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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.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.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.

The situation varies from place to place, and the above can be used for reference.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.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.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.