Foreword Enterprise annuities can be paid like old-age insurance. After retirement, the enterprise annuity can be paid in one lump sum or monthly. Assuming that the investment period is 2 years and the investment income is 4%, if the enterprise annuity 4 receives the investment income every month for 2 years after retirement, it can get about 12 yuan per month.

enterprise annuity = (individual payment enterprise payment) payment period. How much you retire is related to your payment period.

The payment of enterprise annuity is similar to that of endowment insurance, but generally speaking, it takes at least 8 years to receive enterprise annuity after retirement. Assuming that the investment period is 2 years and the investment income is 4%, the amount paid to the enterprise annuity 4 at retirement is: the amount paid to the enterprise annuity = (investment income paid by individual investors)/payment period /12 months. If the enterprise annuity 4 receives investment income every month for 2 years after retirement, the amount it can receive every month is about 12 yuan.

For retired employees, there are three ways to receive the enterprise annuity:

The first way: one-time collection. In the case of going abroad for settlement or death, it is generally necessary to choose a one-time payment. When you retire, you can choose one-time collection, and of course you can also choose other collection methods.

the second type: monthly payment. After retirement, employees can choose to receive a monthly pension according to their own needs. That is, according to the payment time and rolling total amount of enterprise annuity, the monthly payment time and amount are converted. This method, like pension, can be used as a monthly salary until the funds are paid out. Once this collection method is selected, it cannot be changed again.

the third type: investing in endowment insurance products. Is to convert occupational annuity into old-age insurance. When retiring, employees can choose to invest the enterprise annuity as a one-time pension. It is also collected on a monthly basis. The advantage is that you can enjoy the increase in funds for insurance products. Once this receiving method is confirmed, it cannot be changed.

retirement withdrawal process of enterprise annuity

1. When retiring, apply to the personnel department of the enterprise that originally paid the annuity, fill in the withdrawal application form, and provide a copy of the ID card and bank card.

2. the enterprise handling office will send the application form for annuity withdrawal to relevant departments.

3. Bank transfer to bank account.

4. From 2 to 3, 2 weeks if it is fast, and 1 month if it is slow.

how many years should I pay the enterprise annuity?

enterprise annuity refers to the supplementary pension insurance system established by the units and their employees who have participated in the basic pension insurance for enterprise employees in order to better protect the life of employees after retirement. The purchase of enterprise annuity is based on the principle of voluntary and equal consultation. Through collective consultation, the unit and employees decide to establish enterprise annuity and formulate enterprise annuity plan, and employees voluntarily choose whether to participate. For this reason, the state does not stipulate the purchase period.

There is no definite payment time for enterprise annuity, which mainly depends on how the unit and employees negotiate.

enterprise annuity = the investment and operation income of enterprise annuity fund combining enterprise payment and individual payment. A trust system shall be implemented, which shall be invested and operated by qualified fund management institutions.

the contribution of enterprises shall not exceed 8% of the total wages of employees in their own units every year, and the total contribution of enterprises and employees shall not exceed 12% of the total wages of employees in their own units. The specific expenses shall be determined through consultation between the enterprise and the employees.

what are the benefits of paying an enterprise annuity?

1. Annuity enterprise belongs to company welfare and is also a supplementary item of pension, so annuity payment is beneficial to the enterprise;

2. Individual contributions of annuity enterprises will not be deducted from wages, and fixed monthly contributions can help you develop the habit of financial management;

3. Annuity enterprises are supported by the government and have certain tax incentives;

4. Annuity enterprises can improve the living standard of employees after retirement to a certain extent. Annuity companies are operated by professional fund investment institutions, and the investment income is considerable.

when employees reach the retirement age stipulated by the state, they can receive the enterprise annuity from individuals at one time or on a regular basis.

If there is no special agreement in the enterprise annuity plan, the enterprise annuity will be paid until retirement. If you change your company before retirement, the enterprise annuity you paid in the original company still exists, and it will continue to increase with the investment income of large funds until you receive it after retirement. If you have special circumstances (such as immigration), accepting in advance is another matter. Related Q&A: How much enterprise annuity you get for 4 retirement is the same as the basic pension, and the amount you get after retirement is related to the payment. Suppose that units and individuals pay 4 yuan every month for 2 years, if the salary growth rate is 5% and the investment return rate is 4%, the account is expected to accumulate more than 2, yuan, and you can get about 1,3 yuan every month after retirement. 1. Enterprise annuity refers to the supplementary endowment insurance system voluntarily established by enterprises and their employees on the basis of participating in the basic endowment insurance according to law, which consists of three parts: basic endowment insurance, enterprise annuity and personal savings endowment insurance. Enterprise annuity is an important supplement to the national basic old-age insurance, and it is also the "second pillar" to improve the old-age insurance system for urban workers in China. 2. By establishing personal accounts, enterprises and employees pay insurance premiums in a certain proportion on a regular basis (in which employees can choose to pay the proportion or apply to give up joining the enterprise annuity plan). The level of enterprise annuity when employees retire depends on the scale of capital accumulation and its investment income. 3. Its basic characteristics are: (1) simple and easy to operate, with high transparency; (2) The payment level can be appropriately adjusted according to the economic situation of the enterprise; (3) The insurance premiums paid by enterprises and employees are exempt from taxation, and their investment income shall be reduced or exempted; (4) The individual employee bears the relevant investment risks, and the enterprise does not bear the obligation of insurance payment beyond the regular payment in principle; The advantages of annuity payment are as follows: (1) It is simple and flexible. The employer does not undertake the obligation to provide a certain amount of pension in the future, but only stipulates a certain contribution rate according to the pre-calculated pension amount, and does not undertake actuarial responsibility. This work can be undertaken by life insurance companies; (2) Pensions are included in personal accounts, which are very attractive to employees. Once participants terminate their pension plans before retirement, they can have a wide range of options to dispose of their account balances; (3) The enterprise annuity of this plan does not need to participate in the reinsurance of the termination of the pension plan. If the employee encounters major economic difficulties, he can terminate the pension plan at any time without taking any responsibility. 4. Paying annuity also has its own defects: (1) The pension of employees at retirement depends on the amount of pension in their personal accounts, and the pension level of employees of different ages who participate in the pension plan is quite different after retirement; (2) The pension in personal account is greatly influenced by the investment environment and inflation, and it is difficult to maintain and increase the value of pension in the case of persistent inflation and poor investment income; (3) Paying an annuity encourages employees to receive a one-time pension when they retire, and terminates the pension insurance relationship. However, because the amount of one-time payment is relatively large, retirees often have to endure higher income tax rates; In addition, the pension that pays the annuity is completely decoupled from the pension of the social security plan, and it is easy for different people to have a high or low pension replacement rate.