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The situation varies from place to place, and the above can be used for reference.Different from ordinary bank financing, funds and commercial insurance, individual pension contributions can enjoy preferential policies of deferred taxation.According to the news of Viewpoint.com, the number of individual pension accounts in China has exceeded 70 million, and the number of products available for investment has reached 836.

In the traditional sense, pensions are roughly calculated like this. If you start collecting after the age of 60 and live an average life of 78 years, you can get 18 years. If you catch up with the longest period of delayed retirement, you can get 15 years if you retire at the age of 63. In addition, if you live 80+ or 90+, you will get more.Individuals voluntarily deposit a sum of money in a specific account, which does not exceed 12,000 yuan per year, that is, it does not exceed 1000 yuan per month.In addition, in order to promote the preservation and appreciation of pensions, on the basis of existing financial products such as wealth management products, specific pension savings and index funds are included in the catalogue of personal pension products.

If you pay for 15 years, the personal pension account is 180,000 without calculating interest, and 180,000 divided by 139 months (if you retire at the age of 60) is equal to 1,288 yuan.The individual pension system has been extended to the whole country.Maybe it can be understood this way. The personal pension system is a supplement to the old-age insurance. Compared with the old-age insurance for urban and rural residents, it has a wider range of objects, including both non-employed urban and rural residents and urban workers. There is no limit on the payment period; By adopting market-oriented investment operation, you can buy wealth management products, funds, etc., and the rate of return may be higher than that of fixed deposits; It can be tax preferential, which is more clear than the tax on endowment insurance for urban and rural residents; Treatment depends entirely on the accumulation of personal accounts and investment income.