Now more and more people buy social security, but the popularity of social security was not big in the first few years, so many people didn't buy it. Now, how to make up for social security when they are 50? Is it necessary to buy social security when they are 50? Can we get a pension after one-time payment? Let's explore it next.
As we all know, after 15 years of continuous purchase of social security, you can get a pension after retirement. However, due to the monthly payment of social security, some people felt that the economy was relatively difficult, so they didn't buy it at that time. However, today's middle-aged people have more money on hand. At the same time, they are aware of the pension crisis after retirement. What should we do if we want to buy social security again? Can we make it up at one time?
It is understood that before this year, such a one-time payment is allowed. The state does not limit the age of people. As long as people who have not reached the retirement age want to pay the social security for 15 years at a time, it is OK. However, this year's situation is different. From 2019, people over 45 will no longer be allowed to make up one-time social security. In other words, it is impossible for people over 50 to make up one-time social security. Therefore, small partners who want to buy social security must understand the policies clearly to avoid losses.
In addition, many people are asking whether the one-time payment of social security is cost-effective. In fact, the one-time payment is a big expense. Some people have already calculated this point: suppose that before the age of 60, a lump sum social security payment of 90000 yuan will be made, and after retirement, a monthly pension of about 1300 yuan will be received, with an annual investment income of 4%.
About in the 11th year, that is, at the age of 71, you can go back to the original. Of course, the pension policies of different places are different, and the time to return the pension will be different.
However, it is certain that whether the supplementary pension is cost-effective depends on the life span of the insured. The longer you live, the higher the total pension you get, the more cost-effective it will be to make up for it;
Therefore, in order to protect your retirement life, it's better to pay social security. After all, social security still has various kinds of insurance, especially medical insurance, which may be of great use at ordinary times, and you can get a monthly pension after retirement, so you don't have to worry about the problem of pension.