If you liked this article, please click "Follow" in the top right. Thank you for your support and encouragement, and hope to bring you a comfortable reading experience.
Pensions are our main source of income after retirement. It can provide us with basic living security when we are old, so that we do not have to worry about poverty and hardship.
It is like a security for us in old age, allowing us to enjoy dignity and happiness in retirement.
But, did you know that pensions are not the same, they have their own gaps and inequalities. Some people's pensions are high, some people's pensions are low, some people's pensions are up, and some people's pensions are not.
These disparities and inequalities can affect our quality of life and well-being.
So, how many disparities and inequalities are there in pensions, how are they formed, and what impact do they have on our retirement lives? Let's take a look.
First, there are high and low pensions, you must know
The level of pension is the issue we are most concerned about. We all hope that our pension can be a little more, to be able to meet our living needs, and to be able to enjoy our retirement.
However, the level of pension is not determined by ourselves, but by a variety of factors.
The calculation method of pension is determined comprehensively according to our contribution period, payment base, contribution ratio, average salary, replacement rate and other factors.
Different calculations may result in different pension levels.
Generally speaking, there are two ways to calculate pensions, one is calculated according to the percentage of the paid salary, and the other is calculated according to the accumulation of contribution points.
The former is more applicable to the employees of enterprises, and the latter is more applicable to the personnel of government agencies and institutions. Due to the difference in contribution wages and contribution points, it may lead to a difference in pensions.
The adjustment method of pension is determined according to our retirement time, retirement age, retirement type, retirement region and other factors.
Different adjustment methods may lead to different pension increases.
Generally speaking, there are two ways to adjust pensions, one is adjusted according to a fixed ratio, and the other is adjusted according to a floating ratio.
The former is more applicable to the personnel of government agencies and institutions, and the latter is more applicable to the employees of enterprises. Due to the difference between the fixed and floating scales, it may lead to a difference in pensions.
The payment method of pension is determined according to our insurance type, insurance area, insurance unit and other factors.
Different payment methods may result in different pension protections.
Therefore, when understanding your pension, you should pay attention to your pension calculation, adjustment and payment method, which will affect the level of our pension.
Second, there are ups and downs in pensions, you have to pay attention
The rise and fall of pensions is the most anticipated issue. They all hope that their pensions can rise a little and keep up with the growth of prices.
However, the rise and fall of pensions is not determined by ourselves, but by a variety of factors.
The pension adjustment policy is formulated according to the country's economic development, social security, population aging and other factors.
Different adjustment policies may lead to different pension increases. Different adjustment standards may lead to different pension increases.
The adjustment range of the pension is determined according to our retirement time, retirement age, retirement type, retirement region and other factors.
Different adjustment ranges may lead to different pension increases.
Therefore, when paying attention to your pension, you should pay attention to your pension adjustment policy, adjustment standards and adjustment scope, which will affect the rise and fall of our pension.
Third, the pension has an impact, you have to think
The impact of pensions is our most important issue.
We all hope that our pension can have a positive impact on us, can improve our quality of life and happiness, and can give us our own value and meaning after retirement. However, the impact of pensions is not single, but multifaceted.
When thinking about your pension, you should pay attention to the economic, social and psychological impact of your pension, which will affect the quality and meaning of our retirement life.
epilogue
Pension is our security in old age, but there are gaps. These disparities can make us feel unfair and dissatisfied, and they can also affect our quality of life and well-being.
In short, there is a gap in pensions, but we can change it.
You can increase your investment income and investment channels by improving your awareness and ability to pay fees.
Adjust your consumption structure and consumption mode to change the pension gap and make your pension higher, higher and better.
Do you know that there is a gap in pensions? Welcome to leave a message in the comment area.