Reliable. According to the query of JD.COM official website, it is reliable for JD Finance to open a pension account and send shopping vouchers to 50 yuan, but the activity page does not mention the deposit of funds. The basic pension is the monthly retirement salary. Pension, also known as pension and retirement fee, is a major pension insurance treatment, which is paid monthly or once in monetary form according to the contribution to society and pension insurance qualifications or retirement conditions.