Introduction: In China, social security, as an important social security system, is related to everyone's vital interests. In social security contributions, the level of payment and the number of years of payment are the key factors affecting post-retirement benefits. So, which is more cost-effective to pay social security for 20 years at the 60% grade or 15 years at the 100% grade for 15 years?This article will analyze the actual situation in detail for you.
1. 60% of the grades have been paid for social security for 20 years.
1.There is less pressure to pay fees.
The 60% payment level is lower than the 100% grade, which can reduce a certain financial burden for people with lower incomes. In real life, many salaried people choose this grade to pay.
2.Retirement benefits are relatively low.
According to the provisions of China's social security system, the calculation of pension at retirement is closely related to the number of years of payment and the grade of payment. A 60% grade contribution means that the pension at retirement is relatively low. But to a certain extent, it also reduces the pressure of retirement life.
3.The trade-off of price-performance ratio.
60% grade to pay social security for 20 years, although the pension treatment after retirement is not as good as 100% grade to pay for 15 years, but considering the payment pressure and the stability of retirement life, for some people, this choice is cost-effective. Especially for people with unstable income or poor economic conditions, 60% of the grade social security provides a certain amount of protection.
2. Pay 100% grade for 15 years.
1.There is a lot of pressure to pay bills.
A 100% contribution bracket means a higher contribution amount, which is a heavier financial burden for many wage earners. But to a certain extent, contributions at this level can enjoy higher pension treatment after retirement.
2.Retirement benefits are relatively high.
According to the provisions of China's social security system, the calculation base of retirement pension with 100% grade payment is high, so the pension treatment after retirement is relatively good. This has a certain appeal for those who want to live a high quality of life after retirement.
3.The trade-off of price-performance ratio.
100% grade payment for 15 years, although the payment pressure is greater, but considering the higher pension treatment after retirement, for some people, this choice is worth it. Especially for those who have better economic conditions and have higher requirements for the quality of life in the future, this option is more cost-effective.
From the above analysis, it can be seen that 60% of the grades have paid social security for 20 years and 100% of the grades have certain advantages. Which one is more cost-effective needs to be judged according to the actual situation of the individual.
For those people with poor economic conditions and unstable incomes, paying social security for 20 years at 60% can reduce a certain economic burden and ensure retirement life to a certain extent. For people with better economic conditions and higher requirements for the quality of life in the future, although the pressure of payment is greater for 100% for 15 years, the higher pension treatment after retirement can meet their living needs.
Conclusion: 60% of the grade pays social security for 20 years, or 100% pays for 15 years, which is higher, in fact, there is no absolute answer. It is crucial for each individual to make a choice that suits him or her based on his or her own economic situation, living needs and expectations. Here, we welcome readers to share their views and experiences in the evaluation area, exchange ideas, learn together, and grow together.