In 2024, I will retire when I reach the statutory retirement age, and the monthly pension is about 5,000 yuan, what kind of income level is this? Isn't it low? In fact, in addition to the most basic pension, there may be some supplementary pension treatment, for example, during his employment, he participated in the occupational annuity or enterprise annuity, in this case you can get the corresponding supplementary pension treatment, that is to say, in addition to the social security pension, you can get an additional part of the treatment, but some people also count the occupational annuity, or the treatment of the enterprise annuity, which is just more than 5,000 yuan per month. In principle, this is not a very low retirement income.
In fact, we have to know a data, if you participate in the basic pension insurance in the past 15 years, and are insured according to the minimum payment index of 60%, then in fact, the initial pension treatment in the future is about 1,000 yuan, which is a very low level, and there are many people who may belong to such a pension, so in fact, the average pension for retirement from the enterprise unit is not very high, only more than 3,000 yuan. The reason is that individuals with less than 3,000 yuan may account for more than 50% of the population.
If we compare it like this, then in fact, a pension of 5,000 yuan is a relatively high income, even if you exclude your occupational annuity or enterprise annuity treatment, then your pension should be at least about 4,000 yuan, and 4,000 yuan of social security pension. It also exceeds most areas of the country, and the average pension in the country is only 3,500 yuan, so this is an upper-middle income, not a very low income.
Although according to today's prices, a pension of more than 5,000 yuan per month is not particularly high, and if you are not diligent and thrifty in life, you may be a little stretched in the consumption of life, if you add your lover, there is no stable pension, then two people together, the per capita pension retirement income is only about 2,500 yuan, of course, it is not particularly high, but we can only say that this problem is more than enough. You're still a lot better off than the vast majority of individuals who don't have a pension.
So this problem still has to be divided into two to look at, can not be one-sided, I think it is very good to be able to get a pension of more than 5,000 yuan per month, because many people after he retires, the most basic pension of 5,000 yuan is difficult to achieve. As long as you retire and plan your consumption expenses reasonably and save money, then I believe that you can still maintain your most basic life, even if you live in the city, you may have great economic pressure, but as an elderly person, there is no problem with reasonable planning. And such a pension is not particularly low, with the growth of their retirement age, your pension treatment will only be higher and higher in the future, and life will only get better and better.
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