My cousin ICBC , yesterday asked me to open a pension account , with a red envelope of 50 yuan, and said that I could not save money, so I refused directly. Don’t save pension money for random red envelopes worth tens of yuan. This is similar to adding icing on the cake. Rich people save a little bit, and they can also receive more pensions if they save taxes. They can't even get through the money now, so how can they save money?
Personal pension, one stone starts to cause a thousand waves. In this regard, people's comments focus on payment threshold, necessity, liquidity, and value preservation.
1, the payment threshold is high.
Personal pensions have the effect of deducting personal income tax, and the main target group is not people whose monthly income does not reach the personal income tax threshold.
—Can farmers buy it?
——I didn’t have the qualification to pay tax, so I’ll get it by buying a personal pension. How many people pay personal income taxes of more than 3%?
—I don’t even have a personal income tax threshold, so how much personal income tax will I save? It is limited to a small number of people with high income and who have applied for personal income tax.
—It's almost a forced savings. I'm short of money, so I won't buy it. People with a lot of money can indeed buy themselves a guarantee, which is better than spending now.
2, insufficient liquidity.
Because it is currently stipulated that you can only receive it after retirement. If you need to use money in daily life, you can only worry.
——Laser liquidity, no existence!
- It's so troublesome, you have to pay every month, and you can only receive it until you retire. We are also bound to financial management. Who can guarantee that there is a job every month in society? What if cuts off supply of in one month? Although there is a little tax, when you retire, your currency may be worth 1,000 yuan to buy one pound of pork. Fortunately, I didn’t buy it! It’s better to save your balance than to have money, and you can spend it any time you want!
- Supplement the social security pension gap and regulate the moonlight tribe. My income will definitely not be deducted if it is not tax deduction. It will take decades to withdraw it. When the money accumulates too much, my tax will be deducted. I will deposit it regularly and be more flexible.
——Care your own risk, living money becomes dead money, which is far less safe than personal savings, that is, raise funds to pay pensions and alleviate the pressure of issuance.
——Policies will change. When they are about to retire, the policies may be different again, and it will be difficult to get them out at that time.
2, necessity
—Don’t social security include pension insurance?
-1,000 yuan is enough for the elderly, but one thing is that people are old and have various illnesses. 1,000 yuan is not enough to buy medicine?
— Now, in the case of this, we must first ensure that we can live to retire.
4, value-preservation
—cpi can't escape at all, just like insurance.
——I’m trembling when it comes to financial products! Can you still chase you and send it?
- Use life-saving pension money to buy financial stocks that are not guaranteed and risky? Can't afford to bet.
—How much is it worth to save 21,000 yuan in 1,000 yuan after 20 years? Is it enough for inflation ? In 2000, the salary was 500, and now it is 3,000, a six-fold increase. To convert, the current one thousand is not six thousand in 20 years, at least three thousand, right? According to the interest rate of financial management , , can you keep up? 20 years later, 2 million purchasing power is equivalent to 200,000 now.
——Investing with caution. As long as there is no guarantee, there is a possibility of loss.
was full of difficulties and finally found a rich man. He said:
" is a mortgage, a car loan, and here again, making money is not enough to repay the loan!"
