There is a big news in November, which is about your pension money bag. You must know it. On November 4th, the five national departments jointly issued the Measures for the Implementation of Individual Pensions. Personal pension, simply put, is in addition to the current social security pension, we can voluntarily pay more money every month, up to 12 thousand a year. If you pay more now, you will get more in the future. Different from the social security pension, it is invested by the social security fund, and we only need to pay the money every month. Nowadays, this newly launched personal pension can be invested in deposits, funds, wealth management and insurance according to our own risk preferences, making the pension snowball bigger and bigger. I have looked at the past three years, and the median annualized income of related fund products is still about 6% under the market slump. It's much better than deposits and Yu 'ebao, and it's even better than most people who buy their own funds and lose money.

what are the advantages of personal pension? 1. Save taxes. You must want to ask, why can't I make my own investment, but I have to pay a personal pension, and the country has to set a ceiling of 12,? The answer is simple, because according to the regulations, you don't have to pay personal income tax for this extra personal pension every month. The individual tax in our country is a ladder system, and the higher the income, the higher the tax. For those who made millions in those years and paid 45% of the tax rate, now they pay their personal pension in full every year, which is equivalent to directly saving 12,x45% and almost 5,4 yuan in tax, and saving the money of a mate5 mobile phone every year. For ordinary people, if you earn more than 8, yuan a month, you have to pay 1% tax. Suppose you pay 12, yuan a year for your personal pension now, you can save at least 1,2 yuan in taxes, and you can save a red rice mobile phone. Although this pension will be subject to 3% tax when it is collected in the future, it is already the lowest tax rate compared with the current personal income tax rate of 45%. 2. Improve the level of old-age care. In addition, why does the country want to introduce personal pensions now? The most direct reason is that walking on one leg only by social security pension may not be able to support the old-age life in the future. The data of pension replacement rate shows that in 22, on average, China's pension was 63% of pre-retirement wage income. By 221, this figure has shrunk to 39%, far below the international warning line of 55%. In other words, the consumption level after retirement in China today may be less than 4% of that before retirement, and it may be worse in the future. In many developed countries, the individual pension system has been in operation for many years. In the United States, for example, the pension system based on 41K plan (similar to enterprise annuity) and IRA (individual retirement account) has helped many Americans to build a material foundation for retirement. Therefore, it is necessary to make some tax incentives, prepare in advance at multiple levels and improve the level of old-age care! 3. The provincial investment rate can not only reduce the individual tax, but also save a sum of money if your personal pension account plans to invest in funds. Because the fund type Y launched by the state for individual pension accounts is the type that only individual pension accounts can buy, compared with buying funds by yourself, the management fee can be 5% off, and if you buy funds for 12 thousand a year, you can save almost 5 yuan. Although there is not much money, mosquitoes are meat no matter how small they are, so it is also good to buy some chicken legs and add meals ~ this is also a compulsory savings, and make plans for your old-age life in advance. If you have a friend with a large monthly salary, you can really consider paying more personal pensions. 4, open an account wool In addition, because the personal pension fund account, you can choose to open it in banks, brokers or insurance companies, fund companies, and third-party fund platforms, and these companies are usually big investors, of course, they will not miss this good opportunity.

At present, banks have started a big battle to open accounts, and we have a lot of wool to harvest. For example, China Merchants Bank can draw a lottery when opening an account. I have saved 1 yuan and drawn 3 yuan in the pension lottery. ICBC will also send 5 yuan in reduction. I believe that other banks are improving one after another, and I will sort out the wool competition of each bank in the future.

what's wrong with personal pension? Seeing this, are you already enchanted and want to open an account and put on this wool quickly? However, personal pension also has some shortcomings, which we have to make clear in advance. First of all, the flexibility is not enough. As a pension, it is the same as the social security pension. Normally, it can only be collected when you reach retirement age. If you have to buy a house or other urgent money halfway, you can't withdraw it at will. However, there are some exceptions, such as losing the ability to work or going abroad to settle down, which can also be collected in advance. In addition, if you die unfortunately, you can inherit it as an inheritance. Secondly, for people who earn less than 8, yuan a month and basically don't pay taxes, it is a pit to pay 3% tax when drawing pensions. It is worthwhile to pay a personal pension when the monthly salary reaches more than 1. In addition, there are too few types of funds that can be invested in personal pension at present, which is also a big disadvantage. At present, personal pension can only be invested in FOF funds, that is, funds that invest in funds. Although generally speaking, FOF funds are less risky than direct investment in stocks and bond funds, this form of investment in Russian dolls will allow us to pay more management fees to fund companies. Therefore, in the long run, it is difficult for FOF funds to earn better returns than stock and bond index funds with low management fees. In addition, I read the list of FOF funds for personal pensions, and most fund managers have only two or three years of experience, and they are still recruits. Whether they have an investment strategy that can stand the test of the market, whether they can face the violent fluctuations of the market with a indifferent attitude and take correct countermeasures, it is necessary to make a big question mark. You know, even fund managers with more than five years of experience have suffered from depression because of the sharp adjustment of the market. Moreover, some managers manage only a few hundred million funds, which makes me a little skeptical that they can manage such large-scale funds after personal pensions buy their funds and the fund scale expands to tens of billions. After all, there are restrictions on FOF funds to invest in funds, and the proportion of holding a fund cannot exceed 2% of the fund. This leads to the larger the scale of the FOF fund, the larger the scale of the fund it invests in, and the fewer funds it can choose accordingly. In addition, most of the fund companies on the list of FOF funds for individual pensions did not have a very bright performance in managing funds in the past, and very excellent companies were few. Considering these factors comprehensively, if your personal pension is intended to be used as an investment fund, I recommend the FOF funds of CEIBS and BOCOM. The products of these two companies have three advantages at the same time: good company+good manager experience+good performance. Finally, I believe that everyone has a preliminary understanding of personal pension, and it is suggested that there is no need to rush to open an account. After all, we have plenty of time. Even if we want to avoid the expiration of the deposit quota of 12, yuan this year, we still have a whole month to consider it. The most tactful way is to wait for the price comparison of opening an account in bonus hunter to be posted, and follow the map to find the most favorable bank to open an account ~ In addition, after opening an account, I found that different banks can invest in different fund products, so if I want to invest in the fund I selected, I have to pay attention to whether the bank sells the fund when opening an account. If you are afraid of missing this year's time, you must first avoid saving personal pensions in institutions that don't buy funds at a discount, because now the mainstream channels for buying funds are all discounted. For example, some bank fund subscription fees are only 5% off, so if you buy a fund of 12, yuan a year, it will cost about 72 yuan more, and you may not be able to return the wool you opened.