As an audience, you need objective and rational analysis to distinguish whether it is a trap or not.

At first, I thought that personal pensions were something that every citizen could choose to buy. Only after seeing the popularization did we find out that there was also a threshold. Only those who had bought one of the two types of pension insurance could get started.

As for the limit, there is currently a maximum payment limit each year, but there is also room for "increase every year" in the future.

The payment increases every year, but the income does not rise to a corresponding proportion every year. Even if the new coronavirus epidemic continues, the income will decrease. The result is that it is a pity to eat without meat and throw away the waste.

Money also most likely contributed.

Finally, there is the investment in personal pensions.

The high interest rate brought about by the long cycle is a selling point, but the inability to withdraw money freely and the personal investment risk are prohibitive.

As an adult, it is natural that you should bear the corresponding results and even consequences of your personal choices.

It is visually estimated that high-income people who have guaranteed income despite droughts and floods can enjoy some tax exemption without affecting their daily lives. Buying more will provide more protection for the future.

On the contrary, it is understandable that there are low-income people who have no idea about the future and choose to have cash in hand and live in the present. "If you have wine today, you will be drunk tomorrow."

Participation method Participants can participate in personal pensions through the national unified online service portal such as the National Social Insurance Company Service Platform, the National Human Resources and Social Security Government Service Platform, the electronic social security card "Zhangzhang 12333 APP", or through commercial banks and other channels.

Pension account, open a personal pension fund account through a commercial bank.

After the two accounts are opened, you can pay fees to the capital account, purchase personal pension products, and enjoy tax benefits when making payments.

Available products include savings deposits, financial products, commercial pension insurance and public funds.