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Different from ordinary bank financing, funds and commercial insurance, individual pension contributions can enjoy preferential policies of deferred taxation.World Wide Web. Five departments: Individual pension system is pushed to the whole country. December 12, 2024.Different from ordinary bank financing, funds and commercial insurance, individual pension contributions can enjoy preferential policies of deferred taxation.

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.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.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.

Personal pension is operated by a professional and mature asset management institution, which can help the pension assets in the personal pension account realize long-term appreciation. At the same time, the personal pension fund is special, which can help individuals to accumulate compulsorily and better protect retirement.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.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.