In fact, the growth rate of enterprise retirees' pensions in 2020 will be the result of March 2020. Therefore, all kinds of conjectures before this are only speculations. We think that the pensions of enterprise retirees will rise in 2020, but it is impossible to increase by more than 10% every year as in the past. It is estimated that the enterprise pension will increase by 5-5.5% next year, and the pension growth rate will tilt to 65 years old.
Then, why will corporate pensions rise in 2020, but there will be no big increase? First of all, domestic economic growth will maintain a medium-speed growth for a long time, and the growth rate of pensions should be linked to economic growth. Before 20 15 years ago, the annual increase of pension was above 10%, mainly because China's economy showed double-digit growth. In recent years, the domestic economic growth rate has fluctuated within the range of 6-6.5%, so the pension growth rate will be adjusted to be similar to the economic growth rate next year. This also shows that the China government should let retirees share the fruits of reform and opening up.
And this year, with the soaring price of pork, the prices of other meat products and eggs are also rising. Compared with government agencies and institutions, employees of enterprises are the hardest hit areas because of their low salary base. For example, the average national enterprise pension is only 3,000 yuan, and the daily income is only 100 yuan. Now the price of pork has risen to 30 yuan/Jin. If the wages of enterprise retirees do not increase, it means that their quality of life will decline. At present, the domestic inflation rate is 3%. If the salary of enterprise retirees rises by 5-5.5% next year, it will not only outperform the inflation level, but also basically keep pace with economic growth.
Finally, our national economy has maintained a median growth, and the quality of economic growth has been greatly improved. At present, the domestic pension is relatively abundant, which has laid a solid foundation for continuing to improve the pension. In addition, the Ministry of Finance also believes that a large amount of financial expenditure will be invested in pension funds every year. The National Development and Reform Commission also said that state-owned assets can be sold to support the operation of pension funds. More importantly, the pension investment capital market has achieved good returns. Of course, it is hard to say that pensions will rise sharply next year, but it is absolutely possible to basically rise in sync with GDP.
There is basically no suspense in raising the pension in 2020, but many elderly friends ask whether it will rise sharply. We don't think this possibility is great. In the future, China's economic growth will slow down, and so will its pension growth. In the future, the pensions of employees in enterprises and institutions will continue to increase by 5-5.5%, and the pensions of employees in government institutions may increase by 4%. The growth rate of pension will be moderately inclined to enterprise retirees, which can narrow the pension gap between enterprise personnel and personnel of government agencies and institutions and truly realize fairness and justice.
Enterprise pensions are generally around 2,000, while the national average wage should be above 5,000. Therefore, the wages of enterprise retirees are too low, and they are all poor households in the country. I hope that the state will greatly increase the wages of enterprise retirees, and let them be in place below 3000.
The new rules for enterprise retirement in 2020 stipulate how much the enterprise pension will increase next year. The number of retirees will increase year by year, and the annual pension issued by the state will also increase year by year. This year's pension has been paid, so what will happen to the retirement next year? The latest news of retirement, enterprise pension adjustment in 2020, suggests that the adjustment mechanism of basic old-age insurance benefits in the Master Plan Design of China Basic Old-age Insurance System needs to be deepened, so the pension for retirees will be greatly increased next year.
Ministry of Human Resources and Social Security recently announced that in 2020, 24 provinces and cities will raise the minimum wage. The first minimum wage in our province is 1320 yuan, ranking seventh among the 24 published provinces and cities.
In 2020, 24 provinces and cities, including Beijing, Sichuan, Jiangxi and Shaanxi, successively adjusted the minimum wage. According to the revised data, the highest monthly minimum wage is 1500 yuan; The highest hourly minimum wage is in Beijing, 15.2 yuan.
Starting from 12 and 1 this year, our province once again adjusted the minimum wage standard in our province. The adjusted minimum wage is still divided into four grades, and the monthly minimum wage is 1320 yuan, 1260 yuan, 165438 yuan and 1048 yuan respectively.
The increase in pensions has offset the impact of inflation.
The moderate increase of indefinite pension is also to resist the influence of inflation, keep the basic living standard of retirees in a relatively stable state, keep the purchasing power of retirees' pension stable, and enable retirees to enjoy their old age.
20 19 in recent months, the increase of CPI has been around 2.8%. With the rise of consumer price index, all consumer goods still have a certain increase, especially pork in recent years.
Therefore, under the premise of rising consumer price index, the pension can be raised in 2020.
Therefore, increasing the pension is also to resist the influence of inflation and keep the basic living standards of retirees unchanged.
After the pension rose in 20 19, now everyone is concerned about whether the pension will continue to rise in 2020 and realize the continuous increase of 16. In this regard, social security experts pointed out that pension adjustment is a major event in people's livelihood, affecting more than1.1.800 million retirees. As long as the economy rises steadily, it is certain that the state will continue to raise wages for retirees in 2020.
In fact, from 2005 to 20 19, the pension has achieved a sustained growth of 15. Before 20 15, the adjustment speed will remain above 10%, which is related to the high economic growth rate above 10% in the previous period. After 20 15, the pension of retirees is also rising, about 5%-6%, which is related to the new normal of domestic economic growth.
Then, what makes us say that after the 20 19 retirees' salary increase, the state will give everyone a salary increase in 2020? First, the social security law stipulates that the state establishes a normal adjustment mechanism for pensions, and adjusts pensions according to rising prices and wage growth of employees. At present, domestic inflation is rising every year, and the average social wage is also adjusted every year. What is certain is that there is no suspense in raising the pension for retirees in 2020.
In 2020, the increase of enterprise pension is basically determined, but it is hard to say whether there will be a big increase in pension. According to the data, since 2005, the salary of enterprise retirees in China has been raised every year, and this year, the salary of enterprise retirees has been raised continuously 16 times. Before 20 15, the salary of enterprise retirees increased by more than 10% every year, and after 20 16, the pension of enterprise retirees decreased to 5-5.5%.
Why will corporate pensions rise in 2020, but there will be no big increase?
First of all, domestic economic growth will maintain a medium-speed growth for a long time, and the growth rate of pensions should be linked to economic growth. Before 20 15 years ago, the annual increase of pension was above 10%, mainly because China's economy showed double-digit growth. In recent years, the domestic economic growth rate has fluctuated within the range of 6-6.5%, so the pension growth rate will be adjusted to be similar to the economic growth rate next year. This also shows that the China government should let retirees share the fruits of reform and opening up.
Secondly, although China's pension has been rising 16, the income of retirees in domestic enterprises is not high, and the national average is only about 2,800 yuan/month, but the pensions in first-tier cities such as Shanghai are slightly higher. Therefore, raising the pension every year is to tilt towards the group with relatively low pension income base and early retirement. At present, the policy of "lowering the ceiling and lowering the ceiling" is still going on, and the pension increase in 2020 is also an inevitable result.
Finally, our national economy has maintained a median growth, and the quality of economic growth has been greatly improved. At present, the domestic pension is relatively abundant, which has laid a solid foundation for continuing to improve the pension. In addition, the Ministry of Finance also believes that a large amount of financial expenditure will be invested in pension funds every year. The National Development and Reform Commission also said that state-owned assets can be sold to support the operation of pension funds. More importantly, the pension investment capital market has achieved good returns. Of course, it is hard to say that pensions will rise sharply next year, but it is absolutely possible to basically rise in sync with GDP.
Hello, landlord, will corporate pensions rise sharply in 2020? In 2020, enterprise pensions basically do not have the conditions for a sharp rise. It will still increase normally in strict accordance with the change of our average social security contribution base, that is to say, it will increase by 7%~ 10% every year, and generally it will not exceed 10%, so it is basically impossible to achieve substantial growth.
Then, as enterprise retirees in 2020, so far, we can't know how the average social wage will change. That means what level of pension we will get in the future is unknown, but one thing is certain: people who retire every year will basically get a higher pension than those who retired the previous year, because it will rise according to a certain proportion!
So there is basically no possibility of a big rise, but normal growth is no problem. And for any employee who retires every year, his pension benefits can basically increase normally. In other words, those who retired in 2065438+2009 can enjoy the normal growth of pension benefits by 2020 if they really adjust their pensions normally.
As an important basic guarantee of society, our pension system must always remain stable, and there can be no ups and downs.
In 2005, the state issued the Decision on Perfecting the Basic Old-age Insurance System for Enterprise Employees, issued a new national unified basic pension system, clarified the new calculation formulas of basic pension and personal account pension, and stipulated the establishment of a normal adjustment mechanism for basic pension, and the pensions of retirees were adjusted according to the changes in wages and prices of employees. Since then, the pensions of enterprise retirees in China have increased continuously 15.
In 20 19, the average pension level of retirees was adjusted by 5%, the pension increase ratio of enterprise retirees was about 5.5%, and the average increase level of retirees in government agencies and institutions was about 4%. The adjustment method of pension is a comprehensive scheme considering various needs, which mainly includes three ways: quota adjustment, linked adjustment and appropriate inclination.
The quota adjustment is based on the principle of fairness, and everyone will increase the same amount of money. This way is to take care of low-income people. If we must spend the same amount of money, the lower the pension, the higher the proportion of people.
Hook adjustment is divided into payment period hook and pension level hook. The linkage of payment years means that the monthly pension will increase by a fixed amount every year, which is between 1~3 yuan in most areas. However, in order to encourage long-term payment and overcharge, Shandong and other places adopt the method that the longer the payment period, the higher the pension standard. Within 15, the annual payment period will increase 1.5 yuan, and it will increase to 3.5 yuan after 46 years.
The adjustment of pension level is mainly based on a certain proportion of pension, and the principle of paying more and getting more is also implemented. After all, the higher the payment level, the higher the pension.
The tilt adjustment is mainly aimed at hard and remote areas and the elderly over 70 years old. The older you get, the more extra pension you get. I believe that most people have no opinion. In addition, some areas such as Henan and Xinjiang also have policies to raise pensions for people below a certain level.
In the past four years, the average adjustment range of China's pension is 6.5%, 5.5%, 5% and 5% respectively. From the perspective of stability, the average pension level of retirees is still expected to increase by about 4%~5%. Why?
First of all, the price has gone up because of it. I believe that most people have felt the rapid rise in prices this year, especially the price of pork. From 20 19 10-9, the average increase of consumer price index was 2.5%, and the increase of pork price was more than one percentage point. Of course, after pork rose to more than 30 yuan recently, many areas such as Heilongjiang began to fall one after another. In order to ensure the stability of the purchasing power of the elderly pension, the pension will naturally increase. The average growth rate of CPI in 20 18 is only 2.2%, and the average growth rate of pension in 20 19 is 5%. I believe it will be at least 5% by 2020. Of course, the lower the pension level, the higher the increase rate, the average increase of enterprise retirees is 5.5%, and the increase rate of people with pension 1000 yuan is generally above 8%.
Second, the impact of social average wage growth. Even if there is some pressure in the employment environment this year, the state has allocated 654.38+000 billion yuan of unemployment insurance fund to promote employment and improve the skills of workers by 654.38+050 million person-times. I believe that everyone's average wage level still has a certain increase, which should generally be between 6% and 8%. With the increase of the average social wage, the pensions of new retirees will increase, and in order to maintain a basic balance, the pensions of old retirees will also increase. Although the increase rate is not as high as the average social wage level, it can generally reach between 4% and 5%.
Third, the pressure on the income and expenditure of pension funds. The above two are the driving forces for the increase of pensions, but they do put some pressure on the income and expenditure of pension funds. From May 2065438 to May 2009, the state required all localities to gradually reduce the contribution rate of endowment insurance from 19% and 20% to 16%. At the same time, the state requires that the average social wage be unified to the average social wage of all-caliber urban workers, which greatly reduces the upper and lower limits of the pension insurance payment base. Through a series of measures to reduce the burden, the enterprise social insurance foundation has reduced the burden by more than 300 billion yuan. In 20 18, the total income of the pension fund was 50 1 trillion yuan, the expenditure was 4.46 trillion yuan, and the balance was 550 billion yuan. It is indeed possible to have an impact on the growth rate. But in any case, the country still has more than 5 trillion old-age insurance fund balances, which is the basis for the country to increase pensions.
So, although everything is uncertain, there are still some clues to follow. It is estimated that the pension adjustment in 2020 will be announced by the state around March next year, so please wait patiently.
Will retirement wages soar in 2020? I think it should go up for the following reasons:
1, 20 19 years, prices rose sharply, especially pork, which was beyond the affordability of ordinary people. Daily necessities such as medicines and hospitals have also increased to some extent.
2, the bank interest is low, some foreign countries have negative interest, and our interest is also low.
3. Retirees do not have a second job, but want to engage in a second job. There are many people and they are sick. Employers use various reasons not to recruit or recruit less.
4. Retirees' salary base is low, and they can live in the poorest line without raising prices, and it is more difficult to support their families with rising prices.
In short, for various reasons, I believe that the party and the government will give them a happy old age and give them some support.
Corporate pensions are expected to rise in 2020, but it is not expected to rise sharply.
Hello, everyone, I am a social security expert. Will corporate pensions soar in 2020?
What do you mean by a big rise? How much is the surge? In fact, the increase in pensions has been gradually narrowing in recent years.
Since 2005, the pension of enterprise retirees has been rising continuously, and by 20 19, the continuous growth of 15 has been realized.
However, since 20 16, the increase of pension has been reduced from the previous 10% to about 6.5%, the increase of 20 17 pension is about 5.5%, and the increase of 20 18 and 20 19 pension is about 5%.
Therefore, if there are no accidents, it is expected that the pension increase of retirees will remain at around 5% in 2020.
Compared with the previous increase of 10%, the pension increase of about 5% now is obviously not the so-called skyrocketing.
Of course, the increase of about 5% has far exceeded the increase of prices. From 2065438 to September 2009, the price level was about 3%, and the CPI increase in the first nine months did not exceed the control target of 3%. According to the National Bureau of Statistics, this is still a moderate growth with no inflation.
According to the requirements of the social security law, the state should establish a normal adjustment mechanism for basic pensions, and adjust basic pensions in a timely manner according to the wage increase and price increase of employees.
Therefore, with the rising wages and prices of employees, the pensions of retirees are expected to remain upward in 2020, and the sustained growth of 16 will be realized, which is not a big problem.
It is also possible and possible to raise the pension in 2020. First of all, at present, the accumulated balance of the basic old-age insurance fund for enterprise employees is about 5 trillion, which means that the overall situation is not bad, which can ensure the timely and full payment of pensions.
Secondly, in 20 19 years, the state also vigorously promoted the central pension adjustment system in some provinces where pensions are unable to make ends meet and the payment pressure is high. This year, the overall adjustment scale will reach about 630 billion yuan, which can ensure that these difficult provinces will pay pensions in full and on time.
Thirdly, this year, the state is also vigorously promoting the transfer of some state-owned assets to social security funds; In addition, financial subsidies to pension funds are also increasing, and the amount of subsidies this year has reached 528.5 billion yuan.
Under the support of the above favorable conditions, the pension in 2020 can be guaranteed to be paid on time, and it is also conditional and capable of keeping rising, at least the increase can outperform the price, which is definitely no problem. But the increase of 10% you expect is basically impossible, and the probability is very small.
Of course, the above is only our expectation, and the formal adjustment notice is subject to the national promulgation in March 2020.
Don't flirt with people who give up halfway. Please don't ask such sad questions. Retired people are sour enough.