1. Mandatory savings: Although we can also deposit money in the bank, it is difficult to guarantee a stable long-term deposit because individuals can take it at will, and there is still no money when they retire. If you participate in the individual pension payment, the funds in the individual pension account cannot be withdrawn in advance, which is equivalent to compulsory savings.

2. Tax incentives: If you buy insurance, at least you don't have to pay tax on this part of the money for the time being. China will formulate tax incentives to encourage qualified personnel to participate in the personal pension system and receive personal pensions according to regulations.

3. Help everyone to establish financial management methods: Personal pension can also be used for investment and financial management, and the funds in personal pension fund accounts can be used to purchase financial products such as bank financial management, savings deposits, commercial pension insurance and Public Offering of Fund. Comply with relevant laws and regulations, and can realize money generation. Although investment is risky, the risk is very small because of strict supervision and transparent operation.