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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.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.

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

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 individual pension system has been extended to the whole country.References: