Pensions will rise, where are they higher?
In March, the majority of retirees ushered in the good news of rising pensions. After entering April, the Ministry of Human Resources and Social Security and the Ministry of Finance will likely announce the specific increase in pensions in 2024. What will be the increase this year? Which regions? The pension of corporate retirees is relatively high? Let's take a look at it today.
According to relevant statistics, in 2023, the per capita pension of enterprise retirees in all provinces across the country will be about 3,500 yuan, including retirees with flexible employment.
Through the above data, we can know that the areas with higher pension levels are Tibet Autonomous Region, Shanghai and Beijing, of which the per capita pension of Tibet Autonomous Region and Shanghai has exceeded 5,000 yuan, and the per capita pension of Beijing has reached more than 4,900 yuan. Followed by Qinghai Province and Zhejiang Province, the per capita pension has also exceeded 4,000 yuan.
The per capita pension level of Jilin Province, Hunan Province and Hainan Province is relatively low. Among them, Jilin Province occupies the bottom of the list with a per capita pension of 2,958 yuan, and it is also one of the only provinces in the country with a pension of less than 3,000 yuan.
Therefore, through the above data, we can know that Beijing and Shanghai have developed economies, Tibet and Qinghai have relatively high pension levels due to policy support, while the pension levels of enterprise retirees in Jilin, Hunan and Hainan provinces are relatively low.
Is a pension of more than 5,000 yuan considered high?
Through the above data on the per capita pension of various provinces in the country, we can know that the only areas with per capita pension exceeding 5,000 yuan are the Tibet Autonomous Region and Shanghai. Therefore, when the personal pension exceeds 5,000 yuan, it is already a relatively high pension amount.
We narrowed the scope of pensions from the whole country to the whole province, due to the differences in the economic level of each region and the impact of the number of years of individual contributions, the amount of contributions, the pension level of retirees between the same provinces is also quite different.
Here is a case to share with you: In 2022, Zhengzhou City has announced the average basic pension of retirees from government agencies, institutions and enterprises, of which the basic pension of retirees in government institutions and institutions is more than 5,400 yuan, while the pension of enterprise retirees is only more than 3,500 yuan.
Due to the particularity of the policy, the pension of retirees in public institutions is generally higher than that of retirees in enterprises. However, we simply analyze the pension of corporate retirees, which includes flexible employees.
Here I have to mention a real value: the general pension of flexible employees after retirement is about 1000 yuan ~ 1200 yuan. Some people say why is it so low! Flexible employees pay their own fees, paying more than 10,000 yuan a year.
However, only 40% of this is included in the personal pension account, and the payment time of most flexible employees is 15 years, that is, the minimum payment level, so that the pension of flexible employees can only reach this value after retirement.
The pension of retired employees of private enterprises is generally about 2,500 yuan ~ 3,000 yuan, so those who have a pension of more than 5,000 yuan are a minority.
Generally speaking, a pension of 5,000 yuan needs to meet a number of conditions at the same time, such as the payment period needs to reach more than 30 years, and the balance of personal account is about 100,000 yuan.
To sum up, the pension has reached 5,000 yuan has been very high, in the increase in the participation of the pension, the level of its personal pension linked to the adjustment of the growth rate is also relatively high, so the pension gap between enterprise retirees has widened.
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