Since 2005, China's employees' pensions have increased continuously 18, and many retirees' pensions have risen to a considerable level. However, looking back at the increase from 18, it shows a downward trend year by year. At the beginning, the increase was as high as 10%, but in recent years, the increase has been decreasing year by year, from 5% in 20 18 -2020 to 4.5% in 202 1 year, and it has dropped again this year. If it is raised, retirees with high pensions will increase their money. Is it true?/You don't say. Next, let's look at it in turn.

First, can pensions rise in 2023? First of all, give everyone a reassurance. In 2023, the employee pension will continue to rise, achieving a sustained growth of 19. Released three main signals.

First, China's "Social Insurance Law" clearly stipulates that the level of basic old-age insurance benefits should be raised in a timely manner according to the average wage increase and price increase of employees.

Second, the income and expenditure of pension funds are guaranteed. Recently, Ministry of Human Resources and Social Security responded to the issue of the income and expenditure of the pension fund that everyone is most concerned about, saying that there is a solid material foundation for the timely and full payment of pensions. In 20021year, the income of the basic endowment insurance fund for enterprise employees was 4.4 trillion yuan, and the fund expenditure was 4. 1 trillion yuan. The balance of income and expenditure in the current period is generally balanced, with a slight balance. Since the beginning of this year, the fund has remained stable. At the same time, the accumulated balance of the basic old-age insurance fund for enterprise employees in the current period is 5 1 trillion yuan, which has strong guarantee ability. According to the principle of living within our capabilities and living within our means, pensions will probably continue to rise.

Third, the performance of economic development, average wage increase of employees and price increase is relatively optimistic, and they are all in a state of growth. Therefore, there are indications that the pensions of retirees will continue to be adjusted in 2023.

Second, people with high pensions will increase their money. Is it true?/You don't say. Everyone here knows very well that it is not true that people with high pensions will not necessarily increase their money! The amount of pension adjustment varies from person to person. The main reason is that the increase of pension is influenced by many factors, not simply the basic pension multiplied by the increase. Most people think that people with high pensions will increase more money, mainly because they mistakenly think that the calculation method of pension adjustment is as follows: if the overall increase is 4%, the pension of 3,000 yuan will increase by 3,000× 4 =120 yuan, and the pension of 6,000 yuan will increase by 6,000× 4% = 240 yuan. However, if so, this calculation method is wrong.

Pension adjustment generally adopts three ways: quota adjustment, hook adjustment and tilt adjustment. The quota adjustment is to increase the same amount of money for retirees in the same area; The linked adjustment is linked to the basic pension and the payment period respectively, which embodies the incentive principles of "more work and more pay" and "more pay"; The tilt adjustment is to take care of the elderly, retirees from hard and remote areas, retired cadres from enterprises and other groups, and increase an extra pension. Therefore, the amount of pension that retirees can increase is mainly affected by the following factors: the area where retirees are located, the payment period, the basic pension and the age. For example, Uncle Li added 190 yuan, which may be composed of local quota adjustment of 50 yuan, adjustment of payment period of 50 yuan, adjustment of basic pension of 40 yuan, adjustment of old age of 40 yuan and adjustment of 10 yuan in hard and remote areas.

According to the continuity of the policy, when adjusting the pension in 2023, the three-step way of quota adjustment, hook adjustment and tilt adjustment will remain unchanged. Suppose that the pension adjustment scheme in a certain place in 2023 is as follows: 40 yuan will be adjusted according to the quota; Linked to the adjustment of the payment period, the basic pension will be increased by 1 year for each payment period; The adjustment ratio of linked basic pension is1%; 40 yuan will increase for the elderly aged 70-80, and 80 yuan will increase for those over 80 (including 80).

Retirees with high pensions may not necessarily increase their money, mainly in the following two situations. Let's take a concrete look and verify it with examples.

The first type: retirees with high pensions raise more funds.

Suppose Lao Li's basic pension is 6280 yuan, and the payment period is 40 years and he is 65 years old. The rising pensions are: 40 yuan is adjusted by quota, 40 yuan by linked payment period, and 62.8 yuan by linked basic pension, with a total increase of 142.8 yuan.

Suppose Lao Zhang's basic pension is 2,800 yuan, the payment period is 25 years, and he is 67 years old. The rising pensions are: adjusting 40 yuan by quota, adjusting 25 yuan by linked payment period, adjusting 28 yuan by linked basic pension, and increasing 93 yuan on the whole.

It can be seen that Lao Li, who has a high pension, has more advantages because of the adjustment of the basic pension and the payment period, and neither of them has reached the condition of old age tilt, so Lao Li, who has a high pension, has increased by 49.8 yuan more than Lao Zhang, who has a low pension.

The second type: retirees with high pensions raise less money.

Suppose Lao Li's basic pension is 6280 yuan, and the payment period is 40 years and he is 65 years old. The rising pensions are: 40 yuan is adjusted by quota, 40 yuan by linked payment period, and 62.8 yuan by linked basic pension, with a total increase of 142.8 yuan.

Suppose grandpa Zhang's basic pension is 2800 yuan, the payment period is 25 years, and he is 80 years old. The rising pensions are: 40 yuan is adjusted by quota, 25 yuan by payment period, 28 yuan by basic pension and 80 yuan by old age, with a total increase of 173 yuan.

It can be seen that Lao Li, who has a high pension, has increased by 30.2 yuan less than Grandpa Zhang, who is not old enough.

To sum up, pensions will continue to rise in 2023, and it is not true that people with high pensions will increase their money, mainly because pension adjustment is not only related to basic pensions, but also affected by factors such as retirees' location, payment period and age.