After retirement, many elderly people feel that their pension level is low. Although it is not enough to spend, it seems that the income has dropped a lot relative to when I was in office. A netizen asked, if there is only a monthly pension of 3500 yuan left after retirement, is it considered poor?
In fact, if you can get a pension of 3500 yuan per month, you are definitely not poor. We can analyze this problem from two aspects, first of all, what kind of income is counted as poor, and then what is the average pension level in our country?
< h1 class= "pgc-h-arrow-right" > what kind of income counts as poor? </h1>
I believe that individuals are also tongue-in-cheek, and there is no uniform standard. From a national perspective, per capita disposable income can effectively reflect a person's income level. In 2020, the per capita disposable income of residents nationwide was 32,189 yuan, of which the median income distribution was 27,540 yuan.
The median may be more reflective of where our income is, and if our family's per capita monthly income reaches 2295 yuan, which is the middle level in the country, it is certainly not poor. The monthly pension income is 3500 yuan, which is much higher than 2295 yuan.
In addition, according to the five-grade grouping of residents in China, the real poor are 20% of the low-income families whose per capita disposable income is only 7869 yuan.
In fact, our income is not only wage or pension income, according to the division of the National Bureau of Statistics, it is mainly divided into wage income, net operating income, net property income and net transfer income. Among them, pensions actually belong to the net income of transfer, and the wage income level accounts for about 55.7% of the total income level.
Therefore, the income level should still be comprehensive, if the per capita disposable income of the family reaches 3500 yuan, which is equivalent to an annual income of 42,000 yuan. The average number of high-income households in the fourth group, which belongs to the income level, exceeds at least 70% of households.
<h1 class="pgc-h-arrow-right" > what is the average pension level in China? </h1>
In June this year, Zhang Jinan, minister of the Ministry of Human Resources and Social Security, wrote an article proposing that the pension level of retirees in China's enterprises has increased from 1686 yuan in 2012 to about 2900 yuan in 2020, and the pension treatment level of retired elderly people is indeed getting higher and higher.
According to the statistical communiqué on the development of human resources and social security in 2020, as of the end of the year, a total of 127.62 million retirees in China had spent 5,130.1 billion yuan on pension insurance funds, with an average of 3,350 yuan per person per month.
In fact, like the heating fees issued in winter in some areas, funeral subsidies and pensions after the death of the insured, etc., also belong to the category of pension insurance funds, each person's monthly pension does not include these, and the actual per capita pension level is around 3,000 yuan.
The monthly pension of 3500 yuan also exceeds at least 70% of retirees. However, this does not represent all the elderly. China also has urban and rural residents pension insurance, the number of treatment recipients at the end of 2020 is 160.68 million people, pension insurance fund expenditure of 335.5 billion yuan, per capita monthly pension.
Therefore, the retirement pension of many elderly people is less than 3500 yuan, and there are at least more than 90% of the elderly who have such a pension. In the country, it is definitely not a low-income group, let alone a poor person.
If we feel that the pension income level of 3500 yuan per month is still low, we can go to work again and earn an extra salary, so that the income can also go up.