惠及约1.5亿退休人员！2025年基本养老金再涨2%

Core Viewpoint - The Chinese government will increase the basic pension by 2% starting January 1, 2025, benefiting approximately 150 million retirees, reflecting the government's commitment to improving the welfare of its citizens [1][2]. Group 1: Pension Adjustment Details - The 2% increase is based on the average monthly basic pension of retirees as of 2024, but individual increases may vary [2]. - The adjustment will utilize a combination of fixed adjustments, link adjustments based on individual contributions, and targeted increases for specific groups, such as the elderly and those in remote areas [3][4]. - The final pension increase for individuals will depend on the sum of these three components, with lower pensioners receiving a higher percentage increase [4]. Group 2: Financial Sustainability - The number of retirees is expected to rise as the population born during the 1960s reaches retirement age, which will increase pension fund expenditures [4]. - In 2024, the income from the enterprise employee basic pension insurance fund is projected to be 7.5 trillion yuan, with expenditures at 6.8 trillion yuan, indicating a slight surplus [4]. - The central government has increased its financial support for pensions, and the pension insurance system has transitioned to a nationwide pooling mechanism to better support regions with financial difficulties [5]. Group 3: Pension Fund Reserves - The cumulative balance of the enterprise employee basic pension insurance fund is expected to reach 7.1 trillion yuan in 2024, with the national social security fund holding over 2.6 trillion yuan in strategic reserves [6]. - The central government has transferred 1.68 trillion yuan of state-owned capital to bolster the social security fund [6].