolutely different from deposit, and personal social security cannot be replaced by deposit.