Catch the little tail on Friday
Host and Social Security has a big event to notify everyone
! exist! now! sky!
Ministry of Human Resources and Social Security announced that
Personal Pension System launched and implemented
Beijing, Shanghai, Guangzhou, Shenzhen Shenzhen etc.com, etc., will be implemented first
Click on the large image to view the list of personal pension pioneer cities (regions)
▽
Starting today
At the location of the pioneer city (region),
, employees who participate in basic pension insurance for employees
or basic pension insurance for urban and rural residents
can participate in personal pension!
Human Resources and Social Security, I am moved! How to buy it?
establishes personal pension accounts through national social insurance public service platform , national human resources and social security government service platform, electronic social security card , "Palm 12333APP" and other national unified online service portals or commercial banks, and opens personal pension fund accounts through commercial banks. After the two accounts are opened, you can pay fees to the fund account and purchase personal pension products. The annual payment limit is 12,000 yuan, and you can enjoy tax and fee discounts when paying! What products can be purchased in
?
can be purchased including savings deposits, financial products, commercial pension insurance and public fund , etc. The specific financial products will be determined by the financial regulatory authorities and the product list will be announced!
About personal pension
You must have many doubts
Today, the Lord of Human Resources and Social Security will take you to "catch it all in one place"!
1. What is personal pension?
Personal pension refers to a system that supports government policies, voluntary participation of individuals, market-oriented operation, and realizes the supplementary functions of pension insurance. The personal pension is subject to a personal account system, and the payment is entirely borne by the participants in . After paying the payment, participants can independently purchase personal pension products that meet the requirements and enjoy tax preferential policies in accordance with relevant national regulations.
In addition, personal pension is also an important part of the third pillar of pension insurance in my country. It can be connected with basic pension insurance (first pillar) and enterprise annuity and occupational annuity (second pillar) to realize the pension insurance supplementary function.
2. Why should we establish a personal pension system?
Personal pension is the part of the third pillar with institutional arrangements. It is a supplementary pension insurance system supported by government policies, voluntary participation by individuals, and market-oriented operation. The establishment of the individual pension system and adding another accumulation on the basis of basic pension insurance can better meet the people's diverse pension insurance needs and achieve a more quality and guaranteed life for the elderly.
3. Who can participate?
Workers who participate in urban employees' basic pension insurance or urban and rural residents' basic pension insurance in China.
Regardless of employment form, employment region, or household registration, as long as individuals voluntarily can participate in the personal pension system.
4. How to participate in personal pension?
There are three steps to participate in the personal pension business: opening an account, paying fees, and purchasing specific products.
is first of all, account opening . The personal pension is subject to an account system, and each participant needs to open two accounts, namely the personal pension account and the personal pension fund account. Through commercial banks, you can complete the opening of two accounts at one time.
followed by payment . participants pay personal pensions to their accounts every year at 12,000 yuan . Participants can choose to pay monthly, segmented or annually, and the payment amount is accumulated in the natural year (no more than the payment limit), and recalculate the following year.
Finally, "Buy, buy, buy" . Participants choose to purchase four financial products including savings deposits, financial products, commercial pension insurance , and public funds that meet the requirements through the funds in their personal pension fund accounts.
5. Where to buy personal pension products?
First of all, in terms of pension savings, participants can only purchase savings products issued by their own fund account account opening bank.
, and other products can be purchased directly through the corresponding product issuer channels such as insurance companies, wealth management subsidiaries or public fund management institutions, and provide fund accounts and purchase them.
It should be noted that under normal circumstances, in addition to selling their own savings products, banks will also sell some products of cooperative financial management subsidiaries, insurance companies, and fund companies (except as otherwise provided by the financial regulatory agencies of the State Council). This means that other types of products can be purchased through commercial banks.
On November 18, the China Securities Regulatory Commission released the list of personal pension fund sales institutions and the list of personal pension fund. A total of 37 institutions were shortlisted, including brokerage html 14 , banks 16 , and independent fund sales institutions 7.
6. Are personal pension products the same as general financial products?
Compared with general financial products, personal pension products must have the attributes of safe operation, maturity and stability, standardization of the target, and focus on long-term preservation of value.
"Personal Pension Implementation Measures" stipulates that participants independently decide the types and amounts of personal pension products purchased by the personal pension fund account funds. Personal pension product sales institutions should take the principle of "sales appropriateness" and provide risk warnings. They shall not actively recommend personal pension products that exceed their risk tolerance to participants.
7. What are the tax benefits for personal pension?
In the payment process, , the individual's personal pension fund account shall be deducted from the comprehensive income or operating income according to the limit standard of 12,000 yuan/year;
in the investment process, the investment income included in the personal pension fund account shall not be levied for the time being;
in the collection process, the personal pension received by individuals shall not be incorporated into the comprehensive income, and the personal income tax shall be calculated and paid separately at a tax rate of 3% (previously the tax rate was 7.5%), and the tax paid shall be included in the "Wages and Salary Income" item.
8. How to collect the money in the account?
personal pension fund account is closed and if participants meet any of the following conditions, they can receive personal pension monthly, in batches or in one go:
(I) reach the age of receiving basic pension;
(II) completely lose the ability to work;
(III) go abroad to settle down;
(IV) other circumstances stipulated by the state.
Are you planning to buy a personal pension?
Welcome to leave a message to tell the Human Resources and Social Security Junyou
Content editor: Shenzhen Human Resources and Social Security
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