Reading guideFrom 2020 to 2023, in the case of stagnation of the world economy, China is still moving forward steadily, although the domestic real economy has been hit hard, but on the eve of the warm spring, China has fully liberalized control, and large and small enterprises across the country have grown rapidly like spring wheat. Actively attracting investment, opening up new markets and new businesses, and the unemployed in urban areas also returned to work during this period, and the economic situation continued to advance steadily. So what do you know about flexible workers? 
Flexible employment mainly includes self-employed personnel (such as small traders, new ** personal account operators), part-time employees (such as summer workers, temporary workers), new employment forms of employment, etc. According to the 2022 annual demographic data of our country, the number of people in flexible employment has now reached 2100 million, accounting for about 28 percent of the employed people in our country5%, of which only 63 million people choose to participate in the basic pension insurance for employees, accounting for about 30% of the flexible employment personnel. Different from the employees of urban institutions, it is difficult for flexibly employed persons to enjoy the basic old-age insurance for employees with a relatively high level and comprehensive social welfare. 
In this case, China has launched the participation of flexible employees in the payment of employee pension insurance, and has now canceled the restrictions on the participation of personnel in household registration (except for Beijing and Shanghai), and flexible employees can apply to participate in the basic pension insurance for employees of enterprises at the place of household registration or work. Pension insurance contribution ratio for flexible employees: According to the regulations, the pension insurance for flexible employees is generally calculated and paid based on 60% to 300% of the average salary of employees in local enterprises and institutions, and the payment ratio is 20%, of which 8% goes into personal accounts and 12% goes into social pooling**. 
Taking Xi'an as an example, the Xi'an Municipal Bureau of Statistics released: the average salary in 2023 is 7716000 yuan, the average monthly salary is 643000 yuan. If a person is 45 years old this year, is expected to retire at the age of 60, and has not yet participated in the enterprise employee pension insurance, if he starts to pay the enterprise employee pension insurance this year and has paid for 15 consecutive years, the annual average contribution wage index is 06, then he needs to pay 308 per month64 yuan. The average salary growth rate is expected to be 5%, the interest rate on personal account accounting is 3%, and the future payment grade is 60, when he retires in 2039, the average monthly salary is 8,000 yuan, then he can receive a monthly basic pension of 1,776 yuan. 
And there are four levels to choose from in the annual average contribution wage index, and the higher the payment level, the higher the basic pension level. (According to the different levels of economic development of each province, some data will be adjusted accordingly, which can be queried on the homepage of the national social insurance public service platform - pension insurance - insurance payment calculation and other calculation items) It is known that the employed person pays 308 per month64 yuan, then its total payment for 15 years is 555552 yuan, in full receipt of a basic pension of 1,776 yuan per month, without considering other factors, he only needs 32 months to recover the cost. 
In addition, in the current basic pension insurance system for enterprise employees, it is stipulated that after the insured person dies due to illness or on duty, his family can enjoy funeral subsidies and pensions, and if the insured person dies, there is still a balance in his account, and his family can withdraw it by himself. Therefore, the wait-and-see personnel do not need to consider the problem of loss at all, and the principal must be recoverable. Of course, it is difficult to avoid depreciation of the currency in this process, but correspondingly, the level of national policy treatment is also continuing to adjust and steadily improve, the payment of pension insurance as the least risky investment, must be a sure win, in real life, only the national debt and the central bank can stand at the same height as the risk of pension insurance. 
As of July 2023, 12 provinces (municipalities) have adjusted their pensions, namely Ningxia, Liaoning, Henan, Hebei, Tianjin, Jiangxi, Shanghai, Beijing, Hubei, Jiangsu, Jilin, and Hainan. Among them, the general adjustment is the decline in the pension linkage ratio, for example: Hubei will have a linkage rate of 1 in 20222%, down 005% for 115%, which means that if the retiree's salary is $100, his pension is from $12 yuan was reduced to 1$15. 
In terms of pure figures, the pension is a certain reduction, but in practice, there is a corresponding phased adjustment for the level of personal pensions, in general, it is to lower and lower the high, so that the social distribution is more fair, the social security system is more perfect, and the gap between the level of personal pensions is smaller. Under China's current monetary policy, the general direction is to seek stability, and at present, when the natural growth rate of the economy tends to be flat, unless affected by uncontrollable factors (war, extraordinarily large natural disasters), there will be no major changes in the purchasing power of money. 
Conclusion
Here, the author hopes that the majority of flexible employment personnel will actively apply for participation in employee pension insurance within their acceptable range under the support of economic conditions, so as to reduce the pressure on China's finances, provide a source of power for the adjustment of social welfare policies, and plan their retirement life in advance. Of course, the premise of all this is to take good care of your body, work hard, and move forward towards a better future.