it is possible for personal pension to lose money.

According to the Implementation Measures for Individual Pensions, after paying individual pensions, the operating institutions will invest with the principal to realize asset appreciation, and how much they receive after retirement is closely related to the balance of individual pension accounts, while everyone's account balance is divided into two parts: one part is based on the Implementation Measures for Individual Pensions, after paying individual pensions, the operating institutions will invest with the principal to realize asset appreciation, and how much they receive after retirement is closely related to the balance of individual pension accounts, while everyone's. It is the principal paid by the insured and the other part is the investment income generated.

according to the provisions of article 2 of the measures, "the payment is entirely borne by the participants themselves, and they choose to purchase financial products such as savings deposits, wealth management products, commercial endowment insurance, Public Offering of Fund and so on". In the choice of personal pension investment varieties, it is possible to earn or lose.

How much is the monthly income? It is suggested to open a personal pension account.

Personal pension can be used to save taxes. Every year, when handling individual taxes, there is a special additional deduction, such as children's education, housing loans, support for the elderly, serious illness medical care, etc., and these special deductions can reduce taxes. Through personal pension, a tax exemption can be temporarily formed, and the upper limit of participants' annual payment of personal pension is 12, yuan, that is, the part of their personal income is-12,.

Suppose that after deducting five insurances and one gold every year, your income is 2,, and there are no other pre-tax deductions. The tax threshold is currently 6,/year, and the second tax rate is 14, yuan after deduction:

If there is no personal pension tax preference, the annual tax to be paid is (2,-6,) × 1%-252 = 11,48 yuan;

if there is tax preference for personal pension, the annual tax to be paid is (2,-6,-12,) × 1%-252 = 1,28 yuan.

In other words, the pre-tax income of 2, yuan can save 1,2 yuan in tax a year; By analogy, the higher the income, the more tax can be saved. If the annual income exceeds 1.2 million, you can save 54 yuan a year.

People with an annual income of 96, yuan and a monthly salary of 8, yuan can only save 36 yuan, which is equivalent to a return on investment of less than 3%, even lower than the debt base, and will be deducted 3% when they receive it, so friends with an average monthly income of less than 8, yuan actually don't need to consider participating for the time being.

Because the personal pension account is characterized by closed accumulation and long-term investment, it is not allowed to withdraw in advance except in special circumstances such as retirement, so it is more reasonable to assess the long-term rate of return. As mentioned above, it is normal for the short-term return rate of account balance to fluctuate, but if the cycle is lengthened, the long-term return of individual pension account will be guaranteed through investment for twenty or thirty years.

data show that the annualized rate of return of the national social security fund in the past 2 years has exceeded 8%, and the annualized rate of return of China's enterprise annuity from 27 to now has also exceeded 7%. "So the scenery should be long-sighted, and you don't have to care too much about short-term fluctuations."

The account manager of a joint-stock bank in Hangzhou thinks that because everyone has different risk preferences, what we should allocate should be different from person to person. The bank will definitely give targeted suggestions according to the risk preferences and investment styles of customers, and each bank will certainly come up with good products to attract customers. "In terms of products, according to the pension goals of different customers, our bank will provide purchase plans covering many categories such as pension financing, commercial pension insurance and pension Public Offering of Fund."