In order to better explain how much you can get by paying enterprise annuity, give an example. If enterprises and individuals pay a total of 5000 yuan a year, it is 20 years. Assuming that the wage growth rate is 5% and the return on investment is 4%, the account is expected to accumulate more than 200,000. If you get it monthly, you will probably get 1300 yuan every month for 20 years. The expenses required for enterprise annuity shall be paid jointly by the enterprise and individual employees, and the investment operation shall be carried out in accordance with the relevant provisions of the state. Incorporation of investment and operation income into enterprise annuity fund is an important channel to improve employees' pension benefits. In terms of payment ratio, there is no clear stipulation, which only requires enterprises to pay no more than 8% of the total wages of their employees every year, and the total payment of enterprises and employees does not exceed 12% of the total wages of their employees. The specific payment amount shall be determined through consultation between the enterprise and the employees. The more you pay before retirement, the more enterprise annuities you receive after retirement. The amount of money from enterprise annuity to retirement is mainly influenced by individual contributions, enterprise contributions and investment income, and the level of enterprise and individual contributions is limited by the level of enterprise wages.

Legal basis: Article 24 of the Measures for Enterprise Annuities.

Meet one of the following conditions, can receive an enterprise annuity:

(1) When employees reach the retirement age stipulated by the state or completely lose their ability to work, they can receive enterprise annuities from their personal accounts on a monthly basis, by stages or at one time, or they can purchase commercial endowment insurance products with all or part of the funds in their personal accounts, receive treatment according to the insurance contract and enjoy the corresponding inheritance rights;

(two) the enterprise annuity personal account funds of the people who settle abroad can be paid to me in one lump sum according to my requirements;

(three) after the death of employees or retirees, the balance of enterprise annuity personal accounts can be inherited.

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The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.