Kunpeng Project
The "Pension Scale" is divided into 6 levels, which level do you belong to? **The above is enviable.
Pensions appear in the news every year. This is mainly because our country has entered an aging society, and as we grow older, more and more elderly people pay attention to pension insurance.
Not only the elderly are concerned about pensions, but young people are also concerned about pensions and expect more freedom after retirement.
Due to the difference in the level of unit and individual contributions, there is a significant stratification of pensions in various industries.
Some data show that there are currently six levels of pension insurance in China. What level of person are you?
The first level: the elderly who receive a pension of more than 100,000 yuan per year.
Most of the pensions at this level are for some specific departments, such as senior leaders, senior experts, and senior professors, who are basically people who have made great contributions to the motherland. Seniors in this class can receive a pension of 8,000 to 10,000 yuan per month, making them the richest of the six groups. This reflects the respect and importance that a country and a society attaches to talented people.
The second level: retirees, whose annual income is 5,000 to 100,000 RMB.
The second level is institutional retirees, such as teachers and civil servants. They have a pension of 4,000-8,000 per month, which is relatively high, so many people have squeezed their heads into the system.
The third level: a retiree with an annual income of 30,000 to 50,000 yuan.
The third level of annuity is provided for general managers and technical personnel in the enterprise. There is a pension of 2,000 to 3,000 per month, which is considered the middle class. This grade is the minimum pension standard for most office workers, who can basically live comfortably without relying on others.
And the third and fourth orders, it is even more enviable, because most people only have the salary of the third order profession.
The fourth level: seniors who receive 1-30,000 yuan per year.
The fourth level of annuity is dominated by freelancers and freelancers. They have just retired, and they only have more than 1,000 yuan a month, which is relatively small. But over time, it can reach 2,000 yuan.
The fifth level: the elderly who receive a pension of 5,000-10,000 yuan per year.
The fifth level of the basic old-age insurance system is aimed at urban residents and residents in the urban-rural interface. They only have a pension of 400 to 800 yuan per month, which belongs to the low-income group. This is the most fundamental pension guarantee for urban people.
The sixth level: the elderly who receive a pension of less than 5,000 yuan per year.
The sixth level of pension is for farmers. The minimum pension of the new rural cooperative medical care ** is only a dozen yuan per month, which is the lowest among the six grades.
Through the comparison of the level of enterprise annuity of various grades, it can be seen that the level of enterprise annuity in China is very different. Take the pension with an annual income of up to 100,000 yuan and the pension of 5,000 yuan, the difference is more than 20 times.
It can be seen that under the current social pension insurance system in China, the pension insurance of the first organ is far from the pension insurance treatment of the general public.
What's going on? The contribution ratio of enterprise annuity is closely related to the unit where the employee works and the level of contribution of the employee.
As a public official or a high-level executive, their salary is already very high, and the higher the pension insurance paid in the five insurances and one housing fund every month, the higher their retirement pension will be.
Of course, the pension insurance system and policies are not the same in different places.
In some areas, relatively high allowances and bonuses are given to outstanding talents and senior leaders, so their pensions are also relatively high. However, such a difference can also make some ordinary people feel a little unjust.
* Pension reconciliation has been initiated to reduce income disparities.
In the future, it is necessary to continue to improve the social pension insurance system, achieve a balance in the basic pension level, reduce the differences between all levels of society, and ensure that every insured person can enjoy a fair and reasonable pension insurance.
In addition, it has also strengthened the supervision, management and reform of the enterprise annuity system, standardized the management of the circulation, distribution and operation of the enterprise annuity, prevented various risks, and ensured the sustainable development of the enterprise annuity system.
It will take time for China's basic old-age insurance system to achieve the goal of fairness, stability and sustainability.
Through the comparative analysis of China's six levels of pension insurance system, the conclusion of "high", "high", "high" and "less" is drawn.
At present, when formulating pension policies, China attaches importance to the special circumstances and needs of the general public and all kinds of people, and strives to provide them with more fair and reasonable pension security services.
In addition, in the future pension plan, we should also make sufficient savings and investment plans in advance, choose suitable pension products and services according to our actual situation, and make adequate preparations for our later life.