Endowment insurance is the basic guarantee after retirement, but why do young people not care now? Is endowment insurance useless? Why don't young people want to pay endowment insurance now?
Most young people are neutral about endowment insurance. They think it's OK to pay, and it doesn't seem to matter if they don't. Some young people even think that they need to deduct their salary when they pay endowment insurance. I have no spare money to pay endowment insurance.
What makes young people indifferent to pension insurance?
1. Young people with ordinary income
It doesn't matter to the old-age insurance. I don't think it will affect me if I don't pay the old-age insurance. If I don't pay the old-age insurance, the company will deduct less salary every month. Below we can see the details of Beijing's minimum base social security:
Individual annual expenses: 348.2 * 12 = 4178.4 yuan
In the final analysis, one word is "poor".
Young people's life pressure is too great. They need to support their families, repay their house loans and car loans... Imagine that they have to worry about rent every month. How can they pay for endowment insurance? Solve the problem of food and clothing first, and then talk about endowment insurance. Contemporary young people think that it's 40 or 50 years later to provide for the aged, and then talk about providing for the aged when they are young.
Social pressure makes young people dare not think about the matter of providing for the aged. What they care more about is how much salary they can get every month, and how much rent they need next month? Can car loan and house loan be paid back?
2. High income group
I don't think I need endowment insurance at all. Anyway, I have money. Why should I pay endowment insurance?
I can do investment and financial management for the surplus money. The investment period of endowment insurance is too long. Because the salary of high-income people is relatively high, there are a lot of personal contributions of endowment insurance paid by the unit every month. It's not cost-effective to deduct so much money every month. It's better to take it for investment. The period is short and the income is high. In the future, we can rely on money to provide for the aged.
3. farmers
I don't want to pay, but I can't afford it!
Young people in rural areas also want to pay for endowment insurance. When they retire, they get a high pension. However, young people living in rural areas have no unit to pay for their endowment insurance. Even if they pay for it, they can only pay for it in full. In rural areas, it's very difficult to make money. What they want to get for endowment insurance is to pay several thousand yuan a year. There are old people on the top, small people on the bottom, and one who lives in rural areas Young people can't afford endowment insurance at all.
Is endowment insurance really dispensable?
Endowment insurance is not optional. Maybe young people are still young and can't realize the benefits of endowment insurance. But we can ask the parents' generation if there is any difference between endowment insurance and no endowment insurance?
Parents will surely tell you that those who paid endowment insurance for the same age now have a comfortable life. Even if they don't go out to work, they still have a pension to spend every month, and don't have to rely on their children to live!
Below is the national enterprise retirees' monthly average pension ranking, let's have a look!
People who have not paid endowment insurance, if their family conditions are relatively rich, they will have a good life after retirement. After retirement, their uncles and aunts in ordinary families will have a lot of pressure. They don't want to rely on their children without pension. After all, their children's life pressure is also great. Even when they reach the retirement age, they dare not retire and can't retire!
Or call on everyone to pay attention to endowment insurance. In the future, I don't know what will happen. Paying endowment insurance is to save a guarantee for my future!