What is the proportion of old-age insurance included in personal accounts?

The proportion of old-age insurance credited to personal accounts is 8%, and enterprises pay the basic old-age insurance premium at the rate of 20%. There are upper and lower limits on the individual contribution base. There are three kinds of calculation of personal account pension, one is planned pension, the other is personal account pension and the third is basic pension. The proportion of old-age insurance credited to personal accounts is 8%, and enterprises pay the basic old-age insurance premium at the rate of 20%. There are upper and lower limits on the individual contribution base. There are three kinds of calculation of personal account pension, one is planned pension, the other is personal account pension and the third is basic pension.

1. What is the proportion of endowment insurance in personal accounts? The proportion of individual accounts for endowment insurance is as follows:

The enterprise takes the sum of all employees' payment wage bases as the payment wage base of the enterprise, and pays the basic old-age insurance premium according to the proportion of 20%, all of which are included in the overall fund. The average monthly salary of employees above the annual level is the base of payment salary.

The individual contribution rate of endowment insurance is 8%, which is fully included in the individual account. In addition, I would like to remind you that the base of individual contributions has set the upper and lower limits. If it is lower than 60% of the average monthly salary of employees in this Municipality last year, 60% of the average monthly salary of employees in this Municipality will be used as the base of payment; More than 300% of the average monthly salary of employees in this Municipality last year is not included in the base of payment salary. The endowment insurance fund mainly comes from the endowment insurance premiums paid by enterprises and individuals according to the proportion of endowment insurance contributions.

Second, how to calculate the personal account pension calculation method:

1. Pension = basic pension+personal account pension.

2. Personal account pension = personal account storage amount ÷ months.

3. Basic pension = (average monthly salary of employees in the province last year+average monthly payment salary indexed by myself) ÷2× payment period × 1% = average monthly salary of employees in the province last year (1+ average payment index by myself) ÷2× payment period × 1%.

3. Can I withdraw the balance of the social security pension account? No. According to the relevant regulations, the personal account of endowment insurance shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. When an individual dies, the balance of the individual account can be inherited.