According to the "Measures for the Implementation of Individual Pensions", after the individual pension is paid, the operating institution will invest with the principal to realize asset appreciation. The amount received after retirement is closely related to the balance of individual pension account. Everyone's account balance is divided into two parts: one part is the principal paid by the insured, and the other part is the investment income generated.

Personal pension fully reflects the personal wishes of the insured. In addition to whether to pay or not, how much to pay each year is entirely up to the individual, and how to use the money paid is also up to the insured.

According to the provisions of Article 2 of the Measures, "the payment is entirely borne by the insured, and they can choose to buy financial products such as savings deposits, wealth management products, commercial endowment insurance and public offering funds that meet the requirements". Therefore, the choice of personal pension investment varieties determines how much to receive in the future.

Short-term fluctuations are normal and long-term returns are guaranteed. Although there may be losses in the personal pension account in theory, it is more reasonable to evaluate the long-term income because the personal pension account has the characteristics of closed accumulation and long-term investment, and it is not allowed to withdraw in advance except for special circumstances such as retirement. It is normal for Xiao Ming's account balance to fluctuate in the above short-term rate of return, but if the term is extended, the long-term income of personal pension account will be guaranteed by investing for twenty or thirty years.

The data shows that the annualized rate of return of the National Social Security Fund in the past 20 years has exceeded 8%, and the annualized rate of return of the enterprise annuity in China has also exceeded 7% since 2007. Therefore, it is appropriate to pay attention to the long-term scenery, and we should not care too much about short-term fluctuations.