On the basis of participating in social security, you can open a personal pension account for yourself and deposit money in it. After retirement, you can receive multiple pensions. Personal pension is also a supplementary pension insurance for social security, which is supported by government policies, voluntarily participated by individuals, and connected with market-oriented operation and basic pension insurance. All major banks have this business.

how to open a personal pension account of industrial bank?

1 download and open the industrial bank APP in your mobile phone, and you can see the personal pension entrance on the home page;

2 click on the personal pension to enter the account opening interface, upload your personal ID card and follow the prompts to complete the account opening.

To participate in personal pension, you need to open two accounts:

One is to establish a personal pension account on the information platform of the Ministry of Human Resources and Social Security for information recording, inquiry and service; The other is a personal pension fund account opened or designated in a bank for payment, purchase of products, collection of income, etc. The two accounts are unique to each other, and participants can open them in various channels, such as the national social insurance service platform, the national people's social government service platform, the electronic social security card, "Pocket 12333" and commercial banks. Among them, through the channels of commercial banks, these two accounts can be opened at one time.

Withdrawal conditions of individual pension:

Participants can apply for withdrawal of pension if the following conditions are met:

1 Participants have reached the age of receiving basic pension;

2. completely incapacitated;

3. Go abroad and settle down;

4 death;

5 other conditions stipulated by the state.

Method of receiving individual pension:

When the participant meets the conditions for receiving individual pension, he can choose to receive it monthly, in installments or in one lump sum, and the bank will transfer the personal account funds to the personal social security card bank account of the participant according to the method selected by the individual. When the participants receive monthly payment, they can receive monthly payment according to the number of months determined by the basic old-age insurance, or they can receive monthly payment according to the number of months selected by them until the end of the collection; Or collect it monthly according to the fixed amount determined by yourself until it is over. Participants who choose to collect by stages should select the collection period, and specify the number or method of collection until the end of collection.

under special circumstances, such as total loss of working ability, going abroad to settle down, etc., you can submit it to the commercial bank with the conclusion of labor ability appraisal and the certificate of going abroad (settlement). When the conditions are met, after the individual application, Industrial Bank will transfer the pension to your social security card bank account.