The pension paid by enterprises is what we often call social security. And endowment insurance belongs to commercial insurance, what does it mean? It means. The state allows ordinary people to eat and pay. And endowment insurance means that you are eating some meat when you eat. Obviously, social security belongs to social security institutions, not the state. Commercial insurance (endowment insurance) belongs to insurance companies. As for receiving social security (male should be 60 years old. Woman 55) What did you say?

After paying 5W, it is according to the national policy. I will never give up my money. The simplest example is that so many people are taught earlier than us. Are they all idiots As far as China is concerned, the trend of national development is excellent.

What you said about price appreciation and RMB depreciation. Let me explain to you: it is not appropriate for you to pay social security or endowment insurance now. Why? Because prices have been rising, right? I'm talking. Say the most obvious. This year is 20 10. Recall 1995. In this short period of 15 years, you can see the great difference now. What has changed? At that time, it was 100, and now it is 100.

As for whether to pay or not. My suggestion is to pay. Because everyone else is paying. You can at least guarantee that when others have money, you also have money. As you said, if it's not enough for the elderly. Relevant national policies will also come down. The development speed of China in the next 30-40 years may be even better. Maybe there will be free food then. (The biggest defect of endowment insurance and social security is to promise future protection with current interests. )

If you have any questions, add me and I'll tell you.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.