What is the relationship between the amount of personal contributions in social security personal accounts and the principal and interest?

The principal of individual contributions of endowment insurance refers to the amount of individual contributions, and the principal of individual accounts of endowment insurance refers to the total contributions of units and individuals. Can not be refunded, but can be withdrawn according to the purposes stipulated in the provident fund, including principal and interest. The principal of pension account and occupational annuity (enterprise annuity) are almost the same, both of which are included in personal account, but the proportion of personal account is only 8%, while the proportion of occupational annuity is 12% (unit contribution is 8%, individual contribution is 4%), and the calculation method is similar, which is based on the total amount of personal account divided by the corresponding calculation month. While paying the old-age insurance, I paid the occupational annuity, which is higher than the personal account pension. The biggest difference between the two is that the occupational annuity will not be collected after receiving the corresponding calculation months, while the personal account pension belongs to lifelong collection. After receiving the calculation months corresponding to the personal account, the overall fund will continue to pay, and the total amount of basic pension will not be reduced.