1. Higher salary post-60s are recommended to participate in personal pension
. If you are born in the 60s and are still working, your salary and salary level is also relatively high, and the annual personal income tax payable is more than 10%, then it is necessary to participate in personal pension, because participating in personal pension can help you save a lot of personal income tax.
The direct benefit of participating in personal pension is to enjoy personal tax preferential treatment, which can be deducted before tax, with a maximum limit of 12,000 yuan, and no personal tax is charged for investment income. When receiving pension, the tax rate is only 3%. Therefore, if your personal tax rate is of a relatively high level, you can get a lot of real money after participating in personal pension.
For example, if you are born in 1969 and start purchasing personal pensions from now on, and paying a limit of 12,000 yuan per year, then you will have paid 8 years until you retire in 2029. Your personal income tax rate is 20%, and the amount you can save taxes every year is 12,000 yuan × (20%-3%) = 2,040 yuan. In 8 years, you can save 16,320 yuan in personal income, which means you will get an additional 16,320 yuan in income, which may be equivalent to your basic pension income for several months.
So, if you are born in the 1960s, have not retired yet, and are still participating, and have a relatively high income and a high personal income tax rate, it is necessary to participate in personal pensions.
2. Post-60s who have high risk tolerance can participate in personal pension
to participate in personal pension. There is another feature, that is, the money in your capital account can be used to purchase financial products to invest, that is, to earn profits. However, since it is a market-oriented investment, there is also a risk of loss. If you are born in the 1960s who have a high risk tolerance, you can invest by participating in personal pensions and have the opportunity to make more profits.
At present, 129 personal pension funds can be purchased, and there are two main categories. The first category is 50 pension target date FOF (TDF) and the second category is 79 pension target risk FOF (TRF). What do
mean? Among them, the pension target date fund is the name of the year numbers such as 2025/2030/2035/2040/2045/2050. You need to choose the appropriate fund based on your retirement year. This type of fund has a characteristic, that is, the closer you are to the year, the more conservative the investment style will be. For example, if you were born in 1965, you can choose to invest in funds with 2025 figures by participating in your personal pension.
. The pension target risk fund is set according to different risks, mainly including stable, balanced, and radical. You need to understand your risk tolerance and then choose the right fund. When choosing a fund, you must see whether its risk level matches your risk preference , and at the same time, you must compare the historical yield performance, etc.
If you want to know more about personal pension knowledge, please follow Sizhi Idea. Welcome to those in need.
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-