Today (165438+125 October)
Ministry of Human Resources and Social Security announced.
The personal pension system began to be implemented.
In Beijing, Shanghai, Guangzhou, Xi, Chengdu and other places.
36 leading cities or regions
Through the national social insurance service platform,
National social government service platform, electronic social security card
Waiting for the national unified online service entrance.
Or commercial banks and other channels to establish individual pension accounts
Open an individual pension fund account through a commercial bank.
So, what is an individual pension?
What are the benefits? How to buy?
Click on the video below and you will know what you want.
Let miss ABC tell you.
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What is an individual pension and what is its function?
Personal pension is a system based on account system, supported by government policies, voluntary participation by individuals, market-oriented operation and supplementary functions of pension insurance.
Also known as the "third pillar of old-age care", it forms the "three pillars" of China's multi-level and multi-pillar old-age security system together with basic old-age insurance (the first pillar, social old-age care), enterprise annuity or occupational annuity (the second pillar, contributions from units and employees).
Personal pension, as an important measure to improve China's old-age security system, can add a personal accumulation for the public on the basis of basic old-age insurance and enterprise (occupational) annuity, so that the life of the elderly is more secure and quality.
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What are the prerequisites for participating in personal pension services?
The first is the identity condition. According to the relevant requirements of Ministry of Human Resources and Social Security, those who participate in individual pension services must be the insured persons of basic endowment insurance for urban workers or basic endowment insurance for urban and rural residents.
The second is geographical conditions. It should be within the scope of the first batch of cities announced by Ministry of Human Resources and Social Security.
The third is compliance conditions. Just like opening an ordinary bank account, it must meet the regulatory requirements of anti-money laundering and real-name registration system and the relevant rules and regulations of the bank, and there must be no abnormal account opening behavior.
Individual pension cities include:
Beijing, Tianjin, Shijiazhuang and xiong'an new area in Hebei, Jincheng in Shanxi, Hohhot in Inner Mongolia, Shenyang and Dalian in Liaoning, Changchun in Jilin, Harbin in Heilongjiang, Shanghai, Suzhou in Jiangsu, Hangzhou and Ningbo in Zhejiang, Hefei in Anhui, Nanchang in Fujian, Qingdao in Jiangxi, Dongying in Shandong, Zhengzhou in Henan, Wuhan in Hubei, Changsha in Hunan, Guangzhou, Shenzhen in Guangdong and Guangxi. Chengdu in Sichuan, Guiyang in Guizhou, Yuxi in Yunnan, Lhasa in Tibet, xi in Shaanxi, Qingyang in Gansu, Xining in Qinghai, Yinchuan in Ningxia and Urumqi in Xinjiang.
In particular, the whole territory of Fujian Province has been included in the first batch.
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What are the characteristics and advantages of individual pension fund accounts?
The first is the "uniqueness" of account opening.
The public can only choose qualified commercial banks and open the only personal pension account under their names after being verified by Ministry of Human Resources and Social Security Information Platform.
The second is the "particularity" of the nature of the hukou.
This account is a special type II account, which is different from the ordinary type II account. The transfer, withdrawal and investment of funds in this account are not limited by the amount, so it is more convenient to use.
The third is the "freedom" of account deposits.
The deposit limit of this account is 65,438+02,000 yuan per natural year, but it can be withdrawn freely by month, installment and year, and there are no restrictions on deposit frequency and single deposit amount. , and it is not mandatory to pay fees continuously every year or month.
The fourth is the "closedness" of account operation.
The account is closed, and the funds in the account can be in the form of demand deposits, and can also be used to purchase personal pension savings, wealth management products, insurance and Public Offering of Fund products that meet regulatory requirements. In addition, it does not support any other financial functions, such as withdrawal and transfer. Only when you reach the age of receiving basic pension, completely lose your ability to work, go abroad (border) to settle down or other circumstances stipulated by the state can you receive personal pension by month, by stages or at one time.
The fifth is the "autonomy" of account investment.
The public can decide the above-mentioned asset allocation scheme and investment plan independently, including but not limited to investment varieties, investment amount, transaction frequency, etc. But at your own risk.
Sixth, the "preferential nature" of individual tax payment.
In the payment link, the individual's contribution to the account is deducted from the comprehensive income or operating income, that is, "tax base deduction"; In the investment link, personal income tax will not be levied on investment income for the time being; In the process of collection, individual income tax is paid separately at the rate of 3%.
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Why do you want to participate in personal pension services?
First, individual pension is an effective supplement to improve the quality of pension.
At present, China has gradually entered a deeply aging society. The basic old-age insurance in the future may not be enough to meet people's pursuit of high-quality old-age life, and personal pension investment can be an important supplement.
Second, it can save personal income tax expenditure.
Based on the deposit of the current year 12000 yuan, you can save up to 5400 yuan of personal income tax expenditure in that year (calculated at the highest tax rate of 45%).
The third is the "spotlight effect" of investable products.
Personal pension is an important part of the national old-age security system, and its investable products (personal old-age savings, insurance, funds and wealth management products) must be recognized by the financial supervision department, with strict access, standardized operation and predictable market performance.
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How to open a personal pension fund account in ABC?
China Agricultural Bank provides online and offline multi-channel account opening methods.
Offline channels need to carry valid identity documents, open a personal pension fund account entity card at the counter of Agricultural Bank outlets, or scan the outlets to move the PAD QR code to open an electronic account. You can also entrust others or work units to open capital accounts in accordance with relevant regulations.
Online channels can prepare valid identity documents and any Class I debit cards of six state-owned commercial banks, such as ICBC, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications and Postal Savings Bank, log in to the mobile banking of Agricultural Bank of China, click "All-Investment-Pension Zone-Personal Pension" in turn, and open an electronic account conveniently according to the operation prompts, or directly search for "Pension Zone" to enter the operation. You can also pay attention to the official WeChat account of Agricultural Bank of China, click Online Service-Business Hall-Investment-Personal Pension, or pay attention to the official WeChat account of Weizhong Bank of Agricultural Bank of China, click Business Hall-Investment-Personal Pension, and follow the prompts to open an electronic account online.
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Entrance of personal pension fund account of ABC mobile banking.
In addition, ABC also offers free annual fee, account management fee, SMS fee, transfer fee and other benefits.
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How to deposit the personal pension fund account?
Agricultural Bank of China supports the following deposit methods: counter transfer or cash deposit, mobile banking deposit or transfer, personal online banking transfer, etc.
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How to use the funds in the personal pension fund account?
The funds in the account will be kept in the form of demand deposit, and enjoy current interest. Citizens can choose to buy personal pension savings, wealth management products, insurance, Public Offering of Fund and other financial products that meet the requirements, and decide their own investment plans. The Agricultural Bank of China will continue to diversify its products and provide high-quality financial services.