Theoretically speaking, it is possible for individual pension accounts to lose money. However, because the personal pension account has the characteristics of closed accumulation and long-term investment, it is not allowed to withdraw in advance except for special circumstances such as retirement, so it is more reasonable to evaluate the long-term rate of return. It is normal for the short-term return rate of pension account balance to fluctuate, but if the cycle is lengthened, the long-term return of individual pension account is guaranteed through 20 to 30 years of investment. "

The data shows that the annualized rate of return of the National Social Security Fund in the past 20 years has exceeded 8%, and the annualized rate of return of the enterprise annuity in China has also exceeded 7% since 2007.

"So the scenery should be long-term and don't care too much about short-term fluctuations."

The higher the income, the more obvious the tax credit effect.

. It is the most cost-effective for people with fixed wages.

According to the announcement issued by the Ministry of Finance and State Taxation Administration of The People's Republic of China, individual pension investment has arranged different tax preferential policies in the payment link, investment link and collection link, namely:

In the payment link, it is deducted before tax according to the limit of 12000 yuan/year;

In the investment link, the investment income is not taxed for the time being;

In the process of collection, the payment and income are not incorporated into the comprehensive income, and the tax is calculated and paid separately at the rate of 3%.

The first is that personal pension can be tax deductible, which is obviously a very important reason to attract everyone to pay personal pension.

So although personal pension is not guaranteed. But from the perspective of long-term investment, it can indeed make steady profits.