The current economic fund refers to the social pooling part of pension insurance. It is a unified fund that is jointly provided by the whole society when individuals cannot pay. Starting from 2006, in the spirit of strengthening personal accounts, social security has canceled the original 3% transfer. Although the cumulative amount of personal accounts has been reduced, the state says that there will not be a big gap between the benefits after retirement and the original ones. As insured persons, we can only carry forward part of our dedication.
A passenger bought 20 yuan of aviation insurance. After the plane landed, he couldn't ask for a refund of the insurance money just because there was no accident on the plane, right? Insurance is just that, a protection purchased to protect against unforeseen risks. If the future could be predicted, insurance would lose its meaning.
The same is true for pension insurance. No one can guarantee that they will always have living security after retirement relying on their savings. If it cannot be guaranteed, then relying on social security to assume the role of guarantee is a good choice; people cannot guarantee that they will How old will you live to be? If you live to be 100 years old, where will your life security come from for the remaining 45 years after you retire at the age of 55? This is a bit like flying on an airplane. Some people just live to be 55 years old and die, and some people can live to be 100 years old. The financial aid is calculated based on the average age of 75 (for example), and you can only live The pensions paid by 55-year-olds are provided to people who live to be 100 years old. This has the opposite effect to airplane insurance. Aircraft insurance allows people who have not crashed to pay money to express condolences to those who lost their lives or were injured in a plane crash. Pension insurance allows people who are still alive in old age to live better. Some. The effects are opposite, but the principle of insurance is the same.
So, how can you withdraw from the insurance midway?