You can buy personal pension on the China Merchants Bank app like this:

Open the China Merchants Bank mobile banking APP, search for personal pension on the homepage, and then click on personal pension to enter the new interface;

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Click to open an account now;

Upload your personal ID card and follow the prompts to complete the account opening.

In addition, you can also bring your ID card and bank card to the offline branches of China Merchants Bank to apply for account opening.

What are the benefits of paying a personal pension

In fact, it is to set up a pension account for yourself. Do not use the money in this account easily, even for necessities such as buying a house. Pension is a long-term need For planning, you can plan to deposit 20-30% of your disposable income every month in the early stage. This part of the money can be used to buy financial management, mainly with an income of less than 10%, and make full use of compound interest. After 20-30 years, it will be After discovering the huge advantages of compound interest, you can purchase products such as pension insurance, including pension funds that have been withdrawn recently, to strive for steady growth in wealth and to continue to receive pensions stably in old age.

The second is tax saving. Taking 10% as an example, it is 12,000*10%=1,200 yuan a year.

To sum up, personal pension fund accounts are unique, and each person can only choose one bank to open a personal pension fund account at the same time.

Legal basis:

"Social Insurance Law of the People's Republic of China"

Article 10

Employees shall participate in basic pension For insurance, the employer and employee must pay the basic pension insurance premiums together.

Individual industrial and commercial households without employees, part-time employees who have not participated in basic pension insurance in the employer, and other flexible employment personnel can participate in basic pension insurance, and the basic pension insurance premiums are paid by individuals.

The measures for pension insurance for civil servants and staff managed with reference to the Civil Servant Law shall be prescribed by the State Council.

Article 11

Basic pension insurance shall be combined with social pooling and personal accounts.

The basic pension insurance fund is composed of employer and individual contributions and government subsidies.