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智利从1981年11月起正式在全国范围内实行的个人帐户式退休养老体制引起拉美国家的广泛关注。其特点主要有: 1.建立个人退休养老基金帐户,在职时多存,退休时多得。具体做法是:参加退休养老保险的人在自己选定的某个退休养老金管理公司建立个人帐户,并且逐月将本人工资的13%存入自己的户头,多存不限。这一基金随着每月的存款和管理公司用它进行投资取得的效益而不断增加。投保人退休后,根据个人帐户下累积的基金总额和管理公司的效益逐月领取相应的养老金。
Chile’s personal account-based retirement pension system, which was officially implemented nationwide since November 1981, has caused widespread concern in Latin American countries. Its main features are: 1. The establishment of an individual retirement pension account, when serving more, retirement and more. The specific approach is: the people participating in retirement pension insurance to establish a personal account in a retirement pension management company of their own choice, and monthly 13% of their wages into their own accounts, unlimited. The fund has been growing with the benefits of monthly deposits and investments made by management companies. After retirement, the insured will receive monthly pensions on a monthly basis according to the total amount of funds accumulated in the individual accounts and the benefits of the management company.