It is a product of the times to adjust the upper limit of personal pension payment in a timely manner. The reform of the old-age insurance system has been steadily advanced, the coverage has been continuously expanded, the fund income has been continuously increased, the system is generally stable, and it has strong guarantee and distribution capabilities. In the era of aging society, it is also reasonable to adjust the upper limit of personal pension payment in time to cater to the development of society.
The promotion of personal pension system has three characteristics: preferential policy support, diversified product selection and more convenient service. At present, preferential policies are mainly embodied in three links. In the payment stage, the personal income tax is deducted from the payment amount before tax, and the investment income is not taxed, and it is taxed at a lower tax rate of 3%.
Significance of adjusting the upper limit of personal pension payment in time
1, balance of payments
The annual income and expenditure of the basic endowment insurance fund for enterprise employees are basically balanced, and the fund operation is generally stable.
2. The fund has a transfer.
In order to solve the structural contradiction of uneven distribution of funds, on the basis of implementing the central fund adjustment system, the national overall planning system was launched last year, and the funds were uniformly adjusted nationwide, with great efforts.
3. Financial input
The central financial subsidies continued to increase, and the local finance established a long-term investment mechanism, and the investment continued to increase.
4. Long-term reserves
The scale of the national social security fund has been continuously expanded, and the transfer of some state-owned capital to enrich the social security fund has been completed. These two funds are long-term reserves of pension funds.