#众说财经: New Opportunities in the Age of Longevity #In the age of longevity, pensions will become increasingly indispensable. On October 27, the Ministry of Human Resources and Social Security held a press conference, bringing us three good news about pensions, one rising, one increasing in value, and one improving. Who will benefit from it?
<h1 class="pgc-h-arrow-right" > first, pensions rose. </h1>
At present, the basic pension includes the pension of employees and the pension of urban and rural residents.
Employee pensions have achieved 17 consecutive increases this year, an increase of 4.5%, 127 million retirees have enjoyed the increase in pensions, and the rising pensions have long been reissued in place.
In addition to the rise in employee pensions, although the basic pension of urban and rural residents does not rise uniformly every year, many provinces have also raised the basic pension of urban and rural residents this year.
According to the data released by the Ministry of Human Resources and Social Security, since the beginning of this year, a total of 16 provinces have increased the basic pension of urban and rural residents.
Which 16 provinces? Shanghai, Beijing, Tibet, Zhejiang, Jiangsu, Guangxi, Inner Mongolia, Ningxia, Xinjiang, Jiangxi, Gansu, Jilin, Shandong, Hubei, Anhui and Hainan, a total of 72.09 million elderly people have enjoyed the increase in basic pensions.
How much has it risen? The maximum increase of 100 yuan, this is Shanghai, Shanghai's urban and rural residents' basic pension rose from 1100 yuan to 1200 yuan, this level is also the first in the country.
The second place is Beijing, where the basic pension for urban and rural residents has been raised to 850 yuan per month.
Some elderly people may ask, why hasn't their province increased the basic pension for urban and rural residents? The reasons are also multifaceted, it may not be time to adjust, because the basic pension of urban and rural residents is not adjusted every year, and many places are adjusted once every two or three years.
Regardless of whether the amount of the increase is more or less, at the moment when the price of vegetables is more expensive than the price of pork, the money in hand has become more, and it can also offset the impact of rising prices to some extent.
<h1 class="pgc-h-arrow-right" > second, pension appreciation. </h1>
As we all know, the money in the pension insurance fund is not lying in the account to sleep, but also in the investment operation to seek self-preservation and appreciation.
The Ministry of Human Resources and Social Security announced a good news, as of the end of September, the national basic pension insurance fund entrusted investment contract size of 1.25 trillion yuan, the amount of 1.1 trillion yuan.
That is to say, there are currently 1.1 trillion yuan of pensions that are trying to make money.
The specific investment and operation of the institution is the National Social Security Fund Council, the investment experience is very rich, the record is also very eye-catching, the return on investment in 2020 is more than 10%.
With the continuous self-preservation and appreciation of pensions, more and more money, pensions are issued on time and in full. So this good news benefits all the insured.
<h1 class = "pgc-h-arrow-right" > third, the personal pension system is poised to develop. </h1>
The third piece of good news is about personal pensions. The Ministry of Human Resources and Social Security said that the next step is to formulate opinions to promote the development of personal pensions and study the introduction of supporting policies.
That is to say, the personal pension system, as the third pillar of pension insurance, is already ready to go, and the arrow is on the string.
Not long ago, the director of the Pension Insurance Department of the Ministry of Human Resources and Social Security publicly stated at the Financial Street Forum that the personal pension system intends to adopt a personal account system, and savings deposits, bank wealth management, commercial pension insurance, public funds, etc. that meet the regulations are used as personal pension products.
The personal account value means that no pooled account will be set up, only a personal account. Individual pension will be a perfection of the current pension insurance system, but also a short board.
Because now with the upgrading of residents' income and consumption, the demand for old-age and health is increasing day by day, the introduction of personal pension will enrich everyone's pension choices, for people who have the ability to participate in personal pensions, the pension treatment will be more generous in the future, the guarantee will be more sufficient, because the personal pension will have the support of tax policies, so the beneficiary group will also be the personnel participating in the personal pension system, let us wait and see, look forward to the personal pension system as soon as possible to reveal the true face of Lushan.
The first time to learn more about the good news of pensions, welcome to pay attention to the thoughts, welcome to transfer these good news to more people to know. Welcome to the thumbs up! thank.