Many people are not very clear about the problem of self-funded endowment insurance. The following small series will tell you about this problem.

Five insurances and one gold include endowment insurance, medical insurance, industrial injury insurance, unemployment insurance and maternity insurance. If employees are enterprises and institutions, five insurances and one gold need to be paid in full. Paying social security at one's own expense only needs to pay two of them: endowment insurance and medical insurance.

Pay social security at one's own expense, and the payment amount is calculated according to the local social security payment base and the proportion of different payment registration. The social security payment base is the local average social wage in the previous year. Individuals can choose 60% and 80% third gear, and the payment ratio is 20%.

For example, the local pension insurance payment base is 5,000 yuan, and 60% of the payment ratio is selected, so 500,060% = 3,000 yuan, and the pension insurance payment ratio of flexible employees is 20%, so 300,020% is 600 yuan, and the monthly pension insurance payment amount is 600 yuan.

Endowment insurance is a scam.

For endowment insurance, some people say that endowment insurance is a scam, and many people don't understand it. Then why is endowment insurance a scam?

The government hopes that all ordinary people can live a comfortable old age. From the original intention, the purpose is good, but not everyone can understand this kind of goodwill. For some people with better family conditions, they have better plans for their own lives and can live a happy and comfortable old age by their own strength. Endowment insurance is naturally insignificant to them.

As a citizen, I personally think it is worthwhile to pay social insurance. Can calculate an account, the new rural insurance is divided into five files, and 80% of the candidates are selected. According to the payment of 15 years, you will only pay 1500 yuan in your life, and 65 yuan will be averaged according to this year's price. There is no doubt that the money will be recovered in a few years.

Take the old-age insurance in the first-tier city of Shanghai as an example. He thinks that 20% of Shanghai's social wages need to be paid at 15, which is about seven or eight thousand yuan. You can take 15 in the future and get this money back in 25 years. This account is worth it.

Payment grade of rural endowment insurance

Rural endowment insurance has different payment grades, and many people don't know much about it. Let's take a look at the payment grade of rural endowment insurance.

The payment amount of rural endowment insurance ranges from 100 yuan to 4,000 yuan, which is divided into 13 grades:

1, choose the payment level of 100 yuan, and subsidize 45 yuan each year.

2, choose the payment grade of 200 yuan, 50 yuan subsidy per person per year.

3, choose the payment grade of 300 yuan, 55 yuan subsidy per person per year.

4, choose the payment grade of 400 yuan, 60 yuan subsidy per person per year.

5. Choose the payment grade of 500 yuan, and subsidize 70 yuan per person every year.

6, choose the payment grade of 700 yuan, 75 yuan subsidy per person per year.

7. If you choose any one of the three payment grades of 1 1,000 yuan, 1, 500 yuan and 2,000 yuan, you will be subsidized to 85 yuan every year.

8 choose 2500 yuan, 3000 yuan, 3500 yuan, 4000 yuan any one payment grade, annual subsidies to 90 yuan.

The rural endowment insurance fund consists of individual contributions, collective subsidies and government subsidies.

The above is about the rural self-funded pension insurance, I hope to help you!