<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=2&sn=55e0cf403a3327c58f7dfcc77ea888c8&chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsE5bu0B5zL5e3lxzc1m1pWcwKc5z1Z1LiadYYFuVTRaYicsgt0SpagI7vZAe1wsM7BrHbKbdgyicm9Q%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsE5bu0B5zL5e3lxzc1m1pWcwKc5z1Z1LiadYYFuVTRaYicsgt0SpagI7vZAe1wsM7BrHbKbdgyicm9Q/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span><span style="text-align: justify"></span></section><section ><br /></section><section ><span >学海无涯，一期一会。</span></section><section ><span ><br /></span></section><section ><span >今天聊聊怎么让养老金收益最大化。<span ></span></span></section><section ><span ><br /></span></section><section><mpvideosnap></mpvideosnap></section><section style="color: rgb(34, 34, 34); text-align: center"><span style="color: rgb(136, 136, 136)">不方便看视频的朋友可以看文字版</span><span style="color: rgb(136, 136, 136)">👇</span><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><span >--文字版--</span></section><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><section powered-by="xiumi.us" style="text-align: left"><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">国内灵活就业者（<span style="color: rgb(51, 51, 51); text-align: justify">即自由职业，没有固定的工作单位的人</span>）约有2亿人。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">保姑接下来要讲的是灵活就业者，自由职业者，没有单位给你交养老金，怎么增加退休金的问题。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">灵活就业者，有干自媒体的博主，年入百万；也有打零工的小哥，上顿不接下顿。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">收入水平分化很严重，但对于没有工作单位的他们，<strong>怎么交社保，怎么拿退休金，怎么养老</strong>，是他们共同的难题。<br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">所以今天给大家整点儿硬的，教你怎么样去交社保，让我们的养老金最大化。 </span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">首先吃一颗定心丸，国家的基础养老保障体系也不会把大家放在外面不管。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"></span><span style="color: rgb(51, 51, 51); text-align: justify">灵活就业者可以在当地的社保中心，自己给自己交灵活就业养老保险。</span><br /></section></section><section powered-by="xiumi.us" style="text-align: left"><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">缴费档次也是可以自己选择的，从60%到300%，</span><span style="color: rgb(51, 51, 51); text-align: justify">那我们到底是交哪个档次最划算呢？</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">接下来的数据，是人社部官方网站试算出来的结果，</span><span style="text-align: justify; color: rgb(51, 51, 51)">有兴趣的朋</span><span style="text-align: justify; color: rgb(51, 51, 51)">友可以拿我的数据上去自己算算看。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section></section><section style="color: rgb(34, 34, 34); text-align: left"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBnhiaObtnxL6vhZ0hmngFDG35OqGyegs6P5woyMY3BxZUxW8APfiaSjatpcyC8WKNWRwKUnFAWOQiag%2F640%3Fwx_fmt%3Dpng%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBnhiaObtnxL6vhZ0hmngFDG35OqGyegs6P5woyMY3BxZUxW8APfiaSjatpcyC8WKNWRwKUnFAWOQiag/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></section></section><section powered-by="xiumi.us" style="color: rgb(34, 34, 34); text-align: left"><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">进入正题，假设我今年30岁，所在的城市的平均工资是6000，准备55岁退休，我要从30岁开始缴纳社保，一直缴15年。</span><br /></section></section><section powered-by="xiumi.us" style="color: rgb(34, 34, 34); text-align: left"><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">这个时候呢，我可以选择缴费基数是60%，100%和300%。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">但是我算了一圈之后，看出一个很大的破绽，</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="text-align: justify; color: rgb(33, 89, 103)">就是你交的越多，反而回本的速度越慢。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">60%档，领4.9年就回本了，300%档，要领14.3年才回本。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section></section><section style="color: rgb(34, 34, 34); text-align: left"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBnhiaObtnxL6vhZ0hmngFDGQU9tEibDTHTMrKLYwR7yVbRRb9Fog7LD07AfHO5Jlv5U2UzoyOyuuRQ%2F640%3Fwx_fmt%3Dpng%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBnhiaObtnxL6vhZ0hmngFDGQU9tEibDTHTMrKLYwR7yVbRRb9Fog7LD07AfHO5Jlv5U2UzoyOyuuRQ/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></section></section><section powered-by="xiumi.us" style="color: rgb(34, 34, 34); text-align: left"><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">第二个结论，</span><span style="text-align: justify; color: rgb(33, 89, 103)">越早交滚动的收益就越高</span><span style="color: rgb(51, 51, 51); text-align: justify">。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">30开始交15年，你退休可以每个月领到2428元，</span><span style="color: rgb(51, 51, 51); text-align: justify">你40岁才开始交，同样交15年的话，你就只能领到1745元了。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">交一样多钱，养老金却打了个七折。</span></section></section><section style="color: rgb(34, 34, 34); text-align: left"><section ><br /></section></section><section powered-by="xiumi.us" style="color: rgb(34, 34, 34); text-align: left"><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">第三个结论，</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="text-align: justify; color: rgb(33, 89, 103)"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="text-align: justify; color: rgb(33, 89, 103)">如果我们把缴费周期从15年拉长到25年，你多交了十年的钱，相当于多交40%的本金</span><span style="color: rgb(51, 51, 51); text-align: justify">。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">算出来交15年的话领到手的退休金是3247元，交25年的话领到手的退休金是3847，只提高了18%，你觉得这样划得来吗？</span></section></section><section style="color: rgb(34, 34, 34); text-align: left"><section ><br /></section></section><section powered-by="xiumi.us" style="color: rgb(34, 34, 34); text-align: left"><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">“这...好像不划算嘛”</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">而且回本的速度还慢了2年半。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">这就神奇了，虽然我们都知道，多交多得，长交多得。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">但是根据这个算法的设置，交的档次越高，回本时间越慢，交的时间越长，反而拉低了总的收益率。</span><br /></section></section><section powered-by="xiumi.us" style="color: rgb(34, 34, 34); text-align: left"><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">所以，怎么办呢？ </span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><strong><span style="color: rgb(51, 51, 51); text-align: justify">第一，灵活就业社保方面，我建议</span><span style="color: rgb(51, 51, 51); text-align: justify">不管你赚的多还是少，可以选择按照100%档来交。</span></strong></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">既平衡了回本速度，又能够保证领到平均水平的国家养老金。</span><strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></strong></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><strong><span style="color: rgb(51, 51, 51); text-align: justify">第二，添加确定收益的商业养老保险，主动出击，强制储蓄。</span></strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">为什么这样会更划算呢？</span><span ></span></section></section><section powered-by="xiumi.us" style="color: rgb(34, 34, 34); text-align: left"><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">按照100%档，6000作为基数，每个月交费1320，到时候领取基础养老金是2400。</span><span ></span></section></section><section powered-by="xiumi.us" style="color: rgb(34, 34, 34); text-align: left"><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">如果提高到300%档，每个月要交费3960多块钱，但是到时候领取基础养老金只上涨了900多块钱，</span><span style="color: rgb(51, 51, 51); text-align: justify">明显是不划算的。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><strong><span style="color: rgb(51, 51, 51); text-align: justify">既然多交2640块钱给社保不划算，咱们就换个思路自己去处理这笔钱是不是可以提高退休金呢？</span></strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">大家可千万不要小看每个月这2640多啊，15年下来，那可就是50万的本金呢！</span></section></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">我们随便拿一款产品，50万的本金分15年放到一款商业养老金里面，到55岁的时候啊，每个月就可以领到<strong>3952</strong>的退休金。</span><span ></span></section><section style="color: rgb(34, 34, 34); text-align: left"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBnhiaObtnxL6vhZ0hmngFDGzrxet3qCStJFS7VB8klZnPogeHaAiayskh0PUaEXqFibGgGqiasBjPZUw%2F640%3Fwx_fmt%3Dpng%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBnhiaObtnxL6vhZ0hmngFDGzrxet3qCStJFS7VB8klZnPogeHaAiayskh0PUaEXqFibGgGqiasBjPZUw/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></section></section><section powered-by="xiumi.us" style="color: rgb(34, 34, 34); text-align: left"><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">一年多领4万7，没有对比就没有伤害，而且这笔钱能一直领到去世。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">如果活到105岁，这个时候50万呢，就变成了235万，是本金的4.7倍。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">就算不看那么远，算到85岁，我们累计领取也已经达到了142万，到了2.8倍的本金。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">这就是秘诀，<strong>一边以100%的基数缴纳社保，一边拿出从社保里省下来钱，做一份商业养老金储</strong><strong>备</strong>。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">趁年轻赚钱容易，有能力的时候多存一点。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">尤其是养老金，最后跟别人花同样的钱，却领到了双倍的养老金。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">退休后每个月，小1万到账，那养老生活就滋润的不得了了。 </span></section></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">不过，心动归心动，但也不要冲动办事儿，商业养老金还是比较复杂的，一不小心，可能会选错产品。</span><br /></section><section powered-by="xiumi.us" style="color: rgb(34, 34, 34); text-align: left"><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">比如有很多商业养老金，没有保证领取20年的条款，那就会有一个早年身故亏钱的隐患。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">要避开</span><span style="color: rgb(51, 51, 51); text-align: justify">这种有问题的产品，一旦选错就是一辈子，还是要谨慎一些。</span></section></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">我是保姑，我一直在专注研究所有的养老金产品，如果需要可以找我，应该能给你一些建议。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><p style="color: rgb(34, 34, 34); text-align: center"><span ><strong ><span ><span >【<span >理财+养老+保险</span>】</span> 1对1咨询绿色通道</span></strong></span></p><p style="color: rgb(34, 34, 34); text-align: center"><span >直接识别下方二维码</span></p><p style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXun3PB3sBCsPbXSqOflbzkJPTr4GlZqmmP611AJicrwvyXeRc5ApZLibWUMoB6QmbrcYm6HtrQzbfia6A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXun3PB3sBCsPbXSqOflbzkJPTr4GlZqmmP611AJicrwvyXeRc5ApZLibWUMoB6QmbrcYm6HtrQzbfia6A/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><p style="color: rgb(34, 34, 34); text-align: center"><span >添加保姑团队专业咨询老师</span></p><p ><span ></span></p><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section ></mp-common-profile></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span > <span style="color: rgb(136, 136, 136)">点击阅读原文，</span></span><span style="color: rgb(136, 136, 136)">查看</span><span style="color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</span></section><section style="text-align: left"><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点个<span style="color: rgb(33, 89, 103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section>
