The annualized rate of return of personal pension is the income obtained by individuals paying pension insurance premiums to pension fund accounts. The rate of return of the fund account is determined by the assets scale, investment target, management expenses, risk control and other factors of the fund company. Individuals choose their own fund accounts according to their risk tolerance and knowledge of investment and financial management. In order to get a better return. When choosing a fund account, you can consider the following factors: 1. Historical performance: observe the historical performance of the fund, understand its performance in different market environments, and judge its investment ability; 2. Management expenses: pay attention to the fund management expenses and sales expenses that have a great impact on the fund's income; 3. Risk control: the fund should have a certain risk control mechanism to prevent investment losses; 4. Investment objectives: Understand the investment objectives of the fund and judge whether it meets personal investment objectives and risk preferences. It should be noted that the annualized rate of return of individual pension is not fixed and may be affected by macroeconomic and market conditions. Therefore, investment decisions should consider long-term trends rather than short-term fluctuations.
How is the income of individual pension account calculated? The income of individual pension account mainly includes two parts, one is the payment of principal, and the other is the income generated by fund account. The specific calculation method is to divide the sum of principal and income by the payment time, and the average annualized rate of return can be obtained.
The annualized rate of return of personal pension is the income obtained by individuals paying pension insurance premiums to pension fund accounts. Investment decision-making needs to fully consider personal risk tolerance, investment and financial management knowledge, and understand the historical performance, management expenses and risks of the fund, so as to make wise investment decisions.
Legal basis:
Article 45 of the Social Insurance Law of People's Republic of China (PRC), individuals shall participate in social endowment insurance according to law and pay the endowment insurance premium monthly. The payment of old-age insurance premiums shall be subject to the personal account system, and the old-age insurance premiums included in the personal account shall be borne by the individual, and the profits and losses shall be borne by the individual.