Since the personal pension was officially opened at the end of November, more and more participants have opened personal pension accounts. After opening and depositing funds, many participants still don't know how to relate their own taxes and enjoy preferential treatment. There is only the last half of this year. If you want to enjoy this year's preferential tax amount, you need to deposit it as soon as possible. In this issue, we will talk in detail about the preferential tax policy for individual pensions, how to operate it specifically, and some matters needing attention in investment. 1. Five steps to declare tax benefits: Step 1: After opening the personal pension account, deposit funds first, and then look up the tax deferred voucher in the personal pension account, similar to the following (the icons of different banks will be different): Step 2: After entering the tax deferred voucher, you can choose the date to download the voucher. The downloaded voucher is similar as follows: the QR code in the upper right corner is needed for personal income tax declaration. It should be noted here that it is not possible to download the tax extension certificate immediately after the money is deposited, but it takes a while. According to the reporter's consultation, the voucher of last month can only be printed on the 8th of the next month after the deposit of funds, and the voucher of last year can be printed on the 1st of February every year. Step 3: Download the personal income tax APP, and add personal pension deduction information management in the common business management on the homepage. Step 5: Click scan code to enter, select the tax deferred voucher with QR code, and after automatic identification, the deduction information will be confirmed, and then click Next to select the declaration method to complete the operation. 2, the investment details that need attention In addition, the reporter also encountered some common problems in actual operation, reminding investors to pay attention. First of all, if you don't buy products directly in the personal pension account of the bank, but through other channels, for example, if you buy through the direct sales channel of the fund company, although the personal pension fund account is associated with the purchase, after the purchase, you can't see this position in the bank account, but only in the fund company account. Secondly, different channels have different preferential margins. Previously, the reporter also reminded us many times that although we have opened a capital account in the bank, it does not mean that we can only buy it through this channel of the bank. We can also buy it after binding the account through fund companies and third-party channels. For the same product, investors can compare which channel has a lower rate. In addition, at present, there are mainly four kinds of products that can be invested in personal pension, including savings products. Recently, many banks have also launched savings products in personal pension. However, from the interest rate point of view, although it is slightly higher than ordinary deposits, it is still far from the income of monetary funds. If investors only consider buying savings products with the money deposited in personal pension, it is not recommended. On the one hand, although you can enjoy the preferential tax policy if you deposit money in a personal pension account, if you just put it in it, you might as well buy a money fund directly. In terms of lengthening the cycle, the income from buying a money fund is also higher than that from buying savings products in a personal pension account. On the other hand, the time is also flexible, so you don't need to wait until you retire to buy money funds directly.