Reporters from Dahe Finance Cube: Xu Bing and Zhu Juan Recently, personal pensions have attracted much attention from all walks of life.

So, what are the benefits of participating in a personal pension? How much tax discount can you get? Is it worth "getting on the bus"? On November 28, a reporter conducted an interview on the above issues, "The current tax deduction for personal pensions is 12,000 yuan per year.

Enjoy tax benefits within the quota. For people with different tax rates, the higher the tax rate used by the group, the higher the amount of personal pension tax savings.

Depending on the income level, a personal pension can save taxes ranging from 360 yuan to 5,400 yuan per year," said a bank financial manager.

"I usually spend money lavishly, this is equivalent to 'forced saving'." Open a bank App that has enabled personal pension-related business processing, find the personal pension image entry on the homepage and click to enter, then select the pilot city and click to open it immediately

, and then perform face recognition... On the afternoon of November 28, under the guidance of relevant staff of a joint-stock commercial bank, Ms. Chen from Zhengzhou opened a personal pension account online at home using her mobile phone.

"In the past two days, I have seen in the news that the personal pension system has been launched. Zhengzhou is one of the 36 pioneer cities. I have always been very concerned about pensions. After understanding some basic conditions, I opened it directly." Ms. Chen told reporters,

She works in an Internet company in Zhengzhou, earning a monthly salary of 7,000 to 8,000 yuan; her husband is engaged in the communications engineering industry and has no fixed place of work. He earns about 100,000 yuan per year and has two children in kindergarten at home.

"My husband and I have paid social security contributions in the past few years, but not much. After I had my children, I always wanted to buy commercial insurance for my family to provide additional protection, but I never bought it because I didn't know much about it," said Ms. Chen.

My parents don’t have pensions. Although they are not short of money on weekdays, they often feel their parents’ worries and anxiety, so they pay special attention to their pensions.

In her opinion, opening a personal pension account can not only force you to save money while you are young and make money, but also provide you with more life security when you are old, which is very practical.

During the interview, the reporter learned that there are many people like Ms. Chen who want to add security to their elderly life.

"You make relatively more money when you are young, but you spend money lavishly at ordinary times. This is equivalent to 'forced saving'. It leaves a way out for yourself, and you can ensure that you have income when you are old and don't make money, making your retirement life more secure.

." Mr. Wang, who lives in Zhengzhou High-tech Zone, told reporters.

Mr. Wang explained: "At present, the country's population is aging so seriously. Although my monthly salary is about 9,000 yuan at this stage, I have calculated it through the pension account book and found that my pension gap is still very large. When I retire,

It is possible to live on social security alone, but it is not enough if you want to provide quality pension.” The above-mentioned bank staff told reporters that since the bank’s personal pension-related business was launched, many people have consulted and handled it, especially those over 40 years old.

, "Compulsory savings, short period of time, quick withdrawal, and high cost performance are all the reasons why they choose to apply for it."

How many tax benefits can you enjoy? Tax savings ranging from 360 yuan to 5,400 yuan. In addition to preparing an additional pension supplement for yourself, personal pensions also have a major advantage-"tax saving."

"In the payment process, individual contributions to personal pension fund accounts are deducted from comprehensive income or operating income according to the limit standard of 12,000 yuan per year. This is the biggest benefit of personal pensions." A bank financial manager told

reporter.

So, how much tax benefits can personal pensions get? "Because my country's personal income tax system adopts a seven-level progressive tax rate, the specific tax savings are different for different income groups." According to the banker, the current tax deduction for personal pensions You can enjoy tax benefits within the limit of 12,000 yuan per year.

According to relevant calculations, for participants with an annual income of more than 60,000 yuan, personal pensions can save taxes ranging from 360 yuan to 5,400 yuan per year, depending on the annual income level. Among them, for those with taxable income of more than 960,000 yuan, the tax savings

The highest degree, saving 5,400 yuan within the year.

For example, if an individual has an annual income of 300,000 yuan, pays a social security provident fund of 60,000 yuan throughout the year, and pays a personal pension according to the annual limit of 12,000 yuan.

Then, before the personal pension is paid, the annual personal tax payable is: (300,000 yuan - 60,000 yuan - 60,000 yuan) × 20% - 16,920 yuan = 19,080 yuan; after the personal pension is paid, the personal tax payable

The tax is (300,000 yuan - 60,000 yuan - 60,000 yuan - 12,000 yuan) × 20% - 16,920 yuan = 16,680 yuan, which is equivalent to a tax saving of 2,400 yuan within the year.

"For some participants with an annual income of about 100,000 yuan, after deducting the tax exemption of 12,000 yuan, the personal income tax rate can be reduced from 10% to 3%, which can significantly reduce tax payments." The above-mentioned financial manager told reporters.

It should be noted that for people with an annual income between 60,000 yuan and 96,000 yuan, the personal pension is subject to a tax rate of 3% regardless of whether they have paid in or not. Without considering the time value, the tax preferential policy is not attractive.

force.

People with an annual income of less than 60,000 yuan are exempt from personal income tax. This part of the tax-free income will instead need to pay a 3% personal tax when withdrawing after depositing personal pensions.