What do you think of the current pension?

China's pension is a pay-as-you-go system, and the pension we pay has long been paid to the current pension population. In other words, it is now young people who are raising the elderly. You may think that in the future, there will be young people to support us, and this is just a transfer of time for the use of wealth.

But the question is, what if there is not enough money in the future? It needs to be understood that as the aging population intensifies, pensions will only become more and more beyond their means. In fact, the three eastern provinces, which have suffered a serious outflow of population, have long had an imbalance between their revenues and expenditures, and only developed regions such as Guangdong and Jiangsu can still maintain their surpluses by relying on a large number of young laborers.

Therefore, such as delayed retirement, has long been on the agenda, and the emptying of personal accounts is also a response to this crisis.

At least in 2012, the official attitude is to "gradually realize the full amount from the individual contribution part to the personal account". Later, everyone knows the situation, and the official gave up doing the real thing, which shows how big the deficit is. But officials have always denied that there is a deficit in pension accounts.

Because admitting it means that ** talking is like a fart, which damages credibility. So they choose to lie, to explain one lie to another. Not only that, but they have also almost deleted the news that they said they wanted to make a real pension account in previous years, as if they had never promised.

There should be a flexible retirement policy, as if I started working at the age of 18 and was laid off at the age of 40. I have been doing odd jobs all the time. This year's salary is up to 1,100 yuan per month, there are no holidays and Sundays, and I pay my own pension.

There is no money for medical insurance for a long time. He is 52 years old. My health is deteriorating, and I look forward to retiring as soon as possible, and I hope that I will retire at 55 and that civil servants will be in good health.

Can retire at 70.

Now, changing the personal account from a real account to a nominal account is, on the surface, a compromise with reality, but in essence, it is legalizing empty accounts, that is, legal debts! As compensation, the interest rate on personal accounts will be increased uniformly and substantially from the previous average level of 2%-3% to. Is this level high or low?

Let's take a look at the situation everywhere. Compared with the data in 2015, Shandong Province is high, which is far more than other provinces, and it is considered to be outstanding. (I don't know why Shandong is so generous, it's really beyond my expectations). ‍

China's pension account has two parts: the overall account and the individual account. The overall account is paid by the company for us, accounting for 20% of the payment base, which is all handed over and distributed by **, which belongs to all local social security participants. This part, how to deal with it, give more and give less, up to **.

If the funds are insufficient, the amount and timing of this part of the pension can be adjusted.

For people who have worked for a long time, especially those who have been retired for a long time, they can be said to have reissued a lot, and it is still very exciting to get so much money at once. And for those who don't work long hours, the money is pitiful, but it's better to have money than nothing.

After the reform, the increase has generally been more than doubled, which has greatly exceeded the expectations of the people concerned. Because the national social security ** is operating quite well, shareholders know that the social security ** has repeatedly escaped the top, always buying low and selling high, and the average annual rate of return is also.

It is unreasonable to increase the pension every year in the same way as the retirees of enterprises, and the difference between the pensions of retirees of enterprises and institutions is nearly doubled. We should give more money to corporate retirees and less to career retirees, so that the gap can be slowly narrowed after a few years.

When people leave their posts after retirement, they are all citizens and should be treated fairly and justly.

A few years ago, in order to close the gap between the rich and the poor, the United Kingdom introduced the same pension of 150 pounds per week for those who were on national insurance during their employment, unless the high-income earners bought other insurance to increase their pension income during their employment. When will our country reach this level?

In 2016, **substantially**, the return on investment of social security is still there. In 2015, so many people went bankrupt, but the rate of return on social security investment was as high.

The current pension is quite reasonable! Some people pay a pension of one or two hundred yuan a year, and some people pay a pension ......of several thousand or tens of thousands of dollars a yearWhen you retire, you will definitely get something different!

When working, people's abilities are large and small, and the remuneration should be more or less. However, since everyone is retired, there is no difference between three meals a day, why is the pension gap still so big?

There is a need for true justice, equality. The inequality caused by the economy is most directly related to people's living standards, etc., and in 2005, corporate retirees were given more than 400 yuan less per month than retirees in 2006. What kind of policy is this, artificially creating inequality between people?

There are so many people who react, but they don't change and are speechless.

Don't add the company's pension, but you must significantly reduce the pension of the business.

As long as the price of wages is raised, it must be the first, which is tantamount to robbery in disguise. You will find that as your pension increases, the money becomes less and less expensive.

Personal threshold: as long as you pay enough social security for 15 years. After the age of 50, you can choose to retire at any time according to your personal circumstances.

Corporate retirement wages are too low...

The current pension will be enough to live, 2,400 yuan per month, don't be sick, if you are sick, you will be done.

Seventy percent of France's tax revenue is used for welfare, and the country has become stronger, so it should increase investment in the people, consumption by the people, and increase industry. If the people live well, they will naturally support **,

The current pension gap is too large and is also one of the factors of social instability.

I hope to give due consideration to the laid-off workers of enterprises.

They are all retirees, and their salaries vary widely.

Create your own contradictions. Don't change it.

Many people are now concerned that many older people have higher pensions than younger people. The main reason is that these elderly people belong to the organized work in their lives, so their pensions are very high after retirement. It has even surpassed some young people, and for many young people nowadays, they do not like to work in the establishment very much.

And I think that I am still young and should go out for a while, so I will choose to go out in some big cities, but my ability does not match my ambitions. <>

At this time, their wages are very low, and even sometimes some young people's wages cannot afford their own rent and living expenses. This makes many young people feel that they are not motivated to work hard in big cities. The reason why the pension of these elderly people can reach such a high level is also because they themselves paid a lot when they were young.

Because they have been working in the establishment for ten years, and have been working 9 to 5 days, this is also a reward for them. <>

And they chose to work in the local area, which also shows that they chose to give their youth and time, which is also the harvest and reward they should receive. For these elderly people, being able to have such a high pension is also a subsidy and help to themselves. Be able to let yourself affect your later life in old age, and will not have some corresponding impact due to some problems such as living expenses, or affect your life and life and health.

There may be some young people who think that they have paid so much, and it is not as high as the pension of an elderly person, and they will feel a little uncomfortable. But for these young people, they should have worked hard more when they were young, so that their old life would become more and more exciting. Everyone is bitter first and then sweet, and if you choose to be sweet first, then your life will definitely become more and more bitter in the future.

I think this phenomenon is very normal, after all, these old people did work a lot when they were young, and they worked for decades to be able to enjoy this kind of benefit.

This shows that many retired old people are quite powerful, and now young people do not have high requirements for wages, and young talents are just starting out.

I think this is a normal phenomenon, and it is also an affirmation of the efforts of the elderly when they are young, so that they can rely on the old and have fun, and the young people are more motivated to work.

Although these retirees also worked hard when they were young, I think that if the pension is too high, it is very unfair to the young people who are working hard now, because they use the social security paid by young people to support these retirees.

This is very good! Proof is not income distribution by age! Justify the distribution system!

Why is the pension insurance base discussed every day, but now most companies do not pay pension insurance to employees, and we have not paid it once for more than ten years. The factory is very simple, if you want to do it, you don't want to leave, if you make trouble because of insurance problems, then you are ready to resign!

The pension insurance system is a system established by the state, and I am very optimistic.

1. Nowadays, the social security system has been implemented, and enterprise employees, urban and rural residents, must pay pension insurance before they can receive pensions. 2. Endowment insurance is to ensure basic life. To put it bluntly, it is to ensure the daily expenses of eating, wearing, and using.

Only those who have paid pension insurance are eligible for this treatment. 3. At present, endowment insurance is divided into one of the state-led social insurance, and one of the life insurance of commercial insurance companies. These are two types of insurance with different requirements.

Each person can choose according to their needs. However, it must be made clear that commercial insurance is for the purpose of making profits. The purpose of social insurance is to ensure basic livelihood.

The implementation of the pension insurance system is divided into two stages. The first stage began in October 1986, when state-owned enterprises implemented a contract system for employees to pay insurance premiums according to their own salaries. The second stage was implemented in the second half of 1993 in order to deepen the reform of pension insurance, and it was fully popularized in the future.

Article 10 of the Social Insurance Law states that employees shall participate in the basic endowment insurance, and the employer and the employee shall jointly pay the endowment insurance premiums.

From the family planning period in 1985, in 1995, "only one child is good, help the elderly", in 2005, "the pension cannot be relied on", in 2012, "it is good to delay retirement, and you will support the elderly", and in 2020, "the commercial pension insurance will be included in the third pillar of old-age security to accelerate the construction". Therefore, the future pension is really everyone's own business, and the new middle class is to be able to afford the current self and raise the old self in the future. Last year, it was more from the perspective of interest rates to lock in products with a lifetime income of close to 4%, and did not face the problem of pension as now, setting up policies for children, hoping to escort the child's life in the future.

Now I feel more deeply that the most urgent thing to solve is my own pension problem, and managing myself well is the greatest help to my children.

Every company should buy pension insurance for its employees, and at the same time, it is also expected that individuals can actively buy it. Because of this pension, there will be a little more security after retirement. It's not that there is no income at all, and life is a little more confident.

I think pension insurance is very necessary, and everyone must be aware of the importance, because this matter is related to our daily life, and it also has a certain role in our pension life.

I think this is a guarantee for people, a better protection of people's lives, and a symbol of social development.

This kind of thing is just to provide a guarantee for many people who need it, and it can also meet the life of the pensioners, so the implementation of pension insurance is also beneficial.

This insurance is very important and has a certain role in protecting your future, so you must pay for it.

Now many retirees have pensions that are higher than the salaries of young people, what do you think? There are many young people who have a relatively low monthly salary because they work as contract workers, such as 3,000 yuan to more than 5,000 yuan. Some retirees have a monthly salary of nearly 10,000 yuan or more than 10,000 yuan, which is a very normal thing, and it is the treatment that individuals should enjoy after working hard.

There are also retirees who have worked longer than young people, and it can be said that retirees have worked for more than 40 years.

There are many in society, and they cannot be compared. Some elders say that they would rather give up their high wages in exchange for being younger, and young people only know the meaning after hearing about it. Establish confidence to rely on your own ability to create life, as long as you work hard, there will definitely be a reward, that is, compared with the past, life will be better day by day, this is the normal result of life, belated.

It is reasonable for retirees in the same industry and region to have higher pensions than young people. First, the average social wage can be understood as the basic living security expenses, which retirees should enjoy as members of society, and when China develops to a certain extent, the elderly in rural areas will also enjoy this treatment; Second, consider the in-service salary level of retirees, indicating that the society recognizes the contributions of retirees; Third, pension insurance can be said to be the savings of retirees when they are on the job, and it is understandable that their balances will be distributed evenly after retirement. For the above three reasons, it is normal for a pension to be higher than a young person's salary, and vice versa.

Do young people want retirees to receive a pension less than their own salary? The answer should be no. First, retirement is the natural law of human growth, and in a few years, young people are also old people, and it is a traditional Chinese virtue to face the present and not forget the past; Second, the elderly are family members, and within the family, do young people want their parents' pensions to be lower than their own wages?

Third, capitalist social capital is in the hands of capitalists, and it is the boss's decision whether or not to pay the basic salary after retirement. In socialist countries, as a retirement system, it ensures that the old age is supported, which is the embodiment of the superiority of the social system.

Pensions are different in every era. In the seventies and eighties of the last century, pensions may have been tens or hundreds, but now how much are they, are they all in the thousands, right? However, it is not that the retired old people in the country no longer care, and all the old people who are still alive are gradually making up for it in accordance with the current monetary factors and price factors to ensure that the old people can spend their old age in peace.

Therefore, young people should not be jealous that the pension of the retired elderly is higher than their own salary, and do not think that retirees who are idle all day long are more expensive than those who get up early and are greedy for night. Because the work of young people is now experienced by these retired old people, those people in the last century may have worked harder than today. When today's young people retire with a higher pension than today's retirees, will you still be jealous of the high wages of these idle people?