商业养老保险补充社保 50岁前购买更好（Commercial pension insurance, social security, buy better before the age of 50）.docVIP

商业养老保险补充社保 50岁前购买更好（Commercial pension insurance, social security, buy better before the age of 50） The social endowment insurance fund is composed of the basic pension and personal account pension paid by the social comprehensive fund. It is understood that the individual accounts of social endowment insurance is empty account of funds, staff pay personal accounts are now paid to retired without the accumulation of elderly, equal to historical debts; empty individual account was increasing with the size of 100 billion yuan a year, currently has more than 800 billion yuan, the pension gap more up to 2 trillion and 500 billion yuan. From January 1, 2006 onwards, the size of a unified account of social pension by individual pay my wages 11% adjusted to 8%, all formed by the individual contribution, the unit to pay 22.5% to the social pool, no longer enter personal account. This policy means that young people and high-income people are most affected. 1, social security pension is not enough The latest research on Chinese zero group in urban and rural areas showed that about 30% of the respondents expressed concern about their pension problems; compared to other groups, low education, low income, 40 to 49 years old and middle-aged people to city more concern about their pension problems. As the pace of life is speeding up, work stress, family burden, urban pressure is more and more heavy, if retired, how to do, how can old worry free? As we all know, the social old-age security system has three pillars, namely social insurance, Enterprise annuity and personal commercial pension insurance. At present, many people have such a misunderstanding: I pay monthly social pension insurance, the future will not worry about retirement. Ping An insurance financial planner Tang Jingfen told reporters, if this part of the cost of living after retirement, only to maintain the standard of living below the average. Case: To 25 year old Wang, for example, now began to participate in socia