As the saying goes, "the old have something to rely on, the old have to take care of", once people enter old age, in addition to the family's dependence, they also need to have a certain economic ability, which is an important prerequisite for life and health diseases. If you want to live happily in old age, it is extremely important to have a stable pension.
With the development of society, people's cost of living is increasing, the problem of pension will be paid more and more attention to everyone, many people are worried about whether the pension will face more serious problems in the future, but also worried that their pension will become less and less. However, at the press conference held by the Ministry of Human Resources and Social Security in the first quarter of 2024, the main progress of human resources and social security work in the first quarter of 2024 and the next steps were announced.
First, the number of insured people has increased
According to the statistics of the Ministry of Human Resources and Social Security, as of March this year, the number of people participating in the basic pension reached 1.07 billion, an increase of 14.34 million year-on-year.
With the significant increase in the number of insured people, this is undoubtedly excellent news for the pension system. The increase in the number of participants means an expansion of the contribution base, which in turn provides a more solid source of income for the pension fund. The increase in fund income not only makes the fund reserves more sufficient, but also provides a strong guarantee for the timely and full payment of pensions. Looking forward to the future, the scale of the pension insurance fund will continue to expand, providing strong support for the long-term stable operation and sustainable development of the pension insurance system.
Second, the cumulative balance of the social security fund has increased
According to the Ministry of Human Resources and Social Security, from January to March, the total income of the three social insurance funds was 2.2 trillion yuan, the total expenditure was 1.8 trillion yuan, and the cumulative balance at the end of March was 8.6 trillion yuan.
The three social security include endowment insurance, unemployment insurance, and work-related injury insurance, among the three, the balance of endowment insurance is the largest, almost 6 trillion yuan, which shows a problem, the foundation of endowment insurance is very rich, it can be described as wealthy. From another point of view, we don't have to worry about the distribution of pensions, maybe the more balance in the future, the increase in pensions will also increase.
Third, personal pensions have been fully launched
At present, personal pensions are implemented in 36 cities across the country, and by the end of 2023, 50 million people in the mainland have opened personal pension accounts, and this number will continue to increase with the further implementation and improvement of personal pensions in the later period.
The comprehensive promotion of personal pension is an important measure of the mainland pension insurance system, aiming to provide more comprehensive and multi-level pension security for the majority of workers. The implementation of this system means that individuals can voluntarily choose to participate in the personal pension plan on the basis of paying basic pension insurance, and accumulate pension funds through personal contributions and government subsidies to cope with the future.
Fourth, the scale of pension investment has increased
If you want the pension to maintain stable appreciation for a long time, then the investment and operation of the pension is extremely important, which is also to ensure that everyone's pension will not have hidden losses in the future. In this regard, the state is also increasing investment and operation in pensions, and as of 2023, the entrusted investment scale of pension insurance funds has reached 1.9 trillion yuan. The purpose of this is to make more and more pensions, so that the people have no worries.
Fifth, the national overall planning of the allocation of funds
This news is particularly important, the implementation of the national overall plan means that the pension insurance fund will be managed and dispatched nationwide, so as to effectively solve the problem of pension payment difficulties caused by the serious aging of the population and the relative lag of economic development in some areas. Through the national plan of overall adjustment of funds, we can ensure the balance of income and expenditure of pensions in various places and avoid the shortage of funds or excessive surpluses.
For provinces that need pension allocation, the implementation of the national overall plan means that more adjustment funds can be obtained, so as to ensure that there will be no problems in the distribution of pensions. This is of great significance for safeguarding the basic rights and interests of the elderly and maintaining social stability.
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