The personal pension system has officially set sail, but for ordinary investors, there are still a series of problems, such as how to open an account, how to pay fees, how to choose products and so on. Today, from a practical point of view, I will give you an interpretation of the whole process of participating in the personal pension system, and understand the main points of participating in the personal pension system in 5 minutes ~
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Participate in personal pension investment from scratch
Let me introduce you first, how to participate in personal pension investment from scratch?
The first step is to open an account. If you have participated in the basic old-age insurance for urban workers or urban and rural residents in any of the 36 leading cities (or regions), you can participate in the individual old-age insurance system. The insured needs to open an individual pension account and an individual pension fund account (Class II account), which are unique and correspond to each other. Everyone should choose a qualified commercial bank and open a unique personal pension account under its name after being verified by the information platform in Ministry of Human Resources and Social Security.
Xiao Xia found that the process of opening an individual pension account is very fast. Many commercial banks have opened online and offline channels, and the most convenient one is to apply in the "personal pension area" of the mobile banking app. Most banks open two accounts at a time by default, and the process is similar. You can open an account after binding the bank card, reading and agreeing to the relevant agreement, verifying the mobile phone number and brushing your face for verification. The whole process only takes a few minutes.
The second step is to pay the fee. After the two accounts are opened, you can bind the bank card payment fund account. Payment can be made monthly, in installments or annually. The maximum payment per natural year is 12000 yuan, which can be deducted before tax. If you don't invest, the interest will be calculated according to the current deposit; If you invest in pension products such as pension funds, the actual income depends on the investment income of pension funds.
The third step is to buy personal pension products. At present, personal pension accounts can be invested in public funds, savings deposits, wealth management products and commercial pension insurance. Among them, savings deposits focus on "preservation", commercial endowment insurance focuses on "guarantee" function, and Public Offering of Fund and wealth management products focus on "investment" attribute. You can choose to buy one or more pension products according to your own situation.
The fourth step is the collection of personal pension. Personal pension fund accounts are closed, and the insured person can receive the basic pension on a monthly, phased or one-time basis only if he reaches the age of receiving the basic pension, completely loses his ability to work, goes abroad to settle down or meets other circumstances stipulated by the state.
This means that as long as we put the money in the account, we can't take it out until we retire or meet the above conditions. Therefore, Xiao Xia specially reminded everyone not to treat the personal pension account as a general savings or investment account, "save it if you want, and take it if you want", and must use the "spare money" that has not been used for a long time to participate in personal pension investment.
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How to choose a pension fund?
As an important investment direction of personal pension, the first batch of personal pension funds also announced last week that they will gradually open the daily subscription and fixed investment business of personal pension exclusive Y share. For example, nine small pension fund Y shares will be put on sale from today (165438+1October 28th). You can subscribe through Huaxia Fund's direct sales channel, or you can subscribe in banks and brokers. Direct selling can be done in three simple steps. First of all, you can enjoy a 20% discount on subscription fee and a tax deferred discount if you bind a bank personal pension fund account. Secondly, you can bind a personal pension fund account (second-class account) for capital allocation investment. Finally, the transaction. After the transaction is completed, you can view the fund assets, profit and loss, transaction information and other data. Huaxia Fund has also launched an intelligent fixed investment function to help you diversify investment risks and improve the efficiency of capital utilization.
We have introduced pension target date fund and pension target risk fund before. Target date The fund aims at the retirement date of investors and adjusts the investment allocation according to the risk tolerance of different life stages. Target risk fund refers to selecting appropriate risk measurement indicators and methods, setting corresponding risk target values, and optimizing the allocation of various assets in order to maximize returns under certain risks. If you have a clear understanding of your risk preference, you can choose a matching target risk fund according to your risk preference and risk tolerance; If you are a novice investor or want to worry more, you can choose the corresponding target date fund according to your retirement date. For example, friends born after 70, 80 and 90 can pay attention to the three-year holding hybrid (FOF) of Huaxia Pension in 2035 (class Y code: 0 17360) and the three-year holding hybrid (FOF) of Huaxia Pension in 2040 (class Y code: 065438+).
Finally, Xiao Xia would also like to remind that the payment in the current year must be used in the current year. If we want to use the amount in 2022, there are only 30 days left in the time window. If you haven't decided what products to buy for the time being, you can put the money into your account first, and then choose the products while enjoying tax incentives and interest on current deposits.
I hope that everyone will actively plan for the elderly and prepare for the future!
If investors charge front-end subscription/subscription fees at the time of subscription/subscription, they are called Class A fund shares; If the subscription/subscription fee is not charged before and after, but the sales service fee is accrued from the assets of this kind of fund, it is called class C fund share; Only for individual pensions, which can be purchased through individual pension fund accounts according to relevant regulations, is called Y-type fund shares. Class A, Class C and Class Y fund shares calculate and publish the net value of fund shares and the accumulated net value of fund shares respectively.
Investors should understand that the pension target date fund is only a part of a complete retirement plan, which includes basic pension insurance, enterprise annuity and pension investment products purchased by individuals. Therefore, the above-mentioned funds do not guarantee to provide sufficient retirement income during retirement, and the net value of fund shares of the above-mentioned funds fluctuates with the market. Even after or near the target date, the net value of fund shares of the above-mentioned funds may still fall, which may lead investors to face investment losses after retirement or resignation. Please fully consider your own risk tolerance, rationally judge the market and make investment decisions carefully.
Risk warning: 1. The above funds are hybrid funds (FOF), including target date fund (TDF) and target risk fund (TRF). Their expected risks and expected returns are lower than those of equity funds, but higher than those of ordinary bond funds and money market funds, and they belong to medium risks (R3). The specific risk rating results are subject to the rating results provided by the fund manager and the sales organization. 2. The name "pension" does not represent income security or any other form of income commitment. If the pension target fund does not protect its capital, it may lose money. Investors should fully understand the difference between regular investment and one-time withdrawal of funds. Regular fixed investment is a simple and easy way to guide investors to make long-term investment and average investment cost. However, fixed investment can not avoid the inherent risks of fund investment, can not guarantee investors to obtain income, nor is it an equivalent financial management method to replace savings.
3. The minimum holding period of fund investors is not less than one year, including one year for China's stable pension (FOF), one year for China's stable pension in An Ying (FOF) and one year for China's healthy pension (FOF). The minimum holding period of fund investors who hold hybrid (FOF) in 2035, 2040, 2045 and 2045 is not less than three years, and the minimum holding period of fund investors who hold hybrid (FOF) in 2050 is not short. Before the expiration date of the fund share holding period (excluding that day), the fund share holder cannot apply for redemption of the fund share; Fund share holders will face the risk of not being able to redeem their fund shares before the holding period expires.
4. The above-mentioned funds can invest in Hong Kong stocks, and under the mechanism of Hong Kong Stock Connect, they will face unique risks brought by differences in investment environment, investment targets, market system, trading rules, etc., including the risk of large fluctuations in the stock price in the Hong Kong stock market (the Hong Kong stock market implements T+0 cycle trading, and the stock price is not limited. The stock price of Hong Kong stocks may fluctuate more violently than that of A-shares), exchange rate risk (exchange rate fluctuation may cause losses to fund investment income), and the risk that trading days may be inconsistent under the mechanism of Hong Kong Stock Connect (in the case of closing Hong Kong Stock Connect in the Mainland, Hong Kong Stock Connect cannot trade normally, and Hong Kong stocks cannot be sold in time, which may bring certain liquidity risk).
5. The above-mentioned funds may choose to invest part of their fund assets in Hong Kong stocks or not according to the needs of investment strategy or the changes of market environment in different allocation places, and the fund assets may not necessarily be invested in Hong Kong stocks. 6. When the fund manager constructs the FOF portfolio, the choice of the fund largely depends on the past performance of the fund. However, the past performance of the fund often cannot represent the future performance of the fund, so it may cause certain risks. 7. Before investing in the Fund, investors should carefully read fund legal documents such as fund contract, prospectus and product information summary, fully understand the risk-return characteristics and product characteristics of the Fund, and fully consider their own risk tolerance according to their own investment purpose, investment period, investment experience, asset status and other factors. On the basis of understanding the product situation and sales suitability opinions, make rational judgments and make investment decisions cautiously.
8. The fund manager does not guarantee that the fund will be profitable, nor does it guarantee the minimum income. The past performance of the Fund and its net value cannot predict its future performance, and the performance of other funds managed by the Fund Manager does not constitute a guarantee for the performance of the Fund. 9. The fund manager reminds investors of the "buyer's own responsibility" principle in fund investment. After investors make investment decisions, the investment risks caused by fund operation, fluctuation of listing price of fund shares and changes in fund net value shall be borne by investors themselves. 10. The registration of the Fund by the China Securities Regulatory Commission does not mean that it makes substantive judgments or guarantees on the investment value, market prospects and income of the Fund, nor does it mean that there is no risk in investing in the above-mentioned funds. 1 1. The above funds are issued and managed by Huaxia Fund, and the consignment agency does not undertake the responsibility of product investment, redemption and risk management. 12. The opinions in this information are for reference only and do not constitute any substantive suggestions or commitments to investors, nor do they serve as any legal documents. The fund is risky and needs to be cautious in investment.