In fact, all rights and obligations are related to each other, and so is the payment of pension. The higher the payment, the more worthwhile it will be. However, when we think about and solve problems, we must consider them from the standpoint of splitting into two, and we must never indulge in extremism. The same is true for the payment of social endowment insurance, which is based on the principle of considering one's own specific situation and proceeding from reality.

freelancers pay social security, so the higher the payment, the more worthwhile it is, or the smaller the payment, the more worthwhile it is? This can be analyzed from two aspects. First of all, if the person with better economic strength, from the rate of return or the effect of paying social security, is to have a relatively high pension insurance after retirement in the future, so in this case, the higher it must be, the better it will be; However, if the economic strength is average, the effect of paying old-age insurance is to get to the legal retirement age, and there is no ability to work, there will be a most basic old-age insurance, which will not increase the burden on children in the future and ensure a basic life. Therefore, it is more appropriate for you to choose a payment standard that is consistent with your own economic development tolerance.

From the perspective of the amount of pension insurance, the higher the payment, the more worthwhile it is. However, from an economic and practical point of view, it is more suitable for your own specific situation. As long as you pay social pension insurance, it is all worthwhile to have pension insurance after retirement. No matter whether the payment is high or low, the final difference is that the pension is high or low. I think it is all worthwhile as long as there will be pension insurance.

In that case, the pension will be divided into high and low, and the one with strong payment will definitely be worth it than the one with low payment. Here are some examples to prove my point. For example, the deposit base is all 5, yuan. Let's simply calculate the phenomenon of pension fund after retirement according to 3% payment and 6% payment. The prerequisite for calculating is the same payment period, the same retirement place and the same legal retirement age.

The deposit base is 5, yuan, and the payment is made according to 3%. In that case, the deposit base is actually 15, yuan, and the funds credited to the personal account are 1,2 yuan per month, 14,4 yuan per year, and the total amount of personal accounts paid for 2 years is 288, yuan; If the average monthly income of employees after retirement is 8, yuan, then its basic salary is 8, yuan+15, yuan divided by 2, and the average value of the two is 11,5 yuan. According to the calculation of sending 1% for each year of payment, the monthly pension for each year is 115 yuan, and the monthly pension payable for 2 years is 2,3 yuan. The personal account pension insurance is 288, yuan, and the monthly personal account pension insurance is 272 yuan except for 139 months. The sum of pension plus personal account pension insurance is the monthly pension insurance, so the total monthly pension insurance is 4372 yuan.

The same deposit base is 5, yuan. If the payment is made at 6%, the deposit base is actually 3, yuan, and the funds credited to the personal account every month are 2,88 yuan, and the total amount of the personal account for 2 years is 57,6 yuan. After retirement, the average monthly income of employees is still 8, yuan, so the average of the two is 8, yuan+3, yuan divided by 2, which is equivalent to 5,5 yuan, and the pension for 2 years is 1,1 yuan; The personal account pension insurance premium is 57,6 yuan, except for 139 months, the monthly personal account pension insurance premium is 414 yuan, and the total amount of pension paid each month is 1,514 yuan.

Generally speaking, when doing retirement, the monthly pension insurance premium is 4372 yuan, except that the payment index is different and the academic qualifications are exactly the same. According to 6% payment, the total amount of monthly pension insurance is 1514 yuan, which is 2858 yuan apart, almost three times the difference. From the perspective of the amount of pension, the higher the payment, the more worthwhile it is. From the perspective of investment return, the smaller the payment, the more worthwhile it is, but it cannot achieve the ultimate goal of providing for the elderly.