With the increasing problem of population ageing, the retirement wave has become a worldwide challenge. For those who are about to retire, how to protect their pension and quality of life has become an important issue. In China, retirees in the system can enjoy a monthly pension of seven or eight thousand, but for some people whose parents do not participate in social security, the problem of living after retirement may become very difficult. Therefore, it is our responsibility to help our parents to enjoy their old age and no longer worry about making ends meet.
In the process of solving the problem of retirement tide, the state has introduced an old-age insurance system, that is, old-age insurance for urban and rural residents. Although it may seem inconspicuous on the surface, it actually has a very high yield. Taking the pension insurance for urban and rural residents in Guangdong Province as an example, we can calculate the monthly pension according to the amount and number of years of contributions. For example, for low-level insured persons who pay 180 yuan per year, a total of 2,700 yuan after 15 years of payment, they can receive 212 yuan per month after retirement66 yuan, you can get back the money you paid in one year. It should be reminded that the same contributions, different regions receive different pensions, which is related to local subsidies and basic pensions. Some places provide more subsidies and higher basic pensions, and the amount received will increase accordingly. For example, the latest basic pension in Beijing reached 924 yuan, Shanghai reached 1,400 yuan, even according to the low level of payment, the elderly in these places can receive a pension of thousands of yuan per month, while the basic pension in other areas is only between 100 and 200 yuan.
However, when choosing the grade of pension insurance, in addition to considering the rate of return, we should also pay more attention to whether the pension is sufficient. Low-grade resident pension insurance can only receive more than 200 yuan per month, which is indeed difficult to solve the problem of daily expenses. The high-end resident pension insurance can receive more than 700 yuan per month, plus our own subsidy of a few hundred yuan, for rural parents, can basically solve the problem of eating, drinking, housing and transportation. Therefore, if the parents have not paid social security before, we can consider paying high-end resident pension insurance. Despite the relatively low yield, the yield is still significant compared to other financial products in the market. In addition, taking into account the interest on personal accounts and the future growth of the base pension, the real return will be higher.
In addition to high-yield and adequate pensions, resident pension insurance also has the advantages of flexibility and convenience. Most pension insurance supports a lump sum catch-up payment, which means that parents don't need to worry about making contributions when retirement age arrives. For example, when you are 60 years old, you can pay a one-time pension for 15 years, and then you can receive a monthly pension, which is very intimate. In addition to paying high-end resident pension insurance, we have also introduced another method, that is, to purchase commercial pension insurance. Compared with high-end resident pension insurance, commercial pension insurance has a similar amount to pay, but it is more flexible, and we can withdraw a part of the funds at any time for emergency use. At the same time, commercial pension insurance also provides death benefits, which can designate beneficiaries to ensure that the funds can be passed on to us and not taken away.
It should be noted that there may be changes to the social security pension policy in the future, and the above suggestions are for reference only. When choosing an endowment insurance plan, we should make a plan according to our actual situation and needs. It is best to consult a professional insurance advisor to learn more and develop a pension plan that is suitable for your parents.
Eventually, we left home to work, and the time we spent with our parents became less and less. As they get older and are no longer healthy, we realize that the time we spend together may be getting shorter and shorter. In addition to providing financial support, we can also play with them more and accompany them. If this article is helpful to you, please like it and share it with other friends in need. If you have any questions, you can always leave a message. Finally, welcome to pay attention to Deep Blue Insurance, we will provide you with more content and consulting services about insurance.