2022 has entered the countdown. According to the new policy of "tax preference" for personal pension, individuals who want to enjoy the tax credit for personal pension investment in 2022 need to complete account opening and deposit within this year.
Even counting seven weekends, the current investment time is only 2 1 day.
The new policy of personal pension investment is the support policy provided by the state for public pension. The maximum per person per year is 12000 yuan, which can be deducted before tax and invested in related pension products.
The most important thing is to open a special pension account for the bank. There are only 23 banks with the above qualifications. Most of them provide excellent gifts for investors to open accounts.
What is the specific situation?
Banks offer four types of "red envelope benefits"
According to the incomplete statistics of Zishitang, at present, at least 17 of the first batch of 23 banks qualified for personal pension accounts have announced their account opening rewards.
Among them, most banks' account opening incentive activities will last until the end of March next year, but some banks will not end until the end of 65438+February this year.
Judging from the account opening rewards of these banks (all of which are head offices), the account opening welfare activities of various banks are mainly divided into four categories:
The first category is to open an account and send it directly to WeChat in the form of charging cash-filled red envelopes for reduction or corresponding "sending money";
The second category is the "lottery faction" that opens an account to send lottery opportunities;
The third category is the "mashup faction" of the above two types of rewards;
The fourth category is the "integral school" that sends "points" when opening an account.
The most direct "money giver"
Money-sending groups are more generous and direct among the above-mentioned banks, and usually indicate that after opening an account, they will send the money directly to WeChat for reduction or corresponding cash-filled red envelopes.
Suitable for the crowd: the "black hand" party with bad luck at parties, annual meetings and lucky draws.
Relevant banks include: Industrial and Commercial Bank of China, Bank of China (Shanghai Branch), Bank of Communications, China CITIC Bank, China Guangfa Bank and Shanghai Pudong Development Bank (Shanghai Branch).
China guangfa bank: the activity ended on February 3 1 and February 22, and opened an account with China guangfa bank to receive 50 yuan welfare fund. If you deposit 1000 yuan-12000 yuan in your account, you can get the maximum income of 150 yuan. Account opening benefits include WeChat reduction, living welfare vouchers, credit card repayment circle and Guangfa Mall vouchers, and you can choose one of the four categories.
Shanghai Pudong Development Bank (Shanghai Branch): Open a pension account, with the deposit amount exceeding 1 1,000 yuan, and distribute it to 50 yuan WeChat reduction fund, and then receive 60 yuan WeChat reduction fund.
CITIC Bank: As of the end of March 20 13, the bank opened an account to set up 20 yuan WeChat reduction fund; After opening an account, the balance of the personal pension account reaches 1000 yuan at one time, and you can receive 18 yuan WeChat reduction; If you reach the standard of 12000 yuan at one time, you can receive the 68 yuan WeChat reduction (you can't have it both ways).
Bank of Communications: Before March 3, 20031,account holders need to pay 58 yuan gift package, with a reward limit of 165438+ 10,000.
Industrial and Commercial Bank of China: Before Feb. 65438+Feb. 3, 2012 1, you can receive 50 yuan WeChat reduction by opening an account and depositing1yuan or more, on a first-come-first-served basis.
Bank of China (Shanghai Branch):165438+1October 23rd-65438+February 9th, I made an appointment to open an account for personal pension through the activity page, and gave 10 yuan WeChat to reduce the account, and the account was activated and superimposed with 20 yuan WeChat to reduce the account fee; Open an account directly. The account is activated, and 30 yuan WeChat will send a reduction or phone bill. 30 yuan is the highest reward for a single customer.
Tempting "mashup"
The mashup faction refers to a bank that not only directly sends a WeChat reduction amount (red envelope), but also gives back to the lottery after meeting the corresponding conditions.
Suitable for the crowd: I hope that in addition to the reward of "guaranteeing the bottom", I can also use "stabilizing the party" with luck.
The banks of this school are: China Construction Bank and Agricultural Bank (Shanghai Branch).
China Construction Bank: open an account before 65438+February 3, 20221,and experience the recharge to receive the 50 yuan WeChat reduction; In 2022, when the accumulated deposit amount of CCB's personal pension fund account reaches 500 yuan, you can receive the 20 yuan WeChat reduction; After successfully opening an account, you can participate in the lucky draw, and you can enjoy a CCB life coupon with a minimum of 888 yuan in 5 yuan.
Agricultural Bank of China (Shanghai Branch): Open an account, and get a reduction from 50 yuan WeChat, another lottery.
Lottery school
Lottery school: open an account in this school to send lottery opportunities. As small as 8.8 WeChat gold reduction, as big as iphone 14pro5 12G, it may be a prize.
Suitable for people: "koi fish people" who are particularly lucky, or people who want to "try their luck".
Banks in this school are: Postal Savings Bank, Minsheng Bank, Industrial Bank, China Merchants Bank and Bank of Beijing.
Postal savings bank: you can draw a lottery when you open an account. Postal savings bank Hongkou highest 500 yuan red envelope, iphone 14pro5 12G.
Industrial Bank: You can draw a lottery when you open an account, and you can choose a red envelope or a phone bill. The red envelope is up to 288 yuan; 300 yuan, the highest telephone bill, draws a red envelope.
Minsheng Bank: The debit card customer of Minsheng Bank opened an account for the first time, and WeChat withdrew 8.8 ~388.8 yuan.
China Merchants Bank: The maximum amount of the red envelope for opening an account in the pilot city is 288 yuan, and the experience pension red envelope is 10 yuan.
Bank of Beijing: As of June 5438+1October 3 1 2023, users who have registered the "Cai Jing Life" mobile banking APP of Bank of Beijing and have a Class I debit card account of the bank can withdraw 30 micro-credit cards, 50 JD.COM e-cards, 100 JD.COM e-cards and 288 yuan micro-credit cards. Bonus * * * 65438+ ten thousand copies.
Lottery is a "metaphysics", whether it is to take real WeChat to reduce money or "take a chance and turn a bicycle into a motorcycle", friends can come as needed.
comprehensive school
Lottery school: open an account and send the corresponding bank "points".
Suitable for the crowd: the "point master" who needs to save points.
Banks of this school are: Bank of Ningbo and Zheshang Bank.
Bank of Ningbo: Invested 100 yuan to open an account and got 6600 wave beans; Three people form a group, each enjoying 3300 waves of beans; The reward will arrive automatically on Wednesday of next week.
The so-called "wave beans" are similar to integrals. 6600 wave beans can be exchanged for small rice cookers and other products in the wave bean mall of the bank's APP, and the discounted value is around 60 yuan.
Zheshang Bank: You can withdraw 14888~50000 points when opening an account; During the activity, the pension balance is 100- 12000 yuan, with a maximum score of 65438+ 10,000 yuan. 14888 The discounted value of the goods exchanged by points is within 30 yuan.
Non-pilot cities can also try to make an appointment
While many banks are just "staking the land" in pilot cities, some banks have already "grabbed the beach" in non-pilot cities.
The China Merchants Bank APP shows that the bank has opened an account opening appointment for customers in non-pilot cities. Customers who make an appointment to open an account can draw up to 66 yuan red envelopes.
In addition, from the current actual feedback, many banks, such as China Bank and Shanghai Pudong Development Bank, have different incentive settings in their different branches. Even different branches and different account managers who are "crazy" by KPI give different rewards.
So friends who need to open an account can also ask a few more questions before making a decision.