According to the implementation method of personal pension, operating institutions use principal investment to realize asset appreciation after paying personal pension, and how much they receive after retirement is closely related to the balance of personal pension account, and each person's account balance is divided into two parts: one part is based on the implementation method of personal pension, after paying personal pension, operating institutions use principal investment to realize asset appreciation, and how much they receive after retirement is closely related to the balance of personal pension account, and each person's account balance is divided into two parts. It is the principal paid by the insured, and the other part is the investment income generated.

According to the provisions of Article 2 of the Measures, "the payment is entirely borne by the insured, and they can choose to buy financial products such as savings deposits, wealth management products, commercial endowment insurance and public offering funds that meet the requirements". In the choice of personal pension investment varieties, it is possible to earn and lose.

How much is the monthly income? It is suggested to open an individual pension account.

Personal pension can be used to save taxes. Every year, when handling individual taxes, there are special additional deductions, such as children's education, housing loans, support for the elderly, and serious illness medical care. And these special deductions can be tax deductible. Through the personal pension, a tax exemption can be temporarily formed, and the upper limit of the participant's annual personal pension payment is1.2000 yuan, that is, the part of his personal income-1.2000 yuan will be taxed.

Suppose you deduct five insurances and one gold every year, your income is 200,000, and there are no other pre-tax deductions. At present, the tax threshold is 60,000 yuan, which is 6.5438+0.4 million yuan after deduction, and the second tax rate is applicable:

If there is no personal pension tax preference, the annual tax payable is (200,000-60,000) ×10%-2520 =11480 yuan;

If there is tax preference for individual pension, the annual tax payable is (200,000-60,000-1.2 million) × 10%-2520= 10280 yuan.

In other words, the pre-tax income of 200,000 yuan can save the tax of 1.200 yuan in one year; By analogy, the higher the income, the more tax can be saved. If the annual income exceeds 6.5438+0.02 million, you can save 5,400 yuan a year.

People with an annual income of 96,000 and a monthly salary of 8,000 can only deposit in 360 yuan, which is equivalent to a return on investment of less than 3%, even lower than the debt base, and will be deducted by 3% when receiving it, so friends with an average monthly income of less than 8,000 actually don't need to consider participating for the time being.

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. As mentioned above, it is normal for the short-term return rate of the account balance to fluctuate, but if the period is lengthened, the long-term return of the individual pension account will be guaranteed through twenty or thirty 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 account manager of a joint-stock bank in Hangzhou believes that the specific configuration of each bank will vary from person to person because everyone has different risk preferences. Banks will definitely give targeted suggestions according to customers' risk preferences and investment styles, and banks will inevitably come up with good products to attract customers. "In terms of products, according to the pension goals of different customers, the Bank will provide purchase plans covering various categories such as pension financing, commercial pension insurance and pension Public Offering of Fund."