irement planning is an important part of life. To understand how your personal pension account balance is calculated, let's break it down step by step. 📝

First, the balance in your personal pension account mainly comes from two parts: your own contributions and the employer's contributions (if applicable). 💰 Each month, a certain percentage of your salary is deducted and deposited into this account. Typically, the specific contribution rate may vary depending on local policies.

Second, the account earns interest over time. This interest is usually based on the average annual growth rate of the fund. 🌱 Over the years, even small amounts can grow significantly due to compound interest.

Finally, when you retire, the accumulated balance will be used to provide monthly pensions. The exact amount depends on factors like total contributions, investment returns, and retirement age. ⏳

Understanding these calculations helps ensure a more secure future. Start planning today! 💪