To increase pensions, experts give three suggestions. The first is to use the personal account of the first pillar pension as a carrier to consolidate pension wealth reserves.

The second is to expand the participation rate of the second pillar enterprise annuity as soon as possible.

The third is to transform the pay-as-you-go “liability” model of pension funds into a fund “asset-based” model.

The number of retirees in our country is increasing, and it is predicted that the gap in pension funds will also become larger and larger. By 2035, pension funds are likely to be exhausted.

So keeping pensions adequate or even increasing is an imperative task.

1. The source of pensions. The source of our pensions is the social security contributions paid by working young people. However, as the population ages and evolves, the situation becomes increasingly serious, and young people are unwilling to get married, and the birth rate of newborns has declined. These conditions have led to a decline in the number of contributors.

If it is declining, then the contradiction is obvious. If we only rely on the storage of social security fees, the break of the capital chain will be the inevitable outcome.

2. Increase in pensions Everyone must know that in the past decade or so, our country has continuously increased pensions in order to protect the needs of retirees.

But it is definitely not enough to rely solely on the social security contributions paid by young people. Some company retirees can also receive corporate annuities. If you want to receive an additional annuity after retirement, you need more companies to participate.

, so that everyone can increase their income after retirement and improve their quality of life.

3. Pension investment. Now our pension is pay-as-you-go. This model will not increase the pension. However, if the pension is invested, if the country can find some new industries for investment,

, then everyone can benefit from this model, and the payment pressure on young people will also be reduced. It can be said that this method is the most ideal.

4. Pension adjustment. Many people will find that the amount of pension is different. Some people’s pension is nearly tens of thousands, and some people’s pension is only one or two thousand yuan. This gap is very big. Some experts suggest that this aspect can be

Carry out graded adjustments. Those with high pensions will reduce the point increase ratio, and those with low pensions will increase the point increase ratio. Using graded adjustments can prevent the gap from continuing to widen.

This is also a good way to increase your pension.