Is the rumor of lowering the pension true?

Recently, many experts on the Internet suggested that the annual increase of social security pension in China should be reduced. Or simply do not rise, in order to reduce the expenditure pressure of the social security bureau.

They think that this method of stopping the increase can solve the problem of insufficient pension. In order to make the social security pension flow smoothly, future generations can enjoy the benefits.

And many experts have given the following three reasons for returning slag beams.

First, the social security fund is losing money every year, and it can no longer afford to increase year after year.

What is the social security fund in China now?

Make ends meet.

In other words, the total amount of social security paid each year is less than the amount of pension paid. This leads to less and less money in the social security fund every year.

Moreover, the economic situation is not good now, and some projects invested by social security funds have not achieved good investment returns. According to the current growth rate, it won't be long before the social security bureau can't hold on. At that time, there will be no money to take it.

Many people think that if the current expenditure is maintained and the annual pension increase is cancelled, the pressure on the social security fund can be greatly alleviated.

Secondly, the average life expectancy in China is increasing every year.

According to the statistics of the National Health Commission, the average life expectancy in China has increased from 74 years to 78 years. This means that each pensioner will get about four years more money than before.

Like retiring at the age of 60 before the debate until the age of 74. There was a period of 15 years, and many pensioners just got back the money they had paid before.

However, it takes 19 years to retire from 60 to 78. Retirees can get an extra four-year pension, which means more costs. Most old people can get back the principal of social security. Besides, you can earn more money.

Many people think that only by canceling the annual increase can the losses of the Social Security Bureau be minimized.

Third: fewer and fewer newborns are born, and fewer and fewer people will pay social security in the future.

Like 70/80, there are many children at home and many brothers and sisters. Now young families are basically only children.

Even though the country has liberalized the second and third births, many young people simply don't want to have more children because of the pressure of life. It is difficult to raise one child, and it is even more difficult to raise two or three.

The number of newborns in our country is decreasing every year. In this way, there will be more and more elderly people in the future, and more and more people will receive pensions. There are fewer and fewer young people and fewer and fewer people pay social security.

Originally, the social security bureau was under great pressure, and the pension was increasing every year. Sooner or later, the social security bureau has no money to pay. At that time, this generation of young people, when they retire, may face the situation that their pensions are little or not paid at all.

Many people think that future generations should be considered more, so the pension should be prevented from rising.

The above three points are the reasons why many experts think that the pension increase should be stopped. It seems reasonable, but it can't stand scrutiny.

If we really stop increasing pensions in their way, the result may not be to solve the problem, but to make it worse.

The driving force that supports many people to pay social security is that pensions are increasing every year. If the increase is cancelled, the Social Security Bureau will only make things worse.

Like many flexible employees, they have paid social security for decades, and when they retire, their pension is only about 1000 yuan.

If you live in a small county town or a rural town on the 18 line, this thousand yuan can still meet the living expenses. But if you live in a big city, you have to pay the monthly property fee, water and electricity fee and gas fee, and the remaining departments only have enough steamed bread porridge for three meals a day.

Then why are these people so persistent in paying social security at their own expense?

It is because of social security pension that it is increasing every year. Maybe when I just retired, I only had a pension of 1000 yuan a month. However, I am not old enough to just retire, and I can do some temporary work to earn some extra money. Wages and pensions can be maintained at will.

After a few years, if you really can't do any work, you can only really retire. At this time, the social security pension has also increased from the original 1000 yuan to about 2000 yuan.

Although the money is not much, it can already meet the most basic living expenses. As long as you don't get sick and have accidents, it's not a problem to maintain your life.

When he was 70 or 80 years old, he received a pension for 20 years. Every month, the social security pension can receive more than two or three thousand. At this time, my old age life was finally completely better.

It can be said that most people pay social security, especially flexible employees pay social security at their own expense. The only motivation is that the social security pension is increasing every year.

If the social security pension is fixed from now on, it will not increase every year. That will seriously discourage many people from paying social security. Originally, the social security bureau had a serious deficit and no more income. Instead of solving the problem, it made it worse and worse.

So in this respect, social security pension can never stop increasing.

However, we can also see that the percentage of social security pension increase is gradually decreasing. The increase ratio of 202 1 is 4.5%, while this year's increase ratio is only 4.0%. It is estimated that the proportion of increase will continue to decrease next year.

The annual increase rate of pension is decreasing. But in any case, social security is also necessary.

When people are old, there is a big difference whether they have a pension or not. People with pensions can dance and play cards every day. People who have no pension can only rummage through trash cans every day, thinking about how to make a little money.

Especially when you can't move in bed, you will find that no son, daughter-in-law, daughter-in-law or son-in-law has a pension.