The occupational annuity fund implements personal account management. Accumulated actual account of individual contributions. For the unit that pays the full financial fee, the unit pays the fee by bookkeeping according to the information provided by the unit, and calculates the interest every year according to the bookkeeping rate uniformly announced by the state. Before the staff member retires, the accumulated storage amount of his occupational annuity account is recorded by the funds allocated by the finance at the same level.

For units that are not fully funded by finance, the unit payment shall be accumulated in the actual account. The occupational annuity fund formed by the accumulation of real accounts shall be market-oriented and bear interest according to actual income.

Occupational annuity has four main components:

(1) unit payment.

(2) individual payment.

(3) Income from investment and operation of occupational annuity funds.

(four) other income as prescribed by the state.

Occupational annuities have only personal accounts, but no overall accounts. Both the unit payment part and the individual payment part enter the personal account. In other words, the money that goes into your account will always be yours.