How to inquire about enterprise annuity

If there is an enterprise annuity these days, it will be envied by many people, saying that the unit is big and the welfare is good!

Do you know what an enterprise annuity is? How much enterprise annuity do you have? How to withdraw after retirement?

If you don't have an enterprise annuity and want to gossip about the benefits that only large enterprises have, you can also look down.

If you are hesitant to pay an enterprise annuity, don't miss this article! After reading it, you will understand the benefits of enterprise annuity.

1. What is an enterprise annuity?

Enterprise annuity refers to the supplementary old-age insurance system independently established by enterprises and their employees on the basis of participating in basic old-age insurance according to law.

The earliest enterprise annuity system originated from western countries. Because they entered the aging society earlier than us, in order to cope with the shortage of pension, enterprise annuity was adopted as a supplement to pension.

And we also learn from the successful experience of the west. As early as 2004, we launched the Trial Measures for Enterprise Annuity. After years of pilot implementation, China officially launched the "Enterprise Annuity Measures" in 20 17.

By 2020, 1 10,000 enterprises in China have established enterprise annuities, involving 2710.7 million employees, accounting for about 3% of the total working population.

So, if you have an enterprise annuity, congratulations! Get into the unit!

Second, how to pay the enterprise annuity?

Speaking of this, some friends may touch their hair and ask: Is it really that good? ! After deducting the enterprise annuity, you get less money!

Here, let's take a look at how the enterprise annuity is paid.

Enterprise annuity payment is divided into two parts: employee individual payment and enterprise payment.

Generally speaking, the company will establish an enterprise annuity plan, and set the ratio of employees' individual contributions to enterprises' contributions.

For example, individual payment: enterprise payment = 1: 4.

If Betty Wong Jr.' s salary is 1 1,000 yuan, the individual pays the occupational annuity 1 1,000 yuan every month, and the company pays 400 yuan; If Xiao Wang chooses 200 yuan every month, the company will give it to 800 yuan.

According to the Enterprise Annuity Measures, the payment is also capped. Otherwise, such a good opportunity, Xiao Wang paid all his salary, and the company didn't close!

Article 15 of the Measures for Enterprise Annuity stipulates that the enterprise payment shall not exceed 8% of the total wages of employees every year. The total contributions of enterprises and employees shall not exceed 12% of the total wages of employees of the enterprise.

When we understand how to pay the enterprise annuity, we will definitely ask: Where did our money go?

3. Where did the paid enterprise annuity go?

Whether individuals pay or companies pay, money will flow into a fund pool called "enterprise annuity fund".

The enterprise annuity fund is handed over to professionals for investment and operation to realize the appreciation of enterprise annuity assets. When someone retires, he can realize part of his enterprise annuity from the fund pool.

Guojia has successively promulgated two management measures for enterprise annuity funds, namely, the Measures for the Management of Enterprise Annuity Funds and the Interim Measures for the Qualification of Enterprise Annuity Fund Management Institutions, and subsequently formulated the Operating Procedures for the Management of Enterprise Annuity Funds, the Specification for Enterprise Annuity Fund Account Management Information System and the Rules for the Evaluation of Qualification Experts of Enterprise Annuity Fund Management Institutions.

Among them, the Measures for the Administration of Enterprise Annuity Funds stipulates the investment scope and proportion of enterprise annuities:

It can be seen that the mainstream investment direction of enterprise annuity is deposits and bonds, and the proportion of medium and high-risk investment stocks is required not to exceed 30% of the net value.

The Measures for the Administration of Enterprise Annuity Funds and the Interim Measures for the Qualification of Enterprise Annuity Fund Management Institutions set threshold requirements and supervision mechanisms for institutions to be managers, custodians and investors of enterprise annuities, so as to ensure that enterprise annuities follow the principle of trust law and protect the rights and interests of employees of the Bank to the greatest extent.

For more details, please click on the links: Measures for the Administration of Enterprise Annuity Funds and Interim Measures for the Qualification of Enterprise Annuity Fund Management Institutions.

Fourth, how to extract the enterprise annuity? How much can I get for retirement? 1, how to extract enterprise annuity?

I see. Where did the money go? What we are most concerned about is how to withdraw the enterprise annuity.

Generally speaking, there are only the following three situations to receive an enterprise annuity:

1 After reaching the statutory retirement age, you can receive the enterprise annuity from your personal account on a monthly, phased or one-time basis;

(2) after going abroad (border) to settle down, you can pay me in one lump sum according to your requirements;

If a person dies after work or retirement, the balance of his personal account of enterprise annuity can be inherited.

The master elder brother reminded that the enterprise annuity is still invested and operated by the enterprise annuity fund in the collection stage, and the net value of the fund will change every month.

Individuals receive enterprise annuities from their accounts on a monthly basis until they spend them. Unlike the social security personal account pension, you can continue to receive it if the account balance is zero.

2. How much can I get from enterprise annuity retirement?

Theoretically, how much to collect depends on the balance of the account, how to collect it, and how to increase the value of the account during the collection period.

For example:

Lao Wang retired with an enterprise annuity personal account of 360,000 yuan, and Lao Wang Can chose to receive 360,000 yuan in one lump sum.

Old monthly also receive 3000 yuan (the specific amount can be selected), according to the account balance:

Months of collection = account balance/monthly collection amount = 360,000/3,000 pieces = 120 months.

At least you can get 10 years.

However, due to the appreciation of the enterprise annuity account in 10, Lao Wang actually received more than 10.

Then how much money do we care about our enterprise annuity account?

5. How to inquire about the enterprise annuity?

Speaking of how to inquire about the balance of personal account of enterprise annuity. Senior brother has compiled the following three methods:

1, the official account or APP of enterprise annuity manager WeChat.

Enterprise annuities are generally managed by professional companies, which may be insurance companies, fund companies or asset management companies. We can log in to the official WeChat account or APP of the enterprise annuity manager to check the balance of account assets.

2. official website inquired about the enterprise annuity.

We can also log in through official website's personal account, the enterprise annuity management company.

Inquire about current assets and check the latest enterprise annuity account balance.

3. APP query of enterprise annuity custodian bank

The enterprise annuity will find a custodian bank. Therefore, we can also log in to the custodian bank APP or website, search for enterprise annuity, and click to find the location to query the balance of enterprise annuity account.

If you can't find the above three methods, or you don't know which one is your enterprise annuity management company and custodian bank, you can consult Miss HR. ..

6. Is the enterprise annuity worth paying?

Going back to the last article, a friend asked, is the enterprise annuity really that good?

At first glance, after paying, you get less salary. Is this enterprise annuity still worth paying?

Brother, let me help you analyze it briefly here. The enterprise annuity value is not worth paying, at least three factors should be considered:

1, the proportion of enterprise contributions and individual contributions

As mentioned above, the enterprise annuity plan will set the contribution ratio of enterprises and individuals.

Some plans give employees extremely generous treatment, such as:

We can see that individuals pay 2326 yuan,

Enterprises pay 2326 × 8 = 18608 yuan, which is 8 times that of individuals!

Think about it, if you can get all the enterprise annuity, it will be at least 8 times of your contribution! Which investment can have a return of 8 times? !

2. How long will it take to get the enterprise contribution?

Some people will say: Are you 8 times reliable?

Why didn't I have that money when I left? !

Don't worry! Annuities paid by enterprises are sometimes not available. Because each company has a different enterprise annuity policy.

Some companies will give you the annuity paid by the enterprise at the beginning.

However, more companies will set the working years, and only after you have worked for several years can you get the corresponding proportion of corporate contributions.

For example, an enterprise annuity plan has the following arrangements for the proportion of employees' contributions to the enterprise:

According to the above plan, if you change jobs within three years, you can only take away part of the enterprise annuity you paid.

If you work for 3-5 years, you can get general remuneration from the enterprise; After working for 5-8 years, you can get 75%; After working for 8 years, you can get all the enterprise annuities.

Here, the master elder brother reminds that according to the Measures for Enterprise Annuities, the enterprise contribution part of enterprise annuities and its investment income can be completely attributed to individual employees for up to 8 years.

In other words, if you have worked in a company for 8 years, the company must put the enterprise annuity paid into your name. If you are an old employee, you must pay attention to whether you are 8 years old.

If you are not sure whether you will leave your job in the future, Master Brother suggests that you pay the enterprise annuity first. You will work quickly and earn it in three years in a blink of an eye.

If you really plan to change jobs in a year or two, you'll have to take the part you paid the annuity. It is equivalent to saving a little money, and you can only take it after retirement.

So is it better to invest by yourself than to pay an annuity?

Then we must take a look:

3. Return on investment of enterprise annuity

Whether to invest in yourself or put it in an enterprise annuity depends first on the rate of return.

The investment style of enterprise annuity fund is more stable. Let's look at the return on investment since 2007-2020:

In the years of loss, most of the income remained above 3%. Excluding the special influence just established in 2007 and 2008, the annual average rate of return of enterprise annuity is not very high, but it has the advantage of small fluctuation, which is more in line with the investment purpose after retirement.

If your investment income is less than 5%, or you like stable income, enterprise annuity is a good choice for you.

If you have high annualized income in the past, or you pursue high income, the enterprise annuity will lock in some of your funds.

Have you made that clear? Brother, I'll comb it for you again:

See if you pay one copy, and how many copies does the company pay?

See how long you work, and how much can the unit give you?

What are your expectations for the return on investment? What is the investment performance?

Considering the above three points and your actual needs, you should know whether the enterprise annuity is suitable for you.

Seven. FREQUENTLY ASKED QUESTIONS

Finally, I will add some dry goods to you and talk about common problems related to enterprise annuity.

1. How to pay taxes on enterprise annuities?

Unlike social security pension, enterprise annuity still needs to be taxed.

This tax is not paid when you pay it, but when you return it.

What about the tax on enterprise annuity?

Generally speaking, we will encounter three situations:

Normal monthly retirement, one-time normal retirement, going abroad or accepting death.

Let's take a look at it separately:

Normal retirement 1 monthly payment, applicable to the monthly tax rate table.

Lao Wang retired at the age of 60, with an enterprise annuity balance of 360,000. He decided to withdraw it at 3000 yuan per month.

Monthly tax rate table

Monthly tax amount = tax payable × tax rate-quick deduction = 3000 × 3% = 90 yuan.

Suppose the annuity balance is 360,000 yuan, a * * * has been received for 120 months (excluding account appreciation), and the total tax payment is 10800 yuan.

2. For normal retirement, the monthly tax rate table shall be applied to calculate the tax payment.

Lao Wang retired at the age of 60, with an enterprise annuity balance of 360,000. He intends to withdraw the enterprise annuity at one time.

Tax = tax payable × tax rate-quick deduction = 360000× 45%-15160 =146840 yuan.

3. If you go abroad or die, the comprehensive income tax rate table shall be applied for tax payment.

Xiao Liu intends to immigrate and settle down. Before leaving, he decided to settle the balance of the enterprise annuity account, which still contained 360 thousand.

Comprehensive income tax rate table

Tax = tax payable × tax rate-quick deduction = 360000 × 25%-3 1920 = 58080 yuan.

The total tax payment of the above three types is 10,000 yuan, 10,000 yuan and 10,000 yuan respectively. We can see:

It is the lightest tax burden to receive enterprise annuity on a monthly basis after retirement;

If you choose to receive it in one lump sum, the tax paid for going abroad or dying is much lighter than that for normal retirement.

Therefore, all this shows that it is very uneconomical not to withdraw the enterprise annuity at one time in normal retirement.

For more information on enterprise annuity tax policy, please click the link: How do individuals receive enterprise annuity and occupational annuity treatment?

2. What if the enterprise annuity resigns?

According to the enterprise annuity method, there are two situations after resignation:

If the new company you find also pays the enterprise annuity, the personal account rights of the original enterprise annuity can be transferred to the enterprise annuity of the new employment unit.

If your follow-up company does not have an enterprise annuity, or you are temporarily vacant, your enterprise annuity account can be temporarily managed by the original management organization.

3. The difference between enterprise annuity and occupational annuity

Recently, I have often heard that there are three pillars for providing for the aged, and the second pillar is the enterprise (occupational) annuity. Some friends are curious, are enterprise annuities and occupational annuities the same thing?

Brother, remind me that enterprise annuity is a supplementary pension for enterprises, and occupational annuity is a supplementary pension for institutions. There are still many differences between them. For example:

Enterprise annuities are paid voluntarily, while occupational annuities are compulsory.

Enterprise annuity, you can set the proportion of enterprise contributions and individual contributions, as long as it meets the requirements of the Enterprise Annuity Measures;