Give you an inventory of what our "personal pension account" can buy and provide some decision-making ideas.

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As usual, the sooner the better. Previously on:

Personal pension includes two accounts-

Parent account:

Personal pension accounts, opened through official website or banks, are associated with social security accounts and record the change information of sub-accounts.

Sub-account:

Eligible banks, wealth management companies, insurance companies and fund companies can open capital accounts. Use capital account to invest in related financial products.

There are four requirements for the money deposited in the account:

Compulsory Locking+Retirement Collection+Tax Deferred and Preferential+Upper Limit 1.2W/ year

No matter what products you invest in with your pension account, all the funds will operate under the above four constraints.

2

What can I buy with my personal pension account?

Made a table, like this:

Bring everyone one by one:

1

Endowment insurance, pay attention to the insurance here is also used for investment, mainly investment-linked insurance. Generally, it is guaranteed income+floating income, and the expected income is in the range of 2.5-5%.

At present, the endowment insurance is still in pilot operation, and there are two types of products on sale: tax-deferred commercial endowment insurance and exclusive commercial endowment insurance.

If you want to buy, you need to pay special attention to the rate! The rate wear of insurance products is generally large!

2

Pension savings, nothing to say, just bank deposits! The term is 5 years, 10 years, 15 years and 20 years. At present, the interest rate is around 4%, and the interest rate of ordinary five-year time deposits in banks is around 2.7%.

At present, it also runs in the form of a pilot project. Four major banks of agriculture, industry and construction in China have been established in five pilot cities, with a total scale of about 40 billion.

three

Pension financing is similar to bank financing. The expected rate of return I wrote is 5%-7%, which is not much different. Anyway, the lower limit of the performance benchmark of several old-age wealth management products currently in operation is 5.8%.

The biggest feature of pension financing is that it can invest in non-standard assets. What does this mean? Transparency is general, and the underlying assets are not clear.

four

The pension fund, namely the public pension FOF, I personally recommend it most. Since they are all ultra-long-term investments, it is of course necessary to give enough risk exposure, use time to stabilize fluctuations, and be an aggressive stock market giant.

The bottom line of the long-term return rate of pension funds is 7%, because similar annuities/life extensions can achieve a return of about 6% if they run for 30 years, and people do not fluctuate. Holding FOF bears the fluctuation, so the income is definitely higher.

Pension FOF is divided into two mechanisms:

The first batch of FOF*** 129 published by CSRC includes 79 target risk groups and 50 target date groups. You can choose any style, but you must understand the key of products like FOF-

On the premise of reducing portfolio fluctuation and retracement, we should try our best to improve the income through long-term investment.

Such a combination

Annual yield

+annualized volatility+maximum retracement

The three indicators should be looked at comprehensively.

Of course, as mentioned above, no matter how well the fluctuation and retreat are controlled,

If the income is less than 7%, it doesn't make much sense.

three

This paper sorts out the characteristics of four types of products that can be invested in personal pension accounts, hoping to provide some ideas for your subsequent decision-making. It is estimated that many people will feel that the benefits of these products are less after reading them, so I will add a few more points:

The strong lock-up period of pension accounts seems to be a shortcoming, but it is actually an advantage-continuous investment+real compound interest environment.

Time will bring you unexpected returns.

Don't forget there is more.

Deferred and preferential tax treatment, and

Preferential transaction fees, which will increase returns. As long as your current tax rate exceeds 3%, participating in personal pension will have a tax-saving effect. The higher your income, the more significant the tax-saving effect will be.

In fact, you don't have to care too much about the rate of return. Are you afraid of more pension money?

Something is better than nothing.

!

Finally, if your income is limited, please

It is urgent to give priority to medical insurance and health insurance.