With the development of the economy and society, not only are there more and more employees earning tens of thousands of yuan per month, but there are also a considerable number of elderly people with pensions exceeding 10,000 yuan. In 2023, the average monthly wage of employees in urban non-private units in China reached 10,058.17 yuan. How many retired elderly people have pensions exceeding 10,000 yuan?

Based on the current situation, retired personnel in China are mainly divided into the following three major categories.

1. Beneficiaries of the urban and rural residents' endowment insurance, although there are more than 160 million people in this category, their pensions are impossible to exceed 10,000 yuan.

The pension for the urban and rural residents' endowment insurance mainly consists of two parts: the basic pension and the personal account pension. Most people do not make contributions, or they contribute at a very low level to receive the pension, resulting in a meager personal account pension. The annual increase in pensions is mainly to raise the basic pension. Currently, the national minimum standard for the basic pension is 103 yuan, and it will be increased by another 20 yuan in 2024. The highest region in the country is Shanghai, which has reached 1,490 yuan.

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At the end of 2022, the number of beneficiaries of the urban and rural residents' endowment insurance was 164.64 million, and the expenditure of the endowment insurance fund was 404.4 billion yuan, with an average of just over 200 yuan per person per month.

2. The pension level of retired enterprise employees. According to the expenditure situation of the pension insurance fund published by the Ministry of Finance, in 2022, the total expenditure of pensions for retired enterprise employees in China was 4,143.6 billion yuan.

At the end of 2021, the number of people implementing the enterprise retirement system was 111.265 million, and at the end of 2022, the number of people implementing the enterprise system was 115.309 million. After calculation, the number of people receiving pensions in 2022 was 113.287 million.

On average, based on the number of people, the monthly basic pension per person is less than 3,050 yuan.Due to the average being higher than the median, it is estimated that only 40% of retired corporate employees receive a pension exceeding 3,050 yuan. As the level of pensions increases, the number of people with higher pensions becomes even more scarce. For instance, those receiving over 6,000 yuan are expected to account for only 10% of all retired corporate employees. The number of people with pensions exceeding ten thousand yuan is estimated to be around 2% of the total, with approximately 2.3 million individuals.

Generally speaking, for corporate retirees to have a pension exceeding ten thousand yuan, the contribution period typically needs to exceed 40 years, and it is best to retire in places like Beijing, Shanghai, or Shenzhen, where the pension calculation base exceeds ten thousand yuan. The average contribution index needs to reach 2.0 or even above 3.

③ For retired personnel from government and public institutions, the average number of pension recipients in 2022 was 20.718 million, with pension expenditures amounting to 1,502.77 billion yuan, resulting in an average monthly basic pension benefit of 6,045 yuan per person.

The average pension level for retired personnel from government and public institutions is much closer to 10,000 yuan. Assuming that 20% of this group can receive a monthly pension of over 10,000 yuan, this would account for more than 4.1 million people.

For retired personnel from government and public institutions to have a pension exceeding ten thousand yuan, it is generally necessary to have a longer working history, preferably over 40 years. Additionally, having a higher rank at the time of retirement, such as a department-level official or a professional with a senior professional title, increases the likelihood of receiving a monthly pension of ten thousand yuan.

Therefore, when adding the number of corporate retirees and retired personnel from government and public institutions who have a monthly pension exceeding 10,000 yuan, the total number is approximately over 6.4 million.

Overall, as the average social wage and pension levels continue to rise, the number of people with a pension exceeding ten thousand yuan after retirement is increasing. Having a monthly pension of over ten thousand yuan can fully ensure a comfortable retirement life, and it is hoped that more and more elderly people will enjoy such a benefit. #Top Headline Creation Challenge# #Pension#