The personal part of the total pension refers to the amount that is transferred to the personal account according to a certain proportion in the process of paying pension insurance. In China's pension insurance system, individuals need to pay pension insurance premiums, part of which will be transferred to personal accounts as personal pensions in the future.
The total amount of pension in a personal account changes over time and with changes in individual contributions. Generally speaking, the longer the payment time, the higher the contribution amount, and the total pension amount in the personal account will increase accordingly. When an individual reaches the statutory retirement age and goes through the retirement procedures, he or she can withdraw the pension in the personal account in accordance with the regulations.
It is important to note that the total pension in a personal account is not the only pension**. In China's pension insurance system, there are other forms of pensions such as basic pensions, enterprise annuities, and occupational pensions. Therefore, when planning their own pension security, individuals need to comprehensively consider various pensions to ensure that their pension life is fully guaranteed.
The personal part of the total pension refers to the amount of money transferred to the personal account in the process of paying pension insurance, which is one of the important guarantees for the future pension life of the individual.
How to increase the personal portion of the total pension?This is a matter of great concern to many insured people. After all, for most people, a pension is an important guarantee for life after retirement. Below, we'll look at a few ways to help you improve the personal portion of your pension total. First of all, increasing the amount of individual contributions is an effective way to increase the individual part of the total pension. The amount of personal contributions is an important part of the pension, therefore, increasing the amount of individual contributions can directly increase the total personal part of the pension. Of course, this requires you to increase your personal salary as much as you can afford to be able to pay higher pension insurance premiums. 
Secondly, delaying retirement is also a good option to increase the personal part of the total pension. If you delay your retirement as much as possible before you retire, then you will have more time to make pension contributions. In this way, the personal portion of your total pension will increase over time. Finally, participating in commercial endowment insurance is also a good choice. Although commercial pension insurance needs you to bear some costs yourself, they usually have a higher total personal portion of the pension. Therefore, if you are able, you can consider participating in commercial pension insurance to increase the total personal part of your pension. In conclusion, raising the total personal part of your pension requires you to work on several fronts. By increasing the amount of personal contributions, delaying retirement and participating in commercial pension insurance, you can gradually increase the personal part of your total pension and provide better protection for your future life.