Just when many people haven't figured out what a personal pension is, when considering whether to participate, some netizens took a screenshot of the loss of less than two weeks of deposit. Is this the "leek" project? Is it necessary for us to buy a personal pension? Before answering this question, let's take a look at the screenshots of netizens.
Obviously, this netizen paid his personal pension according to the upper limit.
According to the "Measures for the Implementation of Individual Pensions", at present, each person can pay the individual pension according to the upper limit of12,000 yuan per year, and the total assets of the individual pension account of users in India are RMB. I believe no one will be so bored and deliberately pay these principals.
The only explanation is that the netizen paid 12000 yuan, which is close to the upper limit, and used up the quota in 2022. After that, I lost RMB, and the balance of my personal pension account was insufficient 12000 RMB. To put it bluntly, the netizen's principal was still lost after paying his personal pension.
I believe many friends have begun to doubt the personal pension system. Don't worry, read the rest before deciding whether to buy it.
Participating in personal pension is divided into three steps, one is to open an account, the other is to pay fees, and the third is to choose investment varieties.
Opening an account is equivalent to applying for a new savings card at the bank, and it won't cost anything. Opening an account does not mean that the money is deposited. This truth should not be difficult to understand. In view of the incentive policies of many banks, it is suggested that everyone can open an account and receive a wave of bank wool.
Deposit is equivalent to putting money into a newly opened bank account, except that this account is a personal pension account. Note that once you pay in, your money can't be taken out before retirement (unless you die or live abroad), so strictly speaking, paying in is really participating in personal pension.
After the money is deposited into the personal pension account, there is basically no investment income. Just as we deposit money in a current deposit, the deposit interest rate is the same for one year. According to the upper limit of 12000 yuan, the interest paid in one year is only 36 yuan.
In order to get more investment income, you have to complete the third step-choose investment varieties.
This process is the same as investing in various financial assets after individuals deposit money in bank accounts. The funds in the personal pension account can be invested in four major financial products, namely, savings deposits (time deposits), commercial pension insurance, wealth management products and Public Offering of Fund. Of course, it is ok not to choose investment varieties, but the personal pension paid every year can only generate current interest.
The netizen who took the screenshot should have chosen to deposit before buying a Public Offering of Fund, and another screenshot posted on the Internet can basically be judged.
The market value in the netizen's fund account is completely consistent with the personal pension balance, that is, all the deposited 12000 yuan is invested in the fund.
Public Offering of Fund, where personal pension can be invested, is basically similar to the wealth management products with R2 and R3 risk levels. Fund managers will buy bonds and stocks of various companies in the market. During this period, the net value of wealth management products in the whole market is declining, and Public Offering of Fund, which corresponds to personal pension, can't escape this fate. As a result, netizens just bought personal pensions and lost money in less than two weeks.
In fact, a more accurate statement is that Public Offering of Fund, where netizens invested with personal pensions, suffered losses.
Is it possible not to lose money? It's entirely possible.
First, the recent poor market conditions of funds and wealth management products do not mean that they will never be good. Personal pension can only be withdrawn after retirement, and the closure period is very long. In the long run, the invested funds will eventually achieve positive returns. Friends who have bought bond funds for a long time can prove it.
Second, simply don't invest in funds. The safest thing is to choose savings deposit after paying personal pension like me, instead of pursuing high income, just seeking stable time deposit interest.
The following picture shows my investment after I paid my personal pension 12000 yuan.
I choose three-year time deposits, and the annual deposit interest rate includes one-year, two-year and five-year time deposits. Although the deposit interest rate of the five-year maximum annual deposit rate is not high, it is still simple interest, which is not comparable to the expected compound interest of 4%-7% of the fund, but it is stable and will not lose money.
For me, if I really want to buy funds, stocks or other financial products with high risks and high expected returns, I don't need to buy them through personal pension channels. Isn't the pursuit of pension stability?
Netizens really didn't talk nonsense. They just lost money when they paid the personal pension, but even if the money is not paid into the personal pension, they will still lose money as long as they buy the fund, so there is no direct relationship between the loss and the personal pension. Finally, do you want to pay a personal pension?
At present, the biggest advantage of personal pension is that it can avoid taxes and reduce the annual personal income tax expenditure. There are two points to note.
To receive a personal pension after retirement, you need to pay a personal pension at the rate of 3%; People who don't need to pay taxes in the first place can't enjoy the benefits of tax avoidance.
Please have a look at the comprehensive income tax rate table of China. Different income groups pay different tax rates.
Taxable income is almost income minus 60,000 yuan. For example, Zhang San's income is 80,000 yuan, taxable income is 20,000 yuan, and the corresponding tax rate is 3%. Tax amount to be paid = 20,000 *3%=600 yuan.
The income from Li Si is 6,543,800 yuan, the taxable income is 40,000 yuan, the corresponding tax rate is 654.38+ 00%, the quick deduction is 2520, and the taxable amount is = 40,000 * 654.38+00%-2520 = 654.38+0480 yuan.
Li Si's hand income is 25% higher than Zhang San's, but the tax paid is higher 147%. The higher the income, the higher the tax paid, and it is not proportional to the income.
The following is a summary of whether all kinds of people have paid personal pensions.
For those whose annual income is less than 60,000 yuan, their taxable income is negative, so they don't need to pay a tax originally, and they have to pay a tax of 3% when they receive it after retirement, so they don't need to pay personal pension for the time being (you can open an account first and get a small red envelope from the bank).
For those who earn 60,000 yuan to 1 10,000 yuan, the current marginal tax rate is 3%, which can save tax, but when they retire, they have to pay 3% tax, and whether they pay it or not has little effect.
If the income is more than 1 ten thousand yuan, the current marginal tax rate is 10%. Paying personal pension can play the role of tax avoidance, and the higher the income, the more obvious the tax avoidance effect. For example, a person with an annual income of 6,543,800 yuan can save 5,400 yuan in tax after paying a personal pension of 6,543,800 yuan. The tax to be paid in the future is 360 yuan, and the tax avoidance effect is the most significant.
Everyone judges whether to pay personal pension according to their personal situation. At the same time, it is suggested to invest in low-risk or even zero-risk financial assets, such as savings deposits.
The above is purely personal, welcome to pay attention and praise, your support is the best encouragement for originality!