After paying personal pension, you can use the money in your account to buy wealth management products before retirement. The investment scope of the money in the personal pension account includes: personal pension savings, personal pension financing products, personal pension insurance products and personal pension Public Offering of Fund products.

What funds can I buy for personal pension?

1 Pension funds with a scale of not less than 50 million yuan at the end of the last four quarters or not less than 200 million yuan at the end of the last quarter;

2. Equity funds, hybrid funds, bond funds, funds in funds and other funds stipulated by China Securities Regulatory Commission have stable investment style, clear investment strategy and stable operation compliance, which are suitable for long-term investment of individual pensions.

The catalogue of individual pension funds is determined by the China Securities Regulatory Commission and released to the public through the websites of China Securities Regulatory Commission, fund industry associations and fund industry platforms every quarter.

After paying personal pension, you can buy wealth management products or not. If you plan to buy wealth management products, you can choose bank wealth management, savings deposit, commercial endowment insurance and Public Offering of Fund according to your investment preferences.

There are wealth management products for personal pension in the market, which have the characteristics of safe operation, stable maturity, standardized target and long-term preservation. Related products are in the list published by the regulatory authorities.

After opening an individual pension account, you can deposit it or not, and the account holder has absolute freedom. If the pension is deposited into an account without purchasing pension products, the interest will be calculated according to the current interest rate, such as purchasing pension products (wealth management, funds, savings, etc. ) on the basis of bank consignment, it is included in financial assets.