养老保险个人账户怎么算？-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	养老保险个人账户怎么算？
释义	养老保险个人账户怎么算？个人账户不是5万，是5万*40%=2万。个人养老保险是按缴费基数的20%缴纳的，其中缴费基数的12%划入统筹账户，缴费基数的8%列入个人账户。以后退休时计算养老金金额同样分二部分。一部分是从统筹账户中计算，就是基础养老金；另一部分从个人账户中计算，就是个人账户养老金。个人帐户养老金发放月标准为退休时个人帐户全部储存额除以 120。这样解释好理解吗？该内容由杨振军律师和律说律答共创回答
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