Recently, there has been a lot of news related to personal pensions. I have talked about personal pension tax incentives and personal pension fund catalogs before. For details, you can read our previous articles. Now that the personal pension system has officially been launched, in Beijing, Shanghai and Guangzhou

In 36 cities including Shenzhen, workers who participate in the basic pension insurance for employees or the basic pension insurance for urban and rural residents can immediately experience personal pensions.

Friends who are not within the scope may have to wait a little longer, and it should be promoted soon.

At present, major bank APPs have also added entrances for opening personal pension accounts, and the overall operation is relatively smooth.

(Picture source: China Minsheng Bank) But here, Minibus would like to talk to you about a few points that need to be paid attention to in practice.

1. To open an account, you need to open two accounts: a personal pension account and a personal pension fund account, which cannot be opened just anywhere.

A personal pension account needs to be opened on the national social insurance company service platform, "Zhangzhang 12333" and other national unified online service portals, or at a commercial bank. This account is used for information inquiry, similar to a second social security card.

(Picture source: National Social Insurance Company *** Service Platform) Personal pension fund accounts need to be opened in commercial banks. This is the account we deposit money into. We will also receive money from this account in the future. It is similar to the finance of social security cards.

Function.

Because both accounts can be opened at 23 commercial banks, when you go to a bank to open an account, it is generally the default to open a personal pension account and a personal pension fund account at once.

After the account opening is completed, you can check that you have an account at 12333.

It should be mentioned here that personal pension fund accounts are managed as Class II accounts, so they must be bound to a personal Class I debit card for fund entry.

You can bind it to your own bank or other banks.

For example, if you open a personal pension fund account with ICBC, you can also bind it to a Class I card from Bank of China in your own name.

For banks, no matter which card you bind, the money will eventually go to the bank where the account is opened. They have no losses, and it is still very convenient for us.

2. Don’t open an account just to make money.

At present, the personal pension business belongs to the blue ocean market. In order to grab customers, various banks have launched many discounts, which reminds people that the ETC business was so popular back then.

For example, the Industrial and Commercial Bank of China has the opportunity to get a 50-yuan instant bonus, the Agricultural Bank of China offers a 50-yuan bonus when opening an account, the Industrial Bank offers a maximum bonus of 288 yuan when opening an account, and the China Guangfa Bank is more powerful, offering a 50-yuan bonus when opening an account.

If you deposit more than 1,000 yuan, you will get another 150 yuan.

(Photo source: China Guangfa Bank) Of course, being so active is because of the benefits. Personal pension accounts are lifetime unique. Participants can only open one personal pension account, and the corresponding personal pension fund account can only choose a commercial bank.

Open.

For banks, after opening an account, a steady stream of funds will come in every year. With a large scale of funds, it is easier to negotiate a share with the product.

Xiaoba recommends that everyone should not always think about these investment-related matters with a greedy mentality. Don't just compare which company has the biggest red envelope and choose which one to open an account. You should also think more about your subsequent use.

For example, whether you can go to an offline branch nearby, whether the bank's APP is easy to use, how good the bank's service is, etc. The subscription fees for fund products provided by different banks may also be different.

Although it is said that the personal pension fund account can be changed later, it requires an application. We still don’t know what the application is, what the conditions are, and whether it is complicated, so we’d better think it through before opening an account.

(Picture source: Agricultural Bank of China app) 3. After opening an account, do not transfer money into it at will.

The process of personal pension investment is to transfer money first and then buy products.

When everyone transfers money to a personal pension account, the bank will prompt "According to policy regulations, funds transferred into a personal pension account must meet certain conditions for receipt before they can be transferred out."

That is to say, money can be withdrawn only when the pensioner reaches pension age, or completely loses the ability to work, settles abroad, or meets other circumstances stipulated by the state.

As long as the money is transferred in, it will be closed. It is not closed after you buy the product.

You can use the money in your personal pension fund account to subscribe for and redeem products, but the money inside cannot be withdrawn unless the conditions are met. If you leave it untouched, interest will be calculated based on current interest.

So don’t think clearly and just play it out of curiosity and save money right away.