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Different from ordinary bank financing, funds and commercial insurance, individual pension contributions can enjoy preferential policies of deferred taxation.In addition, in order to promote the preservation and appreciation of pensions, on the basis of existing financial products such as wealth management products, specific pension savings and index funds are included in the catalogue of personal pension products.On December 12th, it was reported that from December 15th, the personal pension system was pushed from the original 36 pilot cities (regions) to the whole country.

Individuals voluntarily deposit a sum of money in a specific account, which does not exceed 12,000 yuan per year, that is, it does not exceed 1000 yuan per month.If you pay for 15 years, the personal pension account is 180,000 without calculating interest, and 180,000 divided by 139 months (if you retire at the age of 60) is equal to 1,288 yuan.This 1288 yuan plus your local basic pension is what you can get. If the foundation is 400, you can get 1688. The base is 200, and you can get 1488.

The individual pension system has been extended to the whole country.The individual pension system has been extended to the whole country.Maybe it can be understood this way. The personal pension system is a supplement to the old-age insurance. Compared with the old-age insurance for urban and rural residents, it has a wider range of objects, including both non-employed urban and rural residents and urban workers. There is no limit on the payment period; By adopting market-oriented investment operation, you can buy wealth management products, funds, etc., and the rate of return may be higher than that of fixed deposits; It can be tax preferential, which is more clear than the tax on endowment insurance for urban and rural residents; Treatment depends entirely on the accumulation of personal accounts and investment income.