How to withdraw enterprise annuity is cost effective, and the best way to withdraw enterprise annuit

If you need a large amount of money urgently, you can withdraw it in one lump sum, and if you don't need it urgently, you can consider receiving it in installments. The amount of the two is not the same, just like when we buy a house, the amount of one-time payment and installment payment is different. But in real life, those who have money will pay it all in one lump sum, and those who don't have so much money will choose to pay in installments.

So how to take it depends on your specific situation and needs. ”

Extended information: 1. When the employee reaches the retirement age stipulated by the relevant laws and regulations of China, he can receive the enterprise annuity in his enterprise annuity account once or on a regular basis, and the employee has not reached the retirement age stipulated by the state, and cannot withdraw funds in advance in the personal account.

2. When the employee changes the work unit, the enterprise annuity personal account funds can be transferred with it, and the employee is unemployed during the period of education and joining the army or the new employment unit does not implement the enterprise annuity system.

The personal account of the enterprise annuity can be managed by the original management institution.

3. After the death of an employee or retiree, the balance of the enterprise annuity personal account shall be received by the designated beneficiary or the legal heir in a lump sum.

4. The withdrawal method of enterprise annuity is when the employee reaches the statutory retirement age.

When the employee is unable to work due to illness, he or she can receive the enterprise annuity in one lump sum or in installments.

5. When the enterprise annuity enterprise payment part enters the employee's personal account, the sum of the personal salary income of the month and the enterprise payment included in the individual annuity account does not exceed the individual income tax.

Expense deduction standard, there will be no personal income tax.

As a kind of equity of employees, enterprise annuities can only be withdrawn after the employee retires. Of course, there are still a lot of detailed regulations, and the specific extraction methods are as follows:

1. Retirement. When an employee reaches the required retirement age, he or she can apply for a withdrawal of the enterprise annuity. During this period, there is also a choice for the withdrawal method of the annuity.

2. Incapacity to work.

Of course, you don't have to wait until retirement to choose to withdraw your corporate annuity. When an employee completely loses his or her ability to work due to illness or injury before retirement, he or she can also apply for a one-time or monthly withdrawal of the enterprise annuity in advance.

3. Exit and residence.

When you choose to live abroad, you can also apply for a one-time withdrawal of enterprise annuity. Don't say here also about the unexpected events that occurred from this year.

China is the safest place in the world.

4. Death. As an individual's asset, the enterprise annuity can also be inherited. Therefore, after the death of the employee, the corresponding legal heirs can inherit the enterprise annuity of the deceased employee. After the death of the employee, the legal heirs can apply for a lump sum withdrawal of the enterprise annuity.

According to the relevant provisions of the "Trial Measures for Enterprise Annuity" and the actual situation of the enterprise, employees must meet at least one of the following four conditions to receive the enterprise annuity:

1) Employees who have reached the retirement age stipulated by the state, including employees who meet the conditions for early retirement stipulated by the social security department due to illness or injury, can receive enterprise annuity from their enterprise annuity personal account at one time or on a regular basis;

2) If the employee leaves the country to settle down, he or she can pay the funds in the personal account of the enterprise annuity to him in a lump sum according to his or her requirements;

3) In the event of the death of an employee or retiree, the balance of the personal account of the enterprise annuity shall be received by the designated beneficiary or legal heir in a lump sum;

4) Employees who lose the ability to work due to illness (disability) and apply for sick retirement or early retirement can receive the funds in their personal accounts in a lump sum or in installments.

Summary. Hello dear! The best way to withdraw an enterprise annuity is to receive it in a lump sum.

There are generally three ways to receive enterprise annuities: monthly payment, installment payment, and one-time payment. 1. Receive it on a monthly basis

Similar to endowment insurance, it is enough to confirm the time when applying for the collection, and then receive it at this time of each month, which is conducive to the role of long-term endowment insurance for enterprise annuities. 2. Receive in batches: When applying for collection, choose the number of times to receive the enterprise annuity, divide the enterprise annuity into several times, or choose the appropriate number of times to receive it in combination with the individual income tax of the enterprise annuity and your own needs.

3. One-time collection: When applying, you can withdraw all of them at once.

Hello dear! The best way to withdraw an enterprise annuity is to receive it in a lump sum. There are generally three ways to receive enterprise annuities:

Monthly, installments, and one-time payments. 1. Receive hunger or take on a monthly basis: Similar to endowment insurance, confirm the time when applying for collection, and then receive it at this time of each month, which is conducive to playing the role of long-term endowment insurance for enterprise annuities.

2. Receive in batches: When applying for collection, choose the number of times to receive the enterprise annuity, and divide the enterprise annuity into several times to receive it, and Haoling can also choose the appropriate number of times to receive it in combination with the individual income tax of the enterprise annuity and its own needs. 3. One-time collection:

When you apply, you can withdraw all of them at once.

Generally, employees can apply for the enterprise annuity only after they have reached the retirement year and base age, and they can receive the enterprise annuity from their personal account of the enterprise pension at one time or on a regular basis. Of course, if an employee has the following circumstances, he or she can also apply for withdrawal: 1. When an employee completely loses his or her ability to work due to illness or injury before retirement, he or she can also apply for a one-time or monthly withdrawal of the enterprise annuity in advance.

2. When you choose to live abroad, you can also apply for a one-time withdrawal of enterprise annuity. 3. After the death of the employee, the heirs can apply for a one-time withdrawal of the enterprise annuity.

When an employee reaches the retirement age stipulated by the state, he or she can receive the enterprise annuity from his or her own enterprise annuity account at one time or on a regular basis. Employees who have not reached the retirement age prescribed by the state shall not withdraw funds from their personal accounts in advance. The funds in the personal account of the enterprise annuity of the person who have settled abroad can be paid to the person in a lump sum according to the person's request.

After the death of an employee or retiree, the balance of his or her personal account for enterprise annuity shall be received in a lump sum by the beneficiary or legal heir designated by him/her.

Legal basis. Article 12 of the Trial Measures for Enterprise Annuities.

When an employee reaches the retirement age stipulated by the state, he or she can receive the enterprise annuity from his or her own enterprise annuity account at one time or on a regular basis. Employees who have not reached the retirement age prescribed by the state shall not withdraw funds from their personal accounts in advance.

The funds in the personal account of the enterprise annuity of the person who have settled abroad can be paid to the person in a lump sum according to the person's request.

Article 14 of the Trial Measures for Enterprise Annuities.

After the death of an employee or retiree, the balance of his or her personal account for enterprise annuity shall be received in a lump sum by the beneficiary or legal heir designated by him/her.

Legal analysis: If you withdraw it in a lump sum and then deposit it in the bank, the final value will be higher than that of receiving it in installments.

Legal basis: "Measures for the Administration of Enterprise Annuity".

Article 3 The expenses required for enterprise annuity shall be paid jointly by the enterprise and the individual employees. The enterprise annuity ** implements complete accumulation, establishes a personal account for each employee who participates in the enterprise annuity, and invests and operates in accordance with the relevant provisions of the state. Enterprise annuity**Investment and operation income is merged into enterprise annuity**.

Article 4 The relevant taxation and financial management of enterprise annuity shall be implemented in accordance with the relevant provisions of the State.

It is cost-effective to receive the enterprise annuity on a monthly basis or in a lump sum.

1. Receive it on a monthly basis

After the employee completes the retirement procedures, while receiving the pension on a monthly basis, he can also receive the enterprise annuity on a monthly basis until the enterprise annuity in the personal account is fully received, in this case, the retiree is equivalent to an additional pension, so the enterprise annuity is called the second pension provided by the unit to the employee.

2. One-time collection.

Employees who participate in the enterprise annuity can also choose to receive the balance of the individual enterprise annuity account at one time to purchase commercial pension insurance products, so that retirees can be similarly protected in accordance with the provisions of the commercial insurance treaty.

The main role and function of enterprise annuity.

1. Allocation function.

Enterprise annuity has both the nature of primary distribution of national income and the nature of redistribution of national income. Therefore, the supplementary pension plan in the form of enterprise annuity is also regarded as a deferred distribution of wages and income for employees.

2. Incentive function.

The enterprise annuity plan is based on the profitability of the enterprise and the performance of the employees for the employee annuity personal file rock account contribution, for the enterprise to attract high-quality talents, stabilize the workforce, protect the interests of employees, maximize the mobilization of the labor enthusiasm and creativity of employees, improve the pride and sense of responsibility of employees to serve the enterprise, so as to enhance the cohesion and market competitiveness of the enterprise, to obtain the maximum economic benefits, is a positive and effective means.

3. Guarantee function.

The establishment of enterprise annuity can improve the level of pension benefits after retirement to a considerable extent, solve the large income gap between employees before and after retirement caused by the decline in the basic pension replacement rate year by year, make up for the lack of basic pension security level, meet the objective needs of retirees to enjoy a higher quality of life, and play its role of supplementing and protecting stupidity. <>

How to withdraw the enterprise annuity appropriately? Come and see how, let me take a brief look at it below.

1. How to withdraw the enterprise annuity.

The withdrawal method of Qishout Xiangye annuity is as follows:

1. After purchasing the enterprise annuity, the insured can receive the enterprise annuity in one lump sum or in installments as long as the age reaches the statutory retirement age;

2. If the insured person settles abroad, he can apply for a one-time enterprise annuity in his personal account in advance;

3. If the insured Gao Wu loses the ability to work due to illness, he can also apply for a one-time or installment enterprise annuity;

4. If the insured dies for any reason before reaching the retirement age, his heirs can apply for a one-time receipt of the enterprise annuity in the insured's personal account.

If you don't know whether you meet the requirements for receiving an enterprise annuity, you can go directly to the local social security department and ask the staff.

Zheng Nianbo Second, where to check the enterprise annuity inquiry.

Bank inquiries. Because the enterprise annuity is a commercial pension paid by the enterprise for its employees, it is generally cooperated with the major banks in the market. First of all, we need to understand which bank the enterprise pays for its own enterprise annuity cooperation, take ICBC as an example

You can directly log in to the ICBC Handheld Banking APP, then click "My" in the lower right corner, and find "My Assets" after entering, including "Pension", which is the enterprise annuity.