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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.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.

World Wide Web. Five departments: Individual pension system is pushed to the whole country. December 12, 2024.This 1288 yuan plus your local basic pension is what you can get. If the foundation is 400, you can get 1688. The base is 200, and you can get 1488.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.Different from ordinary bank financing, funds and commercial insurance, individual pension contributions can enjoy preferential policies of deferred taxation.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.