Is it really cost-effective for individuals to pay endowment insurance?

It's not uneconomical for people who don't have a work unit to pay their own pension insurance, but it's a heavy burden. Having a pension after retirement is a very cost-effective thing for everyone. If you don't have a work unit and only earn some hard-earned money by yourself, it is recommended to pay the old-age insurance according to the base of 60% 15 years. In this way, although the pension after retirement is not high, that is, the level of eight or nine hundred yuan, it can just meet our basic life without asking for living expenses for our children. Moreover, the annual increase in treatment after retirement can basically keep the purchase level unchanged. According to our pension calculation formula, the minimum payment base of 15 can generally receive 18% of the average social salary in the previous retirement year. At present, it is only ~ yuan. Such retirement benefits can be said to be unmatched by people with high pensions. However, compared with those who have not paid endowment insurance, it has great advantages. At present, many urban and rural residents who have not paid social security can only receive a pension of about 1000 yuan per month, and it is not increasing every year, even if it increases by more than ten or twenty yuan. So it is very cost-effective to participate in social security in this way.

Is personal pension guaranteed? Can you make a stable profit?

Matters needing attention

Since personal pension emphasizes "personal choice", we should pay attention to some matters. 1, acquisition conditions; First of all, personal pensions are closed for a long time. For example, I am 35 years old now, and I won't get it until I am 60 years old, that is, the closure period is 25 years. It should be pointed out here that there are four prescribed conditions for receiving an individual pension. If you meet any conditions, you can receive a personal pension on a monthly basis, by stages or at one time. The main one is "reaching the age of receiving basic pension". There is no specific acceptance age here. In other words, if the legal retirement age is postponed in the future, for example, from 60 to 65, then the age of receiving personal pension will also be pushed to 65.

2. Personal pension has two accounts. "Individual pension account" and "individual pension fund account".

return of investment

In addition to the above precautions, whether to invest in personal pension depends on long-term investment income.

Personal pension is always closed for twenty or thirty years because of its long period of closure.

Generally, such a long closed-end investment will require a relatively high stable income.

The long-term return on investment of personal pension in developed countries is around 7% on average.

At present, it refers to personal pension products that can be invested, including savings deposits, wealth management products, commercial pension insurance and Public Offering of Fund.

I registered an "individual pension account" in the bank today. At present, we only see funds and insurance, but not savings products. Therefore, I have never seen the interest rate of savings products in personal pension. It should be noted that at present, in individual pension, the fund also has a closed period of 1 year and 3 years. That is, the external personal pension fund account has a very long closure period, and then the financial products you buy also have their own closure period. In this way, if the savings products are divided into three years and five years, instead of one-time high-yield products such as 10 years and 20 years, it is estimated that it is not cost-effective to buy savings products in personal pension. I don't think it's cost-effective that the long-term annual rate of return of personal pension exceeds 7% in such a long closed period.

At present, our personal pension has just started, and the return on investment is still unknown. It remains to be seen. Generally speaking, personal pension has at least one more investment channel. And how much you want to buy is up to you. You can buy some this year or not next year. Therefore, personally, I support personal pension. Talking is better than nothing, giving people one more choice.