Recently, you can always see the promotion of personal pension accounts. Opening mobile banking is also a variety of activities about personal pension accounts.
So what is the personal pension account? What are the benefits? How to participate in personal pension? Why is it more suitable for friends with an annual salary of more than 120,000 yuan? Xiaoyi will take you to learn more.
What is the personal pension account?
Personal pension is the third pillar of the "three pillars" of pension insurance, referring to personal pension and other personal commercial pension financial businesses. The essence is In order to deal with individuals' future pension expenses, in addition to basic pension insurance, an individual voluntarily participates in a forced savings investment behavior .
The personal pension account itself has two accounts, one is the personal pension account and the other is the personal pension fund account.
Personal pension account : It is an account registered and opened on the personal pension information management service platform organized by the Ministry of Human Resources and Social Security. The personal pension account is used to register and manage personal identity information, and is related to the basic pension insurance relationship, and records personal pension payment, investment, collection, deduction and payment of personal income tax, etc. It is the basis for participants to participate in personal pensions and enjoy tax preferential policies.
Personal pension fund account : It is the participants who freely choose a bank account opened by a commercial bank, and they are a Class II account. The personal pension fund account is bound to the personal pension account.
Three benefits of personal pension account
. Forced savings : In essence, personal pension is a kind of forced savings. Although we can also deposit money in the bank for savings, because ordinary bank deposits can be withdrawn and used at any time, it is difficult to ensure a stable long-term deposit. When you retire and retire, you may not have saved a 80 cents. If a personal pension account is opened, the fees are paid every year, and the personal pension fund account is closed, the funds must not be withdrawn from during the period of closed down.
2. Cultivate investment and financial management habits : The funds in the personal pension fund account are the choices that require investment and financial management by themselves. The funds in it can be used to purchase financial products such as bank wealth management, savings deposits, commercial pension insurance, public fund that meet the requirements. Therefore, we can cultivate everyone's habit of investing and financial management!
3. Tax preferential : Regarding the tax preferential part of personal pensions, according to the policies released by the State Administration of Taxation, there are three main preferential contents:
. In the payment process, , individuals pay the personal pension fund account, according to the limit standard of 12,000 yuan/year, and is deducted from the comprehensive income or operating income according to the actual amount. That is, personal income tax can be deducted before tax when calculating personal income tax, which means that this part of the salary does not have to be paid for personal income tax;
. In the investment process, , the investment income included in the personal pension fund account will not be subject to personal income tax for the time being;
. In the collection process, , the personal pension received by individuals is not included in the comprehensive income, and personal income tax is calculated and paid separately at a tax rate of 3%. Judging from the current progressive personal income tax rate, if your annual income is higher and the applicable tax rate is higher, the more personal tax you can deduct from your personal pension. If you look at the table below for details, you will find that there is a discount for annual salary of more than 120,000 yuan, and it is recommended to pay the fee.
How to participate in personal pension?
Workers who participate in urban employees' basic pension insurance or urban and rural residents' basic pension insurance in China, that is, Basic pension insurance participants can participate in . The participation process is as follows:
Step 1: Open an exclusive personal pension account. Opening a personal pension account at a designated bank is unique, similar to a social security card and a medical insurance card.
Step 2: Save money to your personal pension account (or not deposited), and you can deposit up to 12,000 yuan a year (you can enjoy tax incentives).
Step 3: Make investments to achieve the purpose of preserving and increasing value. There are four investment methods: bank fixed deposits, bank wealth management, designated commercial pension insurance, and designated public funds.
In short, the personal pension system means that we can choose a bank to open a personal pension account with a maximum annual amount of 12,000 yuan, and the deposit interest rate is even higher than the large deposit interest rate on the market. After retirement, you can withdraw it in one or in batches.
It is worth noting that the personal pension account is responsible for its own profit and loss, and it is operated in a closed manner. Once the money is deposited into the personal pension account, it cannot be withdrawn at will and can not be collected until retirement.
To sum up, for friends who can enjoy tax incentives and have idle funds, a personal pension account is a good thing. It is recommended to use the full amount of 12,000 yuan per year; for friends who cannot enjoy tax incentives, especially those who are relatively young, it is recommended to continue to wait and see.
Attachment: Some banks' processing methods and preferential policies
ICBC:
You can handle it on-site through the ICBC business outlets, that is, you have the opportunity to receive WeChat instantly reduce the 50 yuan (limited quantity, first come first served), or you can handle it through " ICBC Cloud outlet ", " Industrial and Commercial Mobile Banking ", etc.
Agricultural Bank:
Prepare your original ID card and a first-class card number (Agriculture, industrial, Chinese, China Construction, Transportation, and Postal Savings are available), log in to Agricultural Bank Mobile Bank , and open a personal pension account according to the process. After the account is opened successfully, you can participate in the lottery according to the prompts, or you can participate in the "Zhangyin-Task Center" by yourself. Prizes are limited, first come first served!
Bank of Communications:
from November 25, 2022 to March 31, 2023 , open a personal pension fund account for the first time at the Bank of Communications, and you can get payment voucher gift package 58 yuan (limited 1.1 million copies).
During the event, a personal pension fund account was opened for the first time at Bank of Communications, and the Bank of Communications physical social security card was opened for the first time and activated during the event. You can get an additional payment voucher gift package of 50 yuan (limited 100,000 copies).
In addition, during the event, the number of friends who successfully recommended (mobile banking real-name certified customer) who opened a personal pension fund account for Bank of Communications for the first time (1 person, 3 person, 5 person, 7 person, 10 persons) can receive the corresponding payment voucher gift package reward. Each recommender can receive a reward of 280 yuan (limited to 50,000 copies).
Postal Savings Bank:
Open a personal pension fund account at China Postal Savings Bank. After the account is successfully opened, you can participate in the lottery. 500 yuan red envelope, Huawei and Apple mobile phone are waiting for you to draw (each person has a chance to participate in the lottery. For details, please refer to the activity rules for the specific lottery and prize collection time, prize content and quantity).
Everbright Bank:
You can enter the Everbright Bank APP, click on the homepage [All]-[Investment and Financial Management]-[Personal Pension], follow the process prompts, open a personal pension fund account, enjoy 60 yuan after the account is opened successfully, and deposit it into the pension account for 1,000 yuan or more for the first time and add 30 yuan of equity (please go to the selected account opening outlet to collect the relevant rights).
This article comes from Baigongyi: https://www.baigongyi.com/article/list/6422442b85a74b35b4f666ef402a5105
