In 36 leading cities or regions such as Beijing, Shanghai, Guangzhou, Xi and Chengdu, individual pension accounts can be established through the national social insurance public service platform, the national people's social government service platform, the electronic social security card, the national unified online service portal such as "Pocket 12333APP" or commercial banks, and individual pension fund accounts can be opened through commercial banks.
After the two accounts are opened, you can pay to the capital account (the annual payment limit is 12000 yuan, and you can enjoy tax incentives) and buy personal pension products (including savings deposits, wealth management products, commercial pension insurance, Public Offering of Fund, etc.). , the specific wealth management products are determined by the financial supervision department), and the product list is published.
Source: Ministry of Human Resources and Social Security official website.
Different from the basic old-age insurance, individual old-age insurance is a supplementary old-age insurance system with government support, voluntary participation and market operation. The first batch of financial institutions providing personal pension services include 6 large state-owned commercial banks, 12 joint-stock banks, 5 city commercial banks,10/1 wealth management company, 14 securities companies, 7 independent fund sales organizations and 6 insurance companies.
Only when the insured reaches the age of receiving the basic pension, or completely loses the ability to work, goes abroad (settles down) and meets other conditions stipulated by the state can he receive the individual pension. After the death of a participant, the assets in his personal pension fund account can be inherited.
A number of banks have launched personal pension services.
On the same day, ICBC announced that it had become the first bank to officially launch personal pension business in 36 pilot areas of the national personal pension system. In terms of handling channels, customers can open an account online through ICBC mobile banking and "ICBC Services" WeChat applet, or open an account offline through ICBC outlets, smart ATMs, enterprise batches and other channels; In terms of product selection, ICBC has introduced specific old-age savings products in the industry and issued a variety of regular savings products that meet the requirements of old-age savings; At the same time, he participated in the launching and issuance of several pension funds, and gave full play to the advantages of the Group to launch the customized pension FOF fund of ICBC Credit Suisse.
According to the official news of China Life Insurance,1On October 25th, the first personal pension business of Guangfa Bank, a subsidiary of China Life Insurance Group, was launched in Beijing. In terms of handling channels, customers who meet the conditions for handling personal pensions in the pilot areas can open accounts, pay funds and purchase pension products through various channels such as Guangfa Bank APP, WeChat applet and business outlets.
165438+1On October 25th, Bank of Ningbo's personal pension business was officially launched. Customers in Bank of Ningbo, such as Beijing, Shanghai, Shenzhen, Hangzhou, Suzhou and Ningbo, can consult personal pension business through official channels such as the bank's business outlets and 95574 customer service telephone number, and open pension accounts and purchase pension funds through Bank of Ningbo APP. The relevant person in charge of Bank of Ningbo told the reporter that it will provide three aspects of personal pension business financial services: First, open a pension account and provide pension products; Second, pension planning services; The third is to plan channel projects for enterprises.
In addition, the personal pension business of Bank of Communications was officially launched on the 25th. Customers can open personal pension fund accounts through various official channels such as Bank of Communications personal mobile banking APP and business outlets, and purchase personal pension products through this account. The first batch of products of Mianke include a number of pension target funds, including the only star fund with a management scale of over 10 billion in the market-Bank of Communications enjoys a one-year stable pension. It is understood that on June 25th, 2022 +065438+20231October 25th-March 3rd1day, the basic old-age insurance participants in the individual pension pilot area opened their personal pension fund account in Bank of Communications for the first time, and they can get the "courtesy account opening" gift package by paying 58 yuan. At the same time, customers who jointly handle social security card business and recommend friends to open accounts can also get more gift package rewards.
Personal income tax APP has added personal pension related functions. The reporter noticed that the tax channel has added the function of "personal pension deduction information management", which supports scanning the QR code of personal pension payment voucher and inputting relevant deduction information.
Personal income tax APP screenshot
Understanding personal pension with six questions and six answers
First, who can drive?
Personal pension is the third pillar of China's old-age insurance system and a supplement to basic old-age insurance, enterprise and occupational annuity.
Employees who participate in the basic old-age insurance for urban workers or the basic old-age insurance for urban and rural residents in China can participate.
Second, how to drive?
Personal pension is based on personal account system, including two accounts, one is personal pension account and the other is personal pension fund account.
Jia Jiang, deputy director of Ministry of Human Resources and Social Security Endowment Insurance Department, said that these two accounts are unique and correspond to each other. Through commercial bank channels, these two accounts can be opened at one time. The funds in the account can be used to purchase qualified wealth management products, savings deposits, commercial endowment insurance and Public Offering of Fund.
Third, how to pay?
The maximum amount of personal pension paid by the insured person every year is 12000 yuan, and the annual payment of the insured person shall not exceed the maximum amount. Ministry of Human Resources and Social Security and the Ministry of Finance timely adjust the upper limit of payment amount according to the level of economic and social development and the development of multi-level endowment insurance system.
Participants can pay monthly, by stages or by year, and the amount of payment is accumulated according to the natural year and recalculated in the following year.
4. How much can I pay less for a tax?
In order to encourage people to participate in the personal pension system, the relevant departments have made it clear that since June 5438+ 10 this year, personal pensions will be subject to deferred tax preferential policies. After purchasing personal pension, everyone can deduct it before tax according to the annual limit of 1 10,000 yuan when paying individual tax.
Personal pension can buy savings deposits, wealth management products, commercial pension insurance and Public Offering of Fund. If income is generated, it will also involve personal tax payment. However, the policy is also clear: in the investment link, the investment income included in the personal pension fund account will not be subject to personal income tax for the time being.
When receiving personal pension, personal pension is not incorporated into comprehensive income, and personal income tax is calculated and paid at the rate of 3% alone. For people with higher income and higher tax rate than 3%, this is a more favorable policy when paying individual taxes.
5. how to collect it?
Personal pension fund accounts are closed, and the insured who meets any of the following conditions can receive personal pension monthly, by stages or at one time.
(a) to receive the basic pension age;
(two) completely lost the ability to work;
(three) to go abroad (territory) to settle down;
(4) Other circumstances stipulated by the state.
When the insured person receives an individual pension, the commercial bank shall examine the qualifications of the insured person through the information platform and transfer the funds into the insured person's own social security card bank account.
6. Is it heritable?
If the participant dies, the assets in his personal pension fund account can be inherited.
If the social security card of the insured person is cancelled due to settlement abroad or death, the commercial bank will transfer the funds in the individual pension fund account of the insured person to the fund account designated by himself or his successor.