As time goes into the middle of 10, and 2022 is coming to an end, many retirees begin to expect the pension to rise next year, because everyone has formed a habit. In the past 18 years, pensions have been rising, which makes some retirees subconsciously think that pensions will be raised every year. So, will pensions continue to rise in 2023? If it goes up, will people with high pension levels go up more?

First, the possibility of pension increase in 2023 is relatively large, and it is expected to achieve a continuous increase of 19.

As the only source of income for most retirees, the level of pension is directly related to the quality of retirement life. At present, the number of employees receiving pensions exceeds 65.438+0.3 billion, and the number is large. Constantly improving the level of pension insurance benefits is an important means to improve people's livelihood, enhance happiness and promote the development of China's pension industry.

The "Social Security Law" also clearly stipulates that the level of pension benefits should be raised according to factors such as rising prices and increasing average social wages. I believe everyone has also felt the price increase this year. This year, the base of social security contributions has also generally increased, and the income of social security funds will also increase.

Can pensions rise in 2023?

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, how much pension a retired worker can get is mainly affected by the following factors: the area where the retiree is 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 formula 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 as follows: 40 yuan is adjusted by quota, 25 yuan by payment period, and 28 yuan by basic pension, with a total increase of 93 yuan.

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.

Will retirees raise their pensions next year?

The pension adjustment in 2022 is coming to a successful conclusion. At present, only a few provinces such as Sichuan, Chongqing, Qinghai and Xinjiang have not released the pension adjustment plan for 2022, but there is no need to wait too long, because the time limit for pension adjustment is before the end of July. According to the data of Ministry of Human Resources and Social Security, the average pension for enterprise retirees in 20021year was 2,987 yuan, and after the increase of 4% in 2022, the average pension will exceed 3,000 yuan. The pension adjustment ended in 2022, and some retirees yearned for 2023. Will pensions continue to rise in 2023?

Although it is a bit hasty to talk about whether to adjust the sedan chair pension in 2023, the eagerness of retirees is understandable. With this in mind, we can predict from four signals that pensions will continue to rise in 2023, or it is possible to achieve a sustained increase of 19.

It is predicted that China's economy will maintain positive growth in 2022.

Whether the pension will continue to grow in 2023, a basic consideration is the economic growth of China in 2022. In the first half of 2022, China's economy successfully achieved positive growth, and its GDP increased by 2.5% year-on-year.

With the introduction of a series of measures to stabilize the economy and promote consumption, China's economy is expected to stabilize and rebound in the second half of the year, because the main indicators such as exports have obviously picked up in June, and the word "V" has appeared in the first half of the year. In the second half of the year, there was no impact of the Black Swan incident. With the promotion of resumption of work and production, economic indicators are expected to continue to improve, and it is confident that China's economy will continue to maintain positive growth throughout the year.

When the economy is good, everyone can be good. In 2022, China's economy will continue to grow, which is the big foundation for retirees' pensions to continue to rise in 2023. We are optimistic about this, because the industrious people of China have no problem in developing their economy.

2. It is estimated that prices will continue to rise moderately in 2022.

In addition to considering the economic environment, the improvement of pension is also based on the requirements of the Social Security Law. The reference for improving the basic pension for retirees is the increase in prices and wages of employees.

The rise in prices is directly related to the purchasing power of money in everyone's hands. In 2022, prices in many countries in the world are soaring. In the United States, prices have risen by more than 9%, hitting a new high in more than 40 years, but prices in China have remained low. Statistics from the National Bureau of Statistics show that the CPI in the first half of the year was 1.7%. Although the CPI increase in June improved slightly, it was only 2.5%. In other words, the price situation in China was stable before the talks, and there was no basis for a sharp rise.

Will retirees get a raise in 2023?

In 2023, retirees will have a high probability of raising their wages. Because. With the development of national economic construction. Everyone's average salary will increase. In addition, according to the current situation, social prices will still rise to some extent in 2022. In order to ensure the quality of life of retirees. Retirees' pensions will increase to some extent in 2023. But the magnitude may be lower than that in 2022.

How much can the pension increase in 2023?

Recently, all parts of the country have announced the adjustment plan of residents' pension. By the end of July, 2022, all localities had completed the accounting and replacement of pensions adjusted in June this year, 65438+ 10. Since August, pension insurance for retirees has been issued according to the adjusted standard. Endowment insurance is increasing year by year. While enjoying the happiness of the current pension increase, retirees will inevitably look forward to the adjustment next year. How much can the pension increase in 2023? Suppose it goes up by 3.5% next year, how much more money can everyone get? Next, Bian Xiao will explain it to you in detail.

How much can the pension increase next year?

Since 2005, due to the rapid economic growth, the pension of retirees in China has been rising continuously for 18 years. If we compare the growth of pension funds vertically, we can find that the growth rate of pension funds is closely related to the level of economic development in China. 2/kloc-0. At the beginning of the 20th century, China initially joined the World Trade Organization, and its economy developed rapidly, which fed back the society. The increase of pensions increased almost simultaneously and rapidly, reaching the highest level of 10%. After 2008, with the increasingly close ties between China's economy and the world economy, the impact of the world financial crisis has gradually deepened. Even under the strong control of the government, China's economy has inevitably changed from high-speed growth to steady improvement. Entering a new era, the economic development strategy is adjusted. China's development goal is to invest in the future, and turn a country with strong books and strong sails into an innovative power. At present, development makes profits actively invest in high-tech industries, and the economy continues to develop steadily. The increase of the corresponding pension is gradually stable, and it will remain at around 5% from 20 18 to 2020.

How much can the pension increase in 2023?

After this year's pension adjustment, people who retired last year or before can participate in this year's adjustment. Now some people get a reissued pension. For example, recently, the Shanxi Provincial Department of Human Resources and Social Security announced that all the adjusted pensions have been paid in place, benefiting 2.92 million people. But some people who just retired this year can only wait for the pension adjustment next year. Therefore, whether pensions can continue to rise next year is also of concern to many people.

I think the continuous increase in pensions is a high probability event.

First, ensure the sustainable development of the pension system. Only when there is a return on investment will more people continue to invest in a product, and so will pension insurance. By the second quarter of this year, the number of people participating in the national endowment insurance had reached 654.38+0.4 billion. At the time of the seventh census, China's population exceeded 65.438+0.4 billion, which shows that the insured group is huge. The reason why so many people pay insurance premiums is that they can have money to maintain their basic living without hard work after retirement, and then they can take out part of their wages before retirement. Those who insist on paying fees need a steady stream of new insured forces to maintain their future pensions. Only by letting everyone see the return on investment of insurance continuously can we trust the basic old-age insurance.

Followed by prices and wages. From 202 1 to 2022, 3 1 provinces announced to raise the minimum wage standard. According to the National Bureau of Statistics, consumer prices rose by 2.5% in June. Article 18 of the Social Insurance Law clearly stipulates that pensions will be adjusted according to prices and wages. When the price rises to 2.5%, the income should also increase accordingly, which is reasonable and fairness should be reflected. If people who have not retired increase their wages, retired people naturally need to increase their pensions to meet people of all ages.