1. What is the interest rate of personal pension? The personal account accounting interest rate of basic pension insurance for urban employees (including basic pension insurance for employees in government agencies, institutions and enterprises) in 2022 is 6.12%.

Interest on all savings in personal pension insurance accounts is settled in the natural year.

The interest on personal pensions is calculated based on the bank's demand interest for the same period.

2. Does retirement personal account pension have interest? Personal pension account has interest. Pension insurance personal account accounting interest rate refers to the interest calculated by the social insurance agency on the savings in the personal account every year, which is used to calculate the savings in the personal account.

The interest rate is called the personal account accounting interest rate.

According to the provisions of my country's Social Insurance Law, personal pension insurance accounts are not allowed to be withdrawn in advance, the accounting interest rate cannot be lower than the bank time deposit interest rate, and interest tax is exempted.

At present, the Chinese government has not formulated unified regulations on the interest rates for individual pension insurance accounts.

It is generally determined and announced by the people's governments of each province, autonomous region, and municipality directly under the Central Government with reference to factors such as bank deposit interest rates for the same period.

At present, the personal account accounting interest rates of pension insurance in various provinces and cities in my country mainly refer to the following three aspects: 1. Determined by referring to the average salary growth rate of local employees in the previous year; 2. Determined based on the bank’s resident time deposit interest rate; 3. According to the pension insurance fund Actual revenue from operations is determined.

The interest rate on retirement and pension fund deposits is calculated based on the interest rate on personal savings deposits of urban and rural residents. If the deposit period is less than three years, the interest rate is calculated on the actual deposit period.

According to regulations, interest on deposits in banks should be calculated at regular interest rates. However, the entire deposit receipt and disbursement business continues to occur, and the calculation standards are not clear, and the implementation standards vary from place to place.

Personal pension accounts bear interest.

The Ministry of Human Resources and Social Security issued the "Notice on Issuing the Measures for Unifying and Standardizing the Accounting Interest Rates for Employees' Pension Insurance Individual Accounts". The interest rates for the individual account accounting for basic pension insurance for employees in government institutions, institutions and enterprises are announced by the state every year.

Social insurance agencies calculate interest on the amount stored in personal accounts every year. The interest rate used to calculate interest on personal account storage is called the personal account accounting interest rate.

The determination of the accounting interest rate mainly takes into account factors such as employee salary growth and fund balance status, and is adjusted through reasonable coefficients.

The bookkeeping interest rate shall not be lower than the bank time deposit interest rate.

The personal account accounting interest rate for basic employee pension insurance is announced by the Ministry of Human Resources and Social Security and the Ministry of Finance every June.