The company s enterprise annuity, do you think it is a trap or a pie?

There are many companies that implement an enterprise annuity project, which is actually a supplementary project to China's pension insurance policy. In other words, we regularly pay a certain amount of insurance when we work to ensure that I will get a certain amount of money after retirement. However, the difference between this and the general endowment insurance is that we only need to pay part of the company annuity, and most of the rest is paid by the company, which is the difference between this and many people will choose to consider whether to pay the company annuity.

First of all, we need to judge according to the proportion of individual investment in the company annuity, because the company annuity is also a kind of personal investment, so if the company's investment ratio is higher, it is more beneficial to the individual. Now the ratio of the investment amount of most companies is 1:2 between individuals and companies, which is relatively common, but there are still some companies whose company annuities are all borne by the company, and we don't need to spend too much thought on this form of company annuity, just completely rest assured to do it.

And then we're going to look at how many years you're going to retire. Generally speaking, if you pay a company annuity, the benefit time is after your retirement, so if you are very short from your retirement, then choosing to pay a company annuity is a wiser choice, in this case, there will generally not be too many losses. At the same time, we also need to determine whether we can obtain more income than the company annuity by using the funds we pay for the company annuity during this period.

To sum up, whether the company annuity is a trap or a pie needs to be determined according to the actual situation of each person.

I think corporate annuities are pies. My understanding is that the enterprise annuity is similar to an additional pension, and the company must also pay a part for you at the same time as you pay, which is equivalent to the enterprise saving a sum of money for you, so I say so.

It's a trap, because in fact, at the end of the day, it's not really given to yourself, and there are a lot of restrictions in it, and sometimes it's just a lie.

I think it should be a trap, and the company's enterprise annuity is actually a measure taken to keep employees from leaving.

I think it's a pie, if you stay in this company, you can get a lot of pension when you retire.

Legal analysis: There is a possibility of loss in the investment management of enterprise annuity**. The entrusted person shall sign an agreement with the custodian and the investment manager, and make it clear in the agreement that the losses caused by the failure to perform duties or breach of contract shall be rolled over by the responsible party.

The agreement stipulates that an agreement shall be signed with the client to clarify their respective rights and obligations. Under normal circumstances, the annuity beneficiary bears the profit and loss risk of annuity** investment operation.

Legal basis: Article 16 of the Measures for Enterprise Annuity After the implementation of the enterprise annuity, if the enterprise encounters operating losses, restructuring and mergers and acquisitions and other situations that cannot continue to pay in the current period, it can suspend the payment after consultation with the employee. After the situation that cannot continue to pay the payment disappears, the enterprise and the employee will resume the payment, and can make up the payment according to the actual situation of the enterprise according to the enterprise annuity plan when the payment is suspended.

The number of years and the amount of the supplementary payment shall not exceed the number of years and the amount of the actual suspension of the payment.

Enterprise annuity is a supplementary endowment insurance system established independently by enterprises and employees on the basis of participating in basic endowment insurance in accordance with the law, and we can understand enterprise annuity as supplementary endowment insurance. The payment of enterprise annuity is jointly borne by the unit and the individual, and the proportion of the unit payment shall not exceed 8%, and the proportion of the unit and the individual shall not exceed 12%, which shall be determined by the unit and the employee through negotiation. The enterprise annuity paid by the unit and individual shall be deposited into the personal enterprise annuity account of the depositor, which shall be owned by the depositor.

Some companies provide enterprise annuity benefits, while others do not, this is because enterprise annuity is not mandatory for units and employees, so usually only some large enterprises will provide enterprise annuity benefits for employees. Generally speaking, except for special circumstances such as the depositor's overseas (territory) settlement, complete loss of working ability or unfortunate death, the enterprise annuity can be withdrawn in advance, and other circumstances must be withdrawn only after retirement.

Legal basis: Social Insurance Law of the People's Republic of China

Article 10 Employees shall participate in the basic endowment insurance, and the employer and the employee shall jointly pay the basic endowment insurance premiums. Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance at the employer, and other flexibly employed persons may participate in the basic pension insurance, and the basic pension insurance premiums shall be paid by the individual. The method of pension insurance for civil servants and staff managed with reference to the Civil Servants Law shall be prescribed by ***.

Article 11 The basic endowment insurance shall be combined with social pooling and personal accounts. The basic endowment insurance is composed of employer and individual contributions, as well as subsidies.

1. Enterprise annuity is a supplementary pension system, which refers to the supplementary pension insurance system established independently by enterprises and their employees on the basis of participating in basic pension insurance in accordance with the law; 2. Enterprise annuity is an important supplement to the national basic pension insurance, and is the "second pillar" of the urban employee pension insurance system (composed of three parts: basic pension insurance, enterprise annuity and individual savings pension insurance) that is being improved in China. In countries with modern social insurance systems, enterprise annuities have become a more common enterprise supplementary pension plan, also known as:"Corporate Pension Schemes"or"Occupational pension schemes"and become an important part of the pension insurance system of the host country. Legal basis:

Article 2 of the Interim Regulations on the Collection and Payment of Social Insurance Premiums These Regulations shall apply to the collection and payment of basic pension insurance premiums, basic medical insurance premiums and unemployment insurance premiums (hereinafter referred to as social insurance premiums). For the purposes of these Regulations, the term "paying units and paying individuals" refers to units and individuals that shall pay social insurance premiums in accordance with relevant laws, administrative regulations and rules. Article 3 The scope of collection of basic endowment insurance premiums:

State-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and their employees, as well as public institutions and their employees who practice enterprise management. Scope of collection of basic medical insurance premiums: state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and their employees, state organs and their staff, public institutions and their employees, private non-enterprise units and their employees, social organizations and their full-time personnel.

Scope of levy or payment of unemployment insurance premiums: state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and their employees, and public institutions and their employees. The people of provinces, autonomous regions, and municipalities directly under the Central Government may, on the basis of actual local conditions, include urban individually-owned businesses in the scope of basic old-age insurance and basic medical insurance, and may include social organizations and their full-time personnel, private non-enterprise units and their employees, and urban individually-owned businesses and their employees with employees in the scope of unemployment insurance.

The base and rate of social insurance premiums shall be implemented in accordance with relevant laws, administrative regulations and rules. Article 15 If the people's regulations of provinces, autonomous regions and municipalities directly under the Central Government are subject to the collection of social insurance premiums by the tax authorities, the tax authorities shall provide the social insurance agencies with the payment information of the paying units and individuals in a timely manner; The social insurance agency shall summarize the relevant situation and report it to the labor and social security administrative department. Article 16 The social insurance agency shall establish payment records, of which the basic endowment insurance and basic medical insurance shall be recorded in the personal account in accordance with the regulations.

The social insurance agency is responsible for keeping the records of the annual payment and ensuring their integrity and safety. The social insurance agency shall send a notice of basic endowment insurance and basic medical insurance accounts to the paying individuals at least once a year. The paying unit and the individual have the right to inquire about the payment record in accordance with the regulations.

The significance of an enterprise annuity is as follows:

1. Enterprise annuity is a supplementary pension system, which refers to the supplementary pension insurance system independently established by enterprises and their employees on the basis of participating in basic pension insurance in accordance with the law;

2. Enterprise annuity is an important supplement to the national basic pension insurance, and is the second pillar of China's urban employee pension insurance system (composed of three parts: basic pension insurance, enterprise annual leakage and personal savings and loss endowment insurance). In countries that implement modern social insurance systems, enterprise annuity has become a more common enterprise supplementary pension plan, also known as enterprise pension plan or occupational pension plan, and has become an important part of the pension insurance system of the host country.

The main functions of enterprise annuity are as follows:

1. Delay the payment of income distribution to seniors;

2. Maximize the enthusiasm and creativity of employees;

3. Ensure the basic life of retired employees when the replacement rate of basic pension is declining year by year;

5. The establishment of an enterprise annuity system is conducive to mobilizing the enthusiasm of employees and creating greater profits;

6. Establish an enterprise annuity system, while improving employee welfare, you can use the relevant national tax policies to save taxes reasonably for enterprises and individuals.

Legal basis:Article 2 of the Interim Regulations on the Collection and Payment of Social Insurance Premiums.

These Regulations shall apply to the collection and payment of basic endowment insurance premiums, basic medical insurance premiums, and unemployment insurance premiums (hereinafter collectively referred to as social insurance premiums). The term "paying units and paying individuals" as used in these Regulations refers to units and individuals that shall pay social insurance premiums in accordance with relevant laws, administrative regulations, and the provisions of the National Government.

An enterprise annuity is not a trap. My understanding is that the enterprise annuity is similar to an additional pension, which is shared by the individual and the unit and deposited into the personal account, and returned to the individual every month after retirement. Don't feel that it is a loss to pay the enterprise annuity now, because the company will also pay a part for you at the same time, which is equivalent to saving a sum of money for you in the enterprise order, which is still very cost-effective.

Of course, this is only if your unit is credible.

Enterprise annuity is not a trap, it is a kind of welfare of the enterprise to solve the problem of low retirement wages after retirement. At the same time as you pay, the company also pays a part of the money for you, and generally speaking, the company pays more money than the employee.

Both corporate and individual contributions are included in the personal account, and there is an annuity management institution for investment operations, and the principal and investment income can be received at the time of retirement.

Of course, many companies have set up vesting rules, that is, the part that the company pays for you will be vested in you after working for a few years. You can take a look at your annuity plan and recommend joining if you want to grow in the long-term business environment. If you want to work for a year or two and leave, it is recommended not to join.

Enterprise annuity is a supplementary pension system, which refers to the supplementary pension insurance system voluntarily established by enterprises and their employees on the basis of participating in basic pension insurance in accordance with the law. Enterprise annuity is an important supplement to the national basic pension insurance, and is the "second pillar" of China's urban employee pension insurance system (composed of three parts: basic pension insurance, enterprise annuity and individual savings pension insurance).

In countries with modern social insurance systems, enterprise annuities have become a more common enterprise supplementary pension plan, also known as:"Corporate Pension Schemes"or"Occupational pension schemes"and become an important part of the pension insurance system of the host country.