On this basis, adjust according to the newly published national unified personal account bookkeeping interest rate, that is, from 2065438+65438+ 10 to 65438 on June 30, 2006, interest will be calculated again at the bookkeeping interest rate of 8.3 1%, and a recalculated personal account list will be issued; From July, 2065438 to February, 3, 2065438, the bookkeeping interest rate was changed to 8.3 1%.
From 20 16 65438+ 10/0/day, the annual interest rate of employees who participated in the basic old-age insurance of enterprises before the establishment of individual accounts shall be implemented according to the bookkeeping interest rate of individual accounts of employees announced by the state for the same period. That is to say, since 20 16, the calculated interest of the money in the personal pension account has increased substantially every year, so the pension we get after retirement will also increase in the future.
After the adjustment of personal account bookkeeping interest rate, new retirees in 20 16 years should recalculate the basic old-age insurance benefits, and the benefits involved should be recalculated. The monthly pension received by retirees includes basic pension and personal account pension, and the personal account part is adjusted this time. For example, Lao Zhang retired last year and paid for 25 years, so his personal account balance for 25 years is now calculated according to 83 1%, instead of 2.6% implemented on 20 16. The interest difference of 5.7 1% in the middle is to make up his money.
Personal account pension = personal account deposit ÷ months (currently 50 years old 195, 55 years old 170, 60 years old 139). Personal account storage is the sum of endowment insurance premium and accumulated interest every year. If the balance is 200,000 yuan, after interest adjustment, the annual interest will be 6,543,800 yuan more. Lao Wang, who retired last year, has to pay back the interest difference around 82 yuan every month, which means that his pension has increased by 100 yuan.