0 1, what is the individual pension system? In short, individual pension is the third pillar of China's old-age insurance system. It is a supplementary old-age insurance system supported by official policies, voluntary participation by individuals and market-oriented operation. Talking about people means that in addition to the social security we pay, individuals voluntarily deposit money into special pension accounts, and then the money can be used to invest in officially designated pension financial products at their own risk, and then support themselves with the saved money and income.

Tips: Some people think that after the introduction of personal pension, it will replace the existing old-age insurance, which is actually wrong. This does not conflict with our existing G family social security pension.

2. Who can participate? How to participate? Anyone who participates in the basic old-age insurance for urban workers or urban and rural residents can participate in the individual old-age insurance system. The principle of voluntary participation (anyone who pays social security and endowment insurance can participate), in which the participants who pay the fees fully bear the personal pension account through the personal pension information management service platform. Personal pension account is the basis for participating in the personal pension system and enjoying preferential tax policies.

Tips: What is an information management service platform? It is a unified management service platform for participants, which supports participants to enjoy preferential tax policies, provides information verification and comprehensive supervision support for individual pension operation, and provides relevant information services for relevant financial supervision departments and financial institutions involved in individual pension operation.

3. How much should I pay for my personal pension? The maximum annual personal pension paid by the insured is 12000 yuan. At present, it is the upper limit, and the payment limit will be adjusted according to the level of economic and social development and the development of multi-level and multi-pillar endowment insurance system.

4. What are the benefits of personal pension? You can enjoy tax concessions, and you can get more tax rebates when calculating taxes every year. The details have not yet been announced.

5. How to invest personal pension? The funds in the personal pension fund account are used to purchase financial products such as bank wealth management, savings deposits, commercial pension insurance and Public Offering of Fund that meet the requirements. , safe, mature, stable and standardized, focusing on long-term preservation to meet the preferences of different investors. Participants can choose independently at their own risk.

6. How to get a personal pension? Insured persons who have reached the statutory retirement age, completely lost their ability to work, settled abroad (border) or have other conditions that meet the requirements, can receive personal pensions on a monthly basis, in stages or in one lump sum after verification of the receiving conditions by the information platform, and the withdrawal cannot be changed once it is determined.

Tips: Can individual pension be inherited? After the death of a participant, the assets in his personal pension fund account can be inherited.

7. Why push now? The pressure of providing for the aged in China is too great!

8. What is the significance of individual pension? At present, China's pension insurance has three pillars: the first pillar industry, the second pillar industry, the third pillar industry, urban and rural residents, urban workers, enterprise basic annuity, personal savings, commercial pension plus basic occupational annuity and China's pension insurance.

endowment insurance

The first pillar is that the basic pension represented by social security is declining, and the deep aging makes this pillar unable to meet the demand for old-age care.

The second pillar, represented by enterprise annuity and occupational annuity, is an enterprise annuity and welfare system that large enterprises voluntarily buy for their employees, or an occupational annuity only for civil servants. Only 4% people have this part of the pension supplement, which is really too little.

The third pillar, personal savings pension, is represented by commercial pension insurance. Personal pension is the third pillar. At present, the third pillar is in its infancy, and there is still a lot of room for development, which is also the trend of providing for the aged in the future.

9. Do you want to participate in personal pension? I have social security, do I still need a personal pension? The answer is self-evident. As an important part of the third pillar of old-age care, personal savings for old-age care must be involved. In addition to personal pension, each of us can also consider providing for our own pension through the commercial pension annuity of the third pillar. As an important part of personal pension, commercial pension is the only tool that can provide lifelong income protection besides social security.

This is the real estate, funds, stocks, bank savings and other investment methods can not be achieved. No matter how long we live, as long as we live, the insurance company will fulfill the agreement of the policy and pay our pension. It is also one of the few rigid redemption products on the market. The future pension probability depends on yourself!

10, how to solve your own pension suggestions and accumulate pensions in a planned way. How long before retirement? What kind of quality of life do you hope to achieve after retirement? Estimate your retirement pension level? What plans do you need to make to reach this pension level? If you plan to configure commercial insurance, you need to analyze your own needs and product attributes, listen to professional opinions, and configure it as needed.

For example, if annuity insurance is configured at a young age, the insurance company will pay the insurance premium on time according to the contract. The allocation of incremental whole life insurance products can not only provide insurance protection, but also increase the insured amount and compound interest, locking in long-term value protection. Some life insurance companies that extend insurance services to the field of medical care for the aged can also provide customers with services to stay in high-quality old-age communities when the total premium reaches a certain amount, further helping to solve the problem of old-age care.

Time may not make a great man, but it will certainly make you an old man. You are your future master. When you can earn the most money, make a pension savings for yourself, plan the present and enjoy the future!