Can I withdraw money from my personal pension account when I retire?

Legal analysis: no, under normal circumstances, pension insurance can't be taken out. Only under some special circumstances, such as going abroad to settle down, repeatedly participating in insurance or the death of the insured, can the old-age insurance be taken out.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 14 Individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.

Article 17? If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.