Pensions are rising again.

Pensions are rising again this year. Is social security really profitable? It is understandable that some people think so. Pensions are rising again this year, and it is rising at a rate of 3.8%. Moreover, this year's pension increase is also the continuous upward trend in the first 19 year since the pension increase. It can be said that this is very gratifying news. After all, we can actually get higher retirement pension income. As a general retiree, it must be very good news.

But for some people, this news seems incomprehensible. They always think that social security is really profitable. In fact, to say whether social security is very profitable, the answer is of course very profitable. But don't forget, there are 654.38+300 million retired people in China, and the aging of the population will become more and more serious in the future. This means that the total number of people receiving pensions will increase, and the total number of people paying social security may gradually decrease. In this case, the advantage of demographic dividend will not exist, the dependency ratio will be lower, and the pressure on social security funds will naturally be greater.

Social security is actually the earliest. I think it was probably the investment market. At that time, the annualized income level was even less than 3%. This is a very low income level, but after entering the market, it can even reach the standard of more than 8% at the highest time. Obviously, this rate of return on investment is definitely not a very low income level in the eyes of some investment and wealth management people. So being able to reach this income level shows that social security is really profitable.

But I want to tell you that the social security fund is very profitable, but the rate of return earned can't be offset at all. The problem caused by the gap between income and expenditure of social security funds means that many provinces and regions have seen the gap of social security funds, and the gap of social security funds is largely completed through the central adjustment of social security funds, rather than the so-called social security investment. So in essence, the adjustment of pension is not necessarily related to making money through social security.

The constant adjustment of pension is directly related to the overall balance of social security fund, because the overall operation of social security fund in China is still very stable and constantly balanced, so it is the normal adjustment of pension and also a kind of care and concern for retirees. It is more important to give hope and yearning to the young people who are participating in social security today, because when the insured see the continuous improvement of pensions, they are more confident and willing to participate in social security, thus forming a virtuous circle. I think as a young man, it is more important for him to participate in a social security, so that he can have a stable pension in the future, which not only ensures his retirement life in the future, but also ensures that he has a good pension treatment growth, which can play a role in maintaining and increasing value.