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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.If you pay for 15 years, the personal pension account is 180,000 without calculating interest, and 180,000 divided by 139 months (if you retire at the age of 60) is equal to 1,288 yuan.

Different from ordinary bank financing, funds and commercial insurance, individual pension contributions can enjoy preferential policies of deferred taxation.The situation varies from place to place, and the above can be used for reference.In addition, in order to promote the preservation and appreciation of pensions, on the basis of existing financial products such as wealth management products, specific pension savings and index funds are included in the catalogue of personal pension products.

Personal pension is operated by a professional and mature asset management institution, which can help the pension assets in the personal pension account realize long-term appreciation. At the same time, the personal pension fund is special, which can help individuals to accumulate compulsorily and better protect retirement.References:In addition, in order to promote the preservation and appreciation of pensions, on the basis of existing financial products such as wealth management products, specific pension savings and index funds are included in the catalogue of personal pension products.