What is a personal pension? You can read this article first.

From which channels can I open an account? 1-National Social Insurance Company Service Platform 2-Human Resources and Social Security Government Service Platform 3-Electronic Social Security Card 4-Palm 12333 APP 5-Commercial Bank APP You can make money by opening an account here!

In order to encourage everyone to open accounts, major commercial banks have prepared a lot of money. As a veteran wool party, of course I cannot miss it.

The first batch of 23 banks shortlisted for personal pension accounts are: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, Postal Savings Bank of China, China CITIC Bank, China Everbright Bank, Hua Xia Bank, China Minsheng Bank, China Merchants Bank, Industrial Bank,

Ping An Bank, China Guangfa Bank, Shanghai Pudong Development Bank, Zheshang Bank, etc. You can search for personal pensions in the APP.

The currently known fees for opening a pension account: ICBC, Agricultural Bank of China, and China Construction Bank cost 50 yuan; some cities have 80 yuan or a JD card.

Some friends who have opened accounts said they didn’t get it. China Merchants Bank has a red envelope lottery + 10 yuan gift, Minsheng Bank has a lottery of 30 yuan, Ping An Bank has a lottery of 25 yuan, and Industrial Bank has a lottery. Some banks have a limit of 300,000 copies.

Just open an account immediately after reading the article. Don’t save money to collect the account opening fee.

I started too quickly, so I chose China Merchants Bank, and the red envelope + 10 yuan gift coupon I drew was available for purchase by insured persons in which cities. Currently, pilot projects are being carried out in 36 cities including Beijing, Shanghai, Guangzhou, Xi'an, and Chengdu, as follows: That is:

It is said that insured persons in these 36 cities can now buy personal pensions.

You can deposit money immediately after opening an account, either 12,000 at a time or 1,000 per month.

Tax benefits: There is no tax when you pay the money, and a 3% tax is deducted when you receive the money.

Those with high incomes have to pay, taking the people who are subject to 20% personal income tax as an example: an additional deduction of 12,000 yuan, 12,000* yuan each year; a tax of 2,400; if 12,000 is deposited into a personal pension account, it is equivalent to a current saving of 2,400

personal tax.

360 is deducted when withdrawing, and you actually enjoy the 2040 tax benefit.

This is cheap and can be earned.

People with an annual salary of one million can receive up to 5,040 tax benefits per year.

It's easy to save money but hard to withdraw it.

A personal pension account is essentially a long-term closed-end fund with no commitment or guarantee of long-term yield and payment time and withdrawal methods. Party A can modify the rules, and you, as an investor, have no say.

You can transfer it out only after you retire, you can transfer it out only after you retire, you can transfer it out only after you retire.

As for how long it will take to retire? Good question! Judging from the current delayed retirement, what do you think? Risk warning: New fund investors entering the market in 2021 will all lose money. If the personal pension account is an investment fund, no one can guarantee short-term stability.

It's profitable.

What will happen to your account in the end depends on what you choose, and the income is not guaranteed.

Is it ok if I don’t use it after activating it? It’s ok if I don’t use it after activating it. Just open a commercial bank account and get an account opening gift.

To collect the account opening fee, the four major banks are the first choice.

A family of four can get 200 yuan into their account with just a snap of their fingers.