We all know that pension is a topic that everyone is concerned about, but there is a huge difference in the level of pension, some people can get a few thousand yuan, some people can only get a few hundred yuan, and even some people do not have a pension. So, do you know who can get a pension of more than 5,000 yuan? What kind of category do you fall into? This article will reveal for you the three types of people who can enjoy a pension of more than 5,000 yuan, and how to improve the level of personal pension methods and suggestions. 
There are three categories of people who can enjoy a pension of more than 5,000 yuanThe composition of the pension is mainly divided into three parts, namely the basic pension, the personal account pension and the enterprise annuity or occupational annuity. Different groups of people, according to their work nature, income level, payment years and other factors, enjoy different levels of pensions. So, what are the three categories of people who can enjoy a pension of more than 5,000 yuan? Let's take a look at the data and the experts' perspectives. Category 1: Retirees of government agencies and institutionsThe pension level of this group of people is the highest, with an average of about 6,000 yuan per month. The main reason is that their basic pension is relatively high, and there is no gap in the pension of personal accounts. The basic pension is determined according to the salary level at the time of retirement and the number of years of contributions, which is generally 60% to 75% of the salary. The personal account pension is determined based on the accumulation of individual contributions and investment income, which is generally 12%~1.5%。
Because the salary level of organs and institutions is relatively high, and there is no gap in personal account pensions, their basic pensions are relatively high. For example, if a retired senior teacher's retirement salary is 10,000 yuan, then his basic pension is 7,500 yuan, and his personal account pension is 0 yuan, so his total pension is 7,500 yuan. The second category: high-income enterprise employeesThe pension level of this group of people is also relatively high, and they can get an average of about 5,000 yuan per month. The main reason is that their personal account pension is relatively high, and there is a supplement to the enterprise annuity or occupational annuity. The personal account pension is determined based on the accumulation of individual contributions and investment income, which is generally 12%~1.5%。Because the payment base of high-income enterprise employees is relatively high, and the payment period is relatively long, their personal account pension is relatively high. For example, if a retired senior manager, if his contribution base is 20,000 yuan, then his personal account pension is 300 yuan. 
Enterprise annuity or occupational annuity is an additional pension, which is set up by the enterprise or industry independently, and is generally paid according to 8% to 12% of the salary, and can be received according to a certain proportion when retired. Because the salary level of high-income enterprise employees is relatively high, and there is a supplement to the enterprise annuity or occupational annuity, their pension level is relatively high. For example, if a retired senior manager's salary is 30,000 yuan, then his enterprise annuity or occupational annuity is 3,600 yuan, so his total pension is 3,900 yuan. Category III: Retirees in special tradesThe pension level of this group of people is also relatively high, and they can get an average of about 5,000 yuan per month. The main reason is that they have a relatively low retirement age and have a special pension policy. Retirees in special industries mainly refer to some high-intensity, high-risk, and high-tech industries, such as soldiers, police, teachers, doctors, miners, etc. The retirement age in these industries is generally 5 to 10 years lower than the ordinary retirement age, and there are some special pension policies, such as enjoying a certain pension growth rate, pension subsidies, pension preferential treatment, etc. Because the retirement age of retirees in special industries is relatively low and there is a special pension policy, their pension level is relatively high. For example, if a retired soldier is 50 years old, then his pension is 4,000 yuan, and there is a certain pension growth rate and pension subsidy every year, so his total pension is about 5,000 yuan. 
How to increase the level of personal pensionsIf you don't fall into any of these three categories, your pension level may not be very high and may not even be enough for your retirement needs. So, is there a way you can increase your personal pension level? Of course, as long as you take some reasonable methods and suggestions, you can increase the composition and income of your pension. Let's take a look at the data and the experts' perspectives. Method 1: Increase the individual payment base and payment periodThis is the most straightforward and effective method, as well as the easiest to implement. Increasing the individual payment base and payment period can increase the accumulation and receipt of personal account pensions. The personal account pension is determined based on the accumulation of individual contributions and investment income, which is generally 12%~1.5%。So, if you make an extra monthly pension contribution or extend the number of years you have to pay, you can increase the amount of your personal account pension. For example, if you pay an extra $100 per month, you can receive an extra $40 per month, and if you extend your contribution period by 5 years, you can receive an extra $200 per month. 
Method 2: Participate in the enterprise annuity or occupational annuityThis is an additional pension, which is set up by the enterprise or industry independently, and is generally paid according to 8% to 12% of the salary, and can be received according to a certain percentage when retired. Participating in an enterprise annuity or occupational annuity can increase the supplement and security of the pension. The advantage of enterprise annuity or occupational annuity is that it is not subject to social pensions, and can be flexibly invested and operated according to market conditions, so as to improve the rate of return of pensions. For example, if you pay 500 yuan per month for an enterprise annuity or occupational annuity, then you can receive an additional 200 yuan per month for a pension. Method 3: Make personal investments and manage your financesThis is an active pension, which is carried out by the individual himself, generally selected according to the individual's income and risk appetite, and can be used according to the individual's needs when retiring. Personal investment and financial management can increase the income and reserves of the pension. The advantage of personal investment and financial management is that it can be carried out according to the interests and abilities of the individual, and it can be carried out using a variety of financial instruments and channels, so as to improve the yield and security of the pension. For example, if you deposit $1,000 a month, you can receive an extra $50 per month in pension. 
Summary and outlookI hope this information will be helpful to you, so that you can better understand the composition and influencing factors of pensions, and also make you pay more attention to your pension planning and management. With the intensification of population aging and changes in the economic environment, China's pension system is also constantly being reformed and optimized. In the future, we may see more policies that are conducive to raising pension levels and ensuring the quality of life in retirement. For example, improve the replacement rate of pensions, optimize the investment and operation of pensions, and so on. At the same time, with the progress of society and the development of technology, individuals also have more opportunities to prepare for their retirement life through diversified investment and financial management methods. This means that in the future, each of us can have more control over our pension level. Life is impermanent, pension is indispensable, let's start now and prepare for our future! Thank you for reading this article, and if you find this article useful to you, you are welcome to like, comment, and share it so that more people can benefit. February** Dynamic Incentive Program