Theoretically speaking, it is possible for individual pension accounts to lose money. However, because individual pension accounts are characterized by closed accumulation and long-term investment, it is not allowed to withdraw in advance except in special circumstances such as retirement, so it is more reasonable to assess the long-term rate of return.

A public offering of securities investment funds that investors hold for a long time, adopt a mature asset allocation strategy and reasonably control the risk of portfolio fluctuation. Any investment has certain risks.

Personal pension shall not promise or publicize the guaranteed income. The maximum amount of personal pension paid by participants is 12, yuan per year, and no overpayment is allowed.

participants choose to buy personal pension products independently, that is, they decide on their own asset allocation schemes and investment plans, including but not limited to investment varieties, investment amount, transaction frequency, etc., and bear investment risks according to law.

Personal pension products should have the basic characteristics of safe operation, maturity and stability, standardized target and long-term value preservation. However, different product attributes have different investment risks and returns.

when we pay attention to the problem of providing for the aged, we should pay attention to the index of pension replacement rate, that is, the ratio between the pension level of workers at retirement and the wage income level before retirement, which is one of the important indexes to measure the difference of living security level of workers before and after retirement.

There are many kinds of personal pension products. Participants should fully consider their own risk tolerance and choose the appropriate products. Bank savings, bank financing, insurance products and funds all have their own characteristics.

participants can choose and allocate according to their family situation, income status, liquidity status, age and other factors, and can adopt fixed investment and diversified investment.