In the social endowment insurance we pay, it is divided into two parts: enterprise payment and individual payment, in which the enterprise payment is credited to the overall account and the individual payment is credited to the personal account, but whether it is credited to the overall account or personal account, it is just a bookkeeping method. Although the money credited to a personal account belongs to personal assets, it is managed by the social insurance fund in a unified way. The social security fund is no different from the big housekeeper of our personal account, helping us manage the account and invest in financial management. No matter how much money we earn, it belongs to ourselves and part of our personal account.
Our own personal pension insurance account will generate a fund balance every year, including two parts. The first part is the capital we pay. For example, our own deposit base is 6,000 yuan per month, so the cost of assets credited to everyone's personal account is 480 yuan, which is 5,760 yuan per year. This is also a part of capital. If we continue to pay every year, our own capital will be improved every year; The second part is capital interest. The interest of this fund is the same as the regular interest of the bank, but it is also different. The same is also the loan interest. The difference is that it is not based on the bank's regular interest, but on the local consumption level, the change of the average social wage of employees, the profit of capital operation and so on. Combined with the clear bookkeeping interest rate, the interest on funds is generated according to this interest rate.
If the capital interest rate this year is 8%, in other words, every 100 yuan in your personal account needs to be upgraded to 8 yuan, then 1000 yuan needs to be upgraded to 80 yuan, and the annual capital of 5,760 yuan needs to be upgraded to 460.8 yuan. The interest rate of funds paid by everyone is the balance of funds in our personal account. According to the above case, the balance of your personal account in the second year after payment is 6220.
The balance level of personal account fund is reflected in the amount of personal account pension after retirement. For the pension, it is usually determined according to the average social wage of employees in the previous year. If the average wage of workers in the last year was greatly increased, then our own pension would be higher. However, if the personal account fund balance is large, our own personal account pension insurance will be higher. In fact, some funds in personal accounts belong to dead money. If we want to turn dead money into living money, we need to invest in projects, invest in financial management, and take Qian Shengqian as an example. This will stimulate our personal account funds and form new profits, so that the amount of personal accounts will be more and more.
After all, when investing in a project, there are certain risks. The bookkeeping interest rate will not reach 8% every year. The most important factor is the efficiency of fund management. According to the accounting interest rate published in China in recent four years, it is 8.3 1% in 20 16 years, 7. 12% in 20 19 years, 8.29% and 20 19 years. Judging from this change, even the lowest year is 20 19, which far exceeds the interest of bank deposits in the same period. According to the website of the National Social Security Fund Council, the 20 19 annual report of the Social Security Fund of the National Social Security Fund Council shows that in 20 19, the equity investment income of the social insurance fund was 29171800 million yuan, and the return on investment was 14.06%. The interest of individual account stock fund is 65,438 yuan+0,576,5438 yuan+37 million yuan, of which the authorized principal balance is 92,582 million yuan and the long-term investment account totals 64,555 million yuan. The interest on regional authorized entrusted assets is 654.38+0.2772 billion yuan, of which the balance of authorized entrusted principal is 654.38+0.000 billion yuan, and the total balance of long-term investment accounts is 27.772 billion yuan.
Generally speaking, the annual interest rate of endowment insurance is very high. This is not a pie in the sky, but a real salary level. After all, pension funds, including personal account funds, are all people's pension expenses, so it is a fundamental principle for social insurance funds to invest in stable income. It is precisely because of the effective investment measures of the fund that our personal account assets have a high loan interest rate every year.