Alipay has recently launched a universal life endowment insurance system. We all know that social security is a kind of social insurance promoted by the national social security department for the purpose of security, which is more of a kind of welfare nature of social insurance. So is Alipay endowment insurance reliable? Does it have any impact on our social security? Let's have a look. Is Alipay endowment insurance reliable?
At present, the mainstream increment life insurance is the compound interest increment of 3.5% determined by the contract, and the increment speed is very fast. A 30-year-old man pays 10000 yuan at one time. If he doesn't get the cash value of his account at the age of 80, it will reach 53636 yuan,
If you start to receive 1000 yuan a year at the age of 60, and get 21000 yuan in total at the age of 80, the cash value of the account will be 23582 yuan, two principal will be spent, and more than two principal will be spent.
Does it have any impact on our social security? From another point of view, the commercial endowment insurance is equivalent to an investment behavior. However, this investment behavior is relatively special, because the return you get is lifelong, so it is relatively special, but it does not belong to the category of social security.
So there is no influence on the social security we usually pay. Of course, we can't pay two copies of the social security we usually pay. That is to say, if you work, your work unit will take the initiative to pay the social security for you. One advantage of the tax reform in 2019 is that we start to pay the social security according to our own wage standard For example, if you didn't pay social security according to the wage standard before, it is likely that you will pay social security according to the minimum standard of 60%. In fact, there will be a certain loss for you. The basic pension treatment you get is relatively low.
From this year's 2019, if you pay social security according to your own salary standard, for example, if your salary is 10000 yuan a month, then the social security payment base will be increased to 10000 yuan correspondingly. With such a standard, the pension treatment you get will be improved in the end, so you will benefit from it 。
Similarly, we can invest in this commercial endowment insurance. There is no problem. As long as your personal financial ability allows, there is no problem for you to buy it for 10 or 20 years. Of course, the more you buy this commercial endowment insurance, the higher the investment return you will get. This is also a positive result The relationship between the two sides.