The information platform opens personal pension accounts and personal pension fund accounts in banks.
Personal pension is tax-deferred. The amount paid by personal pension in the current year can be deducted from the taxable income, and personal income tax will be paid in accordance with the regulations. Because the personal income tax rate can be as high as 45%, while the personal income tax rate for receiving pensions is only 3%. In order to prevent the rich from excessive tax avoidance, the annual personal pension payment limit is only 10000 yuan, which means that the personal income tax can be saved at most 5400 yuan. Compared with the 45% tax rate-people with an annual income of 700,000 to 800,000, talking is better than nothing.
Personal pension is good for everyone, because it has launched a series of financial products suitable for pension. For example, specific pension savings, bank pension financing, commercial pension insurance, pension target funds and so on. Generally speaking, the income of these wealth management products is much higher than that of ordinary bank deposits and short-term wealth management products that we are familiar with. Coupled with the state's tax incentives for the holding period, the management fee and handling fee of the fund,
Ordinary people are also suitable to participate in personal pensions.
The basic old-age insurance system for employees in China has only been established for 30 years, and the old-age insurance system for urban and rural residents has only been established for more than 10 years. For many people, it is very low to rely solely on social security to provide for the elderly. If you have an extra personal pension, it can effectively supplement the pension benefits. Moreover, because you can freely choose the amount, you can form a more flexible supplementary old-age security.
After the implementation of the personal pension, if the personal pension is issued before retirement 15,
Can you form a pension of 2000 yuan in the future? The actual situation is similar.
The key to personal pension benefits lies in its return on investment. Professor Zheng Bingwen, director of the World Social Security Research Center of China Academy of Social Sciences, said that according to the investment income of individual pensions in developed countries, the annualized rate of return can reach around 7%. As early as 2000, China established the National Social Security Fund. Since its establishment, the cumulative net financial allocation has reached 1 billion yuan. At present, the equity of social security fund is 1 100 million yuan, and the annualized rate of return on investment is as high as src = "/feed/267F9E2F070828381E8FF23412f0A0408f1E0. JPEG @ token = 4 DD 60 a 307 a 8288 19 ed 053 ad 0 14b 92 deb "/>； If calculated according to the investment return rate of the national social security fund, the payment is 15 years, and the annual payment is 10000 yuan. /kloc-after 0/5 years, the accumulated personal pension account is 10000 yuan.
If you use this money according to the current number of months of personal account pension, you can get a monthly pension of 2 125 yuan and 2,598 yuan when you are 55 years old and 139 months old.
Therefore, paying a pension of 10,000 yuan a year can increase more than 2,000 yuan a month, which is actually a very cost-effective investment.
Of course, because you still need it when you collect it.
Those who pay 3% personal income tax may feel distressed. However, if you just put your money in the bank and enjoy the interest rate of about 3% per year, the principal and interest after 15 is only 230,000 yuan, and the monthly pension you can receive is 1.350 yuan and 1.650 yuan respectively.
Most importantly, if calculated according to the rate of return, the annual interest of 1 ten thousand yuan can reach 30 thousand yuan.
Basically, it can cover the individual pension withdrawn every year. If there is only 3% bank interest rate, the annual interest is only 6900 yuan, and the money will be taken out soon.
Therefore, if you want to have an adequate old-age security when you get old, it is very necessary for those who want to save for the elderly and those who have the ability to participate in this kind of personal pension.