After the two accounts are opened, you can pay to the fund account and buy personal pension products. The annual payment limit is 12000 yuan, and you can enjoy tax concessions when paying. You can purchase savings deposits, wealth management products, commercial endowment insurance, Public Offering of Fund, etc. Specific financial products shall be determined by the financial supervision department.
The first batch of 23 banks shortlisted for individual pension accounts can formally open individual pension accounts. The account opening channels are divided into online and offline. The account opening banks include: six state-owned banks established diplomatic relations between workers and peasants, five joint-stock banks such as CITIC, China Everbright, Huaxia, Minsheng, China Merchants, Xingye, Ping An, Guangfa, Pudong, Zheshang, Bohai and Hengfeng, and five city commercial banks such as Bank of Beijing, Bank of Shanghai, Bank of Jiangsu, Bank of Ningbo and Bank of Nanjing.
Most banks in Wuhan support the opening of individual pension accounts.
In addition to local corporate banks, most banks in Wuhan can open two accounts online: individual pension accounts and individual pension fund accounts.
The reporter learned that on June 25th, 165438+ opened a personal pension account in all institutions of Han Bank. Opening this account can be done offline at business outlets, or online through mobile banking or online banking. For example, online processing does not require offline procedures, only online outlets need to change accounts or cancel accounts.
What's the difference between these two accounts? People from Guangfa Bank told reporters: "Generally speaking, pension accounts are used to collect money, while pension fund accounts are used to pay money. Personal pension fund account is closed. Insured persons who have reached the age of receiving basic pension, completely lost their ability to work, settled abroad and other circumstances stipulated by the state can receive personal pension on a monthly, phased or one-time basis. "
Participating in individual pension can enjoy the preferential tax policies of the state. In the payment link, the individual's contribution to the individual pension fund account is deducted from the comprehensive income or operating income according to the limit standard of 12000 yuan/year; In the investment link, the investment income included in the personal pension fund account is not taxed temporarily; In the process of collection, the personal pension received by individuals is not incorporated into the comprehensive income, and the individual tax is calculated and paid at the rate of 3%, and the tax paid is included in the "income from wages and salaries" project.
You can open an account in one minute. The highest reward is 500 yuan
Since each participant can only open a unique pension fund account in one bank, in the face of the "blue ocean market" of personal pension of trillions, Wuhan banking institutions have started the "grab people" model.
At present, mobile banking has become the main position for banks to open personal pension accounts. The pilot bank in Korea opened an account opening area to explain the account opening process through pictures and videos.
According to the video introduction of the Agricultural Bank of China, the reporter logged into the homepage of the Agricultural Bank of China and found that the search bar had its own pension area options. Click to open an account, enter the password, upload the positive and negative photos of the ID card, bind the account, recognize the face, set the password and complete the account opening.
China Merchants Bank has made a direct QR code, and scanning China Merchants Bank's mobile banking can directly enter the account opening page.
The Postal Savings Bank has set up a special "U Enjoy the Future" pension financial service area in mobile banking. In this area, customers only need to select a Class I account as a binding account for verification. After face recognition and setting account passwords, they can open personal pension accounts and personal pension fund accounts at the same time.
In order to attract customers, in addition to simplifying the account opening process, banks have also launched lottery, red envelopes and other activities. Agricultural Bank of China can win the reduction of 50 yuan WeChat, China Merchants Bank can draw a red envelope of up to 288 yuan, Guangfa Bank can get 50 yuan benefits by scanning the code to open an account, and Postal Savings Bank can get a red envelope of up to 500 yuan.