On the issue of pension, what cannot be bypassed is social security. In the future, flexible employment pension should not be the first choice for retirement.
For freelancing, the original first choice is flexible employment for the elderly, why?
Flexible employment pension treatment is equivalent to the pension of urban workers, and the pension is still considerable, which is also one of the pension solutions recommended by many people who understand policies and professionals.
What about the shortcomings of flexible employment and pension? There are two main points:
First, there is a lot of pressure to pay fees. According to the policy, flexible employment pensions should be borne by individuals at 20%, while enterprise employees only bear 8%. The difference between this is 12%, and the actual amount will be higher and higher, taking into account the increase in the annual contribution base. For example, the pension payment base of Hebei Province in 2023 is 621108, corresponding to a minimum of 745 per month for flexible employment33, actually credited to the personal account 29813, the median difference is 4472. The difference is equivalent to the "contribution" of flexible employment, which has little to do with yourself. This is only one month from the minimum base. With the change of the payment period, this amount will also get larger and larger, even if it remains the same, it will be paid for at least 15 years, that is, 180 months, and the difference will accumulate at least 670,000, this part is more than the employee pension, and it may not be able to get it back after retirement.
Second, the payment period is long. The social security pension payment period is at least 15 years, but at this time, flexible employment and pension years can be combined. For flexible employment for three or five years, the impact is not very large, and if you rely on yourself, it will have a big impact. It is foreseeable that this payment period will increase in the future. Even if it doesn't increase, after 15 years, do you want to continue to pay it later? You still have to pay, otherwise the pension is still not very high. Taking the present as an example, in Hebei Province, only 15 years are paid, and the lowest retirement pension is about 1,200, and the 100% pension is about 1,500. That's forty or fifty yuan a day, according to the current price level, that is, food and clothing. It has been paid before retirement, so that the years can be long, and the pension has a chance to exceed 2,000 or even 3,000, so that about 100 per day, and there can be a well-off level.
Although the shortcomings have a great impact, but after comparing the pension of urban and rural residents, flexible employment pension is still the best choice now, after all, the pension is less than 1,000, and the pension of urban and rural residents is only one or two hundred per month, and rarely more than 400. At this pension level, it is difficult to eat and wear.
So what do we do now? It is still a comprehensive judgment based on the current age and the specific situation of past payment. After 70s and 80s, stepping on the line, it is still normal to participate in insurance; What about the post-90s and post-00s? Try to find a unit to work and pay social security, so it's a little better, I really don't have a choice, you can also pay flexible employment and pension transition first. As for whether or not to pay for flexible employment in full, it is best to consult separately. Why? There are maximum variables:
Delayed retirement policy. It is certain that delayed retirement will definitely happen, and as for how old you are, it depends on the final human resources and social security policy. I am a post-80s generation and plan to retire at the age of 70, which belongs to a more pessimistic wave. The power of delaying retirement is too great, let's talk about it next time.
There is also a small variable: the income of the pension personal account is getting lower and lower. At the end of 2023, the General Office of the Ministry of Human Resources and Social Security and the General Office of the Ministry of Finance jointly issued the Notice on Determining the Parameters of the Personal Account Accounting Interest Rate of the Employee Pension Insurance in 2022, which clearly stipulates that the personal account accounting interest rate of the basic pension insurance for urban employees (including the basic pension insurance for employees of government agencies, institutions and enterprises) in 2023 is 397%。For comparison, let's take a look at the calendar year bookkeeping rates from 2013 onwards:
2013-2022 employee pension personal account accounting rate.
Since 2016, when pensions were allowed to enter the market, the bookkeeping interest rate has been raised significantly. In recent years, ** has more or less heard that it is not good, especially from the beginning of 2024 to the present, it still has an impact on our personal accounts (it does not affect pension benefits, these are two different things). In the future, the benchmark interest rate for 1-year deposits will become more and more tendency, that is, the yield part will become weaker and weaker.
Flexible employment pension is not the first choice, so what should you choose? Urban and rural residents can afford to provide for the elderly, and if they have the ability, they can consider commercial pension or others.
The pension of urban and rural residents, which is often referred to as agricultural insurance, pays all the personal accounts by themselves, and in any case they are their own, either they receive it all by themselves, or they leave it to their families. As for the small pension, it is necessary to consider other channels.
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