National Day is approaching, and pensions are welcomed by two good news, which is related to personal pension income. You must know
in time. There are still the last three days left. September is coming, and the National Day holiday is coming. On the occasion of this festival, pensions have also ushered in two good news, which are related to personal pension income, and you need to know it in time.
The first good news is that individual pensions can enjoy personal tax preferential treatment.
As early in April this year, the "Opinions on Promoting the Development of Personal Pensions" was released. For individuals participating in employee pension insurance or urban and rural residents' pension insurance, they can participate in the personal pension system , thereby increasing their overall pension benefits after retirement.
As we all know, most retirees currently participate in basic pension insurance and receive basic pensions, which is just the first pillar in the pension security system. In fact, there are annuities and personal pensions, which belong to the second and third pillars. However, the number of people who enjoy annuity is still relatively small. For example, only employees of government agencies and public institutions and employees of some state-owned enterprises can receive annuity benefits. This leads to the fact that the pension level of many retirees in is actually not high, most of which are only one or two thousand yuan.
For this reason, in April this year, a personal pension system was introduced. In addition to participating in basic pension insurance, everyone can participate in personal pension, with the annual payment limit of 12,000 yuan. In this way, after retirement, you can have two incomes: basic pension and personal pension, which undoubtedly adds more protection in pension.
Now there is good news for personal pensions . Recently, the State Council proposed that in order to better meet the needs of the people and improve the level of protection, the personal income tax discount will be implemented for individual pensions supported and commercialized operations. will deduct pre-tax for payers at a limit of 12,000 yuan per year.
This is undoubtedly a gift package before the National Day to individual pension participants.
The second good news is that the pension will be recalculated and reissue, and the income of some retirees can be increased. At present, at least 12 provinces and cities have announced the pension calculation base for 2022. For those who have retired since January 2022, the pension will also be recalculated and reissue.
Everyone knows that 's pension has risen by 4% this year, but it is aimed at people who receive pensions before the end of last year, and those who retired in January this year did not participate in this pension increase, and some people feel that they are at a disadvantage in this regard . Because of the increase in pension this year, the per capita pension has increased by about 120 yuan. For example, in Beijing, the per capita rises by 182 yuan this year; the per capita rises by 187 yuan in Shanghai; the per capita rises by 145.8 yuan in Shandong, etc.
In fact, there is no need to be imbalanced in my heart at all. Since people retired in January this year, they can also get recalculation of pensions and reissue . Because when they retire, the pension calculation uses the 2021 pension base, resulting in less than a part of the pension money being paid. As the local area announces the pension base for 2022, their pension will also be reissued.
, especially in places where the pension base has increased significantly this year, such as Shanghai and other places, the increase exceeded 10% year-on-year, which is much higher than the increase of pension this year, so the amount of reissue will be relatively more, and more can be reissue more than 100 yuan per month, or even more.
How much pension can be reissue depends on the individual's payment period, pension insurance payment index and other factors. Can you benefit from the two good news about
or above? Welcome to transfer it to your family and friends to keep abreast of the updates.
