Enterprise annuity is established voluntarily by enterprises and is a supplement to the old-age insurance system. Some units didn't, some units used to, but later they didn't because of poor efficiency. So, what about the loss of enterprise annuity? Below, I sorted out the relevant contents of the loss of enterprise annuity. Come and have a look with me. I hope it helps you.

First, how to deal with the loss of enterprise annuity

After the implementation of enterprise annuity, if the enterprise encounters operating losses, reorganization and merger, etc. Payment cannot be continued in the current period, and payment can be stopped after consultation with employees. After the situation that payment cannot be continued disappears, enterprises and employees can resume payment, and when payment is suspended, they can pay back according to the actual situation of the enterprise and the enterprise annuity plan. The period and amount of overdue payment shall not exceed the period and amount of actual suspension of payment.

The purpose of enterprise annuity fund investment is to maintain and increase the value of annuity fund, but as an investment, its future income level is inevitably uncertain, and even losses may occur. At present, China implements a "fixed contribution" annuity plan, which sets the payment level of enterprises and individuals in advance, and the payment level of benefits is completely determined by the accumulated amount of personal accounts and investment income. Therefore, in the case that the annuity management institution faithfully performs its duties, once the fund loses money, the part after deducting the risk reserve shall be borne by the beneficiary.

In view of this, enterprises and employees should fully consider their own risk tolerance when formulating investment strategies and choosing investment portfolios, and choose their own investment methods to obtain the maximum benefits under controllable risks.

Second, enterprise annuity.

Enterprise annuity is an important supplement to the national basic old-age insurance, and it is the "second pillar" to improve the old-age insurance system for urban workers in China (consisting of basic old-age insurance, enterprise annuity and personal savings old-age insurance). In countries with modern social insurance system, enterprise annuity has become a common supplementary pension plan for enterprises, also known as "enterprise annuity plan" or "occupational annuity plan", and has become an important part of the old-age insurance system in the host country.

By establishing personal accounts, enterprises and employees pay insurance premiums regularly according to a certain proportion (in which employees pay less or not), and the level of enterprise annuity when employees retire depends on the scale of capital accumulation and its investment income.

Tip: What about the loss of enterprise annuity? If the enterprise annuity loses money, it will affect the welfare of employees. Therefore, payment can be suspended through consultation with employees. And according to the actual situation of the enterprise, payment can be resumed.