When it comes to pension, this is a topic that each of us can't avoid.
Especially now, the elderly population is increasing year by year, and the matter of old-age care is no longer just a family issue, it is gradually becoming the focus of attention of the whole society.
When it comes to pensions, it is impossible not to mention pensions.
For those who are retired or about to retire, their pension is the most anticipated income each month.
So, how will pensions change in 2024?
2024 pension adjustments
In recent years, every time pension is mentioned, it always arouses heated discussions.
After all, in the context of the continuous improvement of the economy, everyone hopes that their pension can rise.
Someone came up with the idea:In 2024, can we make differentiated adjustments to pensions?
To put it simply, it is to give more money to people with less pensions, and no longer increase it to people who have already had a lot.
But is the idea really viable?
It is not groundless to want to raise pensions.
You see, places like Henan and Shanghai have made it clear that they want to increase the pension benefits of retirees.
Behind this, of course, there is their "confidence".
First, our economy is growing steadily.
In 2023, China's economic growth rate will reach 52%, which provides a solid basis for the increase in pensions.
Second, everyone's pockets are bulging.
As the economy recovers, our incomes and wages are rising. This means that pensions for retirees are also expected to rise.
Third, there is an important "confidence" is our pension insurance.
According to the latest data, the cumulative balance of the national enterprise employee pension insurance has reached an astonishing 6 trillion yuan!
Such a large sum of money, of course, can provide strong support for the increase in pensions.
Is it really feasible to make differentiated adjustments?
I saw someone on the Internet suggesting:Below 3,000 yuan will be raised by 9%, and above 7,000 yuan will not rise.
Is this possible? While the idea of differentiation is great, it can be problematic in practice.
On the one hand, this adjustment method may violate our long-standing pension increase principle, that is, "pay more and pay more, pay more for a long time".
If a person's pension is no longer raised because it is already very high, then who is willing to pay more pension insurance?
On the other hand, this adjustment may also lead to a phenomenon of "adverse selection".
To put it simply, everyone may deliberately choose to pay less or stop paying pension insurance in order to obtain a higher pension increase.
In this way, our pension insurance system can be messed up, and the balance of income and expenditure of pension insurance is not broken?
Conclusion
Therefore, pension adjustment is really not child's play.
When formulating the plan, the relevant departments should follow several principles:
The first is the principle of fairness, which must ensure that every retiree can enjoy the benefits of pension increases fairly;
The second is the principle of sustainability, which cannot affect the long-term stable operation of the pension insurance system because of temporary adjustments;
The third is the principle of incentives, which can be used to motivate everyone to actively pay pension insurance fees through a reasonable adjustment mechanism.
However, the possibility of a pension increase in 2024 is still quite high.
But how to adjust it needs to take into account many factors.
For example, will our economy continue to grow? Will the balance of pension insurance** be enough to support the increase? Also, what are the actual needs of retirees?
These are all issues that relevant departments need to seriously consider when formulating pension adjustment plans.
Of course, whatever the final adjustment plan is, I want it to be as fair and sustainable as possible.
After all, pension is a problem that each of us will face, and pension is almost the only guarantee for life in old age.
What do you think? The New Year is coming soon, and I wish you all good health, family harmony and all the best in the new year!
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