Let's talk about a matter today, about pensions. This is a topic of concern and headache for many people, especially older friends like me. Do you know that a recent survey came out, and the results made many people's eyes light up: among the 100 retired old men and old ladies, the number of people who can get a pension of 5,000 yuan is "unexpected".
In retrospect, the state has indeed put a lot of effort into the pension. Since 2005, our pension has been like grass, rising year by year. Up to now, the average monthly pension has reached 3,100 yuan. In this process, thanks to the sustained and rapid growth of the national economy, it has laid a solid foundation for the financial support of the elderly.
But then again, there are still a lot of voices around me who are not optimistic. Some people complained on the Internet, saying that the pensions that many elderly people get are pitifully small now. As soon as these words came out, I was curious, and I walked around the community, pondering about the pension. How many of our retired brothers and sisters can get a pension of 5,000 yuan?
According to the data of the relevant state departments, the amount of pension received by the retired elderly mainly depends on the situation of your previous insurance. In layman's terms, the more insurance premiums you paid before, the more money you receive every month. But you have to know that in the past, the salary level in China was generally not high, and the insurance premiums that could be paid were only a little, which is also one of the important reasons why the pension of many retirees is not high.
Speaking of myself, I can be regarded as a member of the pension who has witnessed the change of pension. In the early years, we were also a workaholic, busy every day, and to be honest, we didn't pay enough attention to the matter of paying insurance. Sometimes, I even feel that it is in the future, and I am still far away from myself. But time is not forgiving, and in a blink of an eye, I reached the age of retirement, and I found that my original decision had such a big impact on my current pension income.
Let's talk about regional differences. In some economically developed cities, such as Beijing and Shanghai, the pension level of retired elderly people is generally relatively high. The reason is very simple, there are many enterprises in these places, and there are many insured people, so the natural pension is sufficient. But in some areas where the economy is lagging behind, the situation is different. The limited number of insured people, coupled with the relatively low minimum wage, naturally the pension of the retired elderly is relatively low.
Talking about this, you may ask, what is the impact of the type of position on the pension? Many of our generation work within the system, and when they pay pension insurance, they basically come according to higher standards. In this way, the pension you get after retirement will naturally be higher. But for those who work hard in private enterprises, the situation is much more complicated. In many cases, the welfare benefits of private enterprises are not so perfect, and the pension insurance paid for employees may be according to the minimum standard, which leads to a relatively low pension after retirement.
Therefore, what I want to say is that the pension matter is not only something that can be solved by national policies. We ourselves have to be prepared when we are young, pay more insurance, try to choose a good unit, and lay a good foundation for our later life. Of course, in addition to relying on the state's pension, you also have to save some money, and you can even consider reasonable investment to increase your income after retirement**.
Seeing this, you may think that this pension matter is indeed quite complicated. But that's life, right? Everyone's situation is different, and what you can do is to build on the existing situation and try to plan for your future. Although we can't decide on policies, we can at least decide on some of our choices. The road ahead is still long, let's work together!
I almost forgot, what's your pension situation there? If you have any ideas or suggestions, please leave a message to share. Let's learn from each other, help each other, and work together for a better life in old age.