Personal pensions are out!

Will you rely entirely on yourself for retirement in the future?

Is it necessary to pay?

As we all know, our country's society is aging more and more, and there are more and more retired employees.

For the country, the pressure on elderly care services is indeed unprecedented.

Under such circumstances, the third pillar of pensions has been launched in our country, which is actually personal pensions.

In this way, the money in everyone's pension account can be added to lay the foundation for retirement life.

So what are personal pension regulations?

In fact, the personal pension system is that individuals can set up personal pension accounts according to their own preferences.

In such an account, we can pay contributions. The current maximum pension payment can be 12,000 yuan a year.

And the deposit period of this money is very long, generally speaking, it is more than ten years or more than twenty years.

In this way, this kind of account can be closed and some financial products such as commercial pension insurance or securities funds can be purchased to obtain more profits.

Although the risk is borne by the individual, there may be a very large guarantee from the state.

This is a very good choice for some of us who want to improve our pension level.

It can be said that this method can effectively improve the level of personal pensions and reduce the pressure on social pensions to a great extent.

It is worth mentioning that you can also enjoy tax-free policy benefits when paying personal pensions.

In other words, if you come to participate in the insurance and pay the premium, you will not have to pay taxes on this part of the money for the time being. The state will encourage these qualified people to participate based on existing tax policies.

The existing first social pension insurance in my country supports individual accounts and comprehensive accounts. If the insured person dies, the money in the individual pension account can be inherited as a suicide note.

However, this part of the personal pension can be inherited in full and cannot be transferred to the comprehensive account. Instead, it is all in your own personal account.

Although the personal pension system has just been implemented, many people are skeptical about this matter.

But if you can increase your pension needs, if you want to have more pensions in your later years and get a better old life, you can actually try to buy some personal pension products.

This is indeed a very good choice for the elderly who have spare energy.

And for the country, it can also reduce the pressure on vacancies in national elderly care services to a certain extent, which is also a contribution that everyone can make to the country.

What do you think?

Will everyone choose to pay personal pension?

Welcome to leave your answers in the comment area.