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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.World Wide Web. Five departments: Individual pension system is pushed to the whole country. December 12, 2024.References:

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.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.In addition, there are also situations in which you can get it in advance, such as completely losing your ability to work, going abroad to settle down, suffering from serious diseases, receiving unemployment insurance benefits to certain conditions, or receiving the minimum living allowance.

So how much can you get after retirement? There will be regional differences in this. The calculation method of pension is the sum of local basic pension and personal account pension, which is the specific number you can receive.The individual pension system has been extended to the whole country.Different from ordinary bank financing, funds and commercial insurance, individual pension contributions can enjoy preferential policies of deferred taxation.