The country is about to launch a personal pension system, what are the advantages compared with the

With the aging of the population, the delay of the retirement age, the slow growth of the national population and other contradictions become increasingly prominent, the issue of pension has always been a major issue of people's livelihood. The "Opinions on Promoting the Development of Personal Pensions", which was reviewed and adopted at the end of 2021, pointed out: "Develop a multi-level and multi-pillar pension insurance system.

On April 21, the General Office issued the "Opinions on Promoting the Development of Personal Pensions", clarifying that the personal pension system is implemented.

The country is about to launch a personal pension system, so let's learn about the following two advantages compared with the past pension system

1. The personal pension system is based on the individual as the main body, and decides whether to pay, how to pay, and how much.

As long as the personal pension system is in China, workers who participate in the basic old-age insurance for urban employees or the basic old-age insurance for urban and rural residents can participate. The upper limit of the participant's annual payment of personal pension is 12,000 yuan, and the personal pension is different from the employee pension insurance in the unit, which is the joint payment of the unit and the employee. The personal pension is completely paid by oneself, and the voluntary participation and payment of individual contributions are entirely borne by the participant.

The personal pension system has autonomy, and individuals can choose whether to pay and how much to pay according to their actual situation.

Second, the implementation of complete accumulation and market-oriented operation of personal pensions will help improve the level of pension treatment of all people.

The insured can use the pension paid by the individual to purchase financial products that meet the requirements and bear the corresponding risks. The personal pension will give priority to the pension product system with low volatility, relatively stable returns, relatively controllable risks, and target risks, as a key product for the industry to participate in the personal pension market.

In the past, corporate pensions were not profitable, and many retired elderly people did not have a sense of investment, and their monthly retirement income was mainly based on savings. The personal pension is a docking investment product, these products are selected qualified products, taking into account security and profitability, more secure than buying financial products by yourself, is a good choice.

In addition, the personal pension policy belongs to the state to the policy (such as preferential tax policies), financial institutions to provide products, individuals to make choices for the benefit of the country and the people, not only security but also greatly improve the profitability.

Pension is a foreseeable outlet, in the near future, with the gradual enrichment of commercial pension insurance, pension financial management, pension goals and other products, people enjoy tax incentives at the same time, but also according to personal risk preference, choose all kinds of pension financial products suitable for themselves, and constantly fill the personal pension account, improve the quality and quality of pension life.

The personal pension system will be implemented, which has the following characteristics and advantages: it is a special account led by the state to ensure that the money invested in the early stage can be used for pension expenses in later years, which is guaranteed from the perspective of security; Secondly, the personal pension fund is dedicated to ensure the safety of the funds, and there will be no situation where money is empty; Another advantage is that this money is not a fixed deposit, and the account holder can choose to buy wealth management, annuities, etc., so that the money can make money and ensure the safety of the account.

1. The account is earmarked.

First of all, from the perspective of security, the personal pension account system is under the leadership of the state, individuals choose to voluntarily go to the bank to open an account, and then transfer a fixed amount of arrears into it every year, up to 10,000 yuan per year, to their old age, this money can be used for personal pension expenses, for the pension problem, it is of certain help, will ease the pressure of pension.

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2. Security of funds.

There is a certain uncertainty in our usual deposits in the bank account, and we may use it when there is an emergency, but for the pension account, it is very safe. We invest in buying a house, investing in financial management, all of which may be misappropriated and will face certain risks, but personal pension accounts will not, under the leadership of the state, to ensure that the special funds are used exclusively to ensure that the money is still their own money. So from this point of view, the funds are still relatively safe.

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3. Flexibility of the account.

The personal pension account is not the kind of small deposit and lump sum withdrawal that we usually understand, and now the money can only be returned to us after a certain number of years. In fact, the arrears in the account can also be discretionary, you can buy financial products, buy annuities, etc., to ensure that the arrears of our personal pension account can have a certain balance through the way of money. However, it is also important to know that there is a certain amount of risk in investment, and personal accounts need to be personally responsible for profits and losses.

1. Special funds. As the name suggests, the personal pension is to wait until you are old to use this money, and there are also relevant regulations that the personal pension fund account shall be operated in a closed manner, and shall not be withdrawn in advance unless otherwise specified. This makes personal pensions not available at will, unlike the usual bank deposits, which can be withdrawn at will when they get married, buy a house, or have an emergency.

Therefore, personal pension has the role of compulsory savings, and ultimately achieves the purpose of special funds, that is, individuals have support for the elderly.

2. Investment and financial management. The funds in the personal pension account are used to purchase financial products that meet the requirements of bank wealth management products, cemeteries**, savings deposits, commercial pension insurance and other financial products that operate safely and increase their value for a long time. To a certain extent, residents are guided to make long-term investments to ensure that the value of funds is maintained and increased.

3. The model is novel. The personal pension implements the personal account system, the payment is fully borne by the participant, the implementation of full accumulation, after the death of the participant, the assets in the personal pension account can be inherited in full. The basic endowment insurance is different, there are personal accounts and social pooling accounts, and if the insured person dies, he can generally only receive the balance of the personal account.

4. Tax incentives. Participating in the personal pension system can enjoy the preferential tax policies formulated by the state, and the specific preferential policies are to be introduced. At present, it is stipulated that the upper limit of the annual payment of personal pension by participants is 12,000 yuan, and in the future, the relevant departments will adjust the upper limit of the payment in real time according to factors such as the level of economic development.

It was learned from a number of relevant departments that after the long pilot, various departments have reached a basic consensus, and the relevant policies are also ready, and it is only one step away from being introduced. In the consensus reached, the core one is to establish a personal pension system based on the account system.

New progress is being made in the construction of China's multi-level pension insurance system, and the personal pension system based on the account system is about to emerge.

On February 26, You Jun, Vice Minister of the Ministry of Human Resources and Social Security (hereinafter referred to as the "Ministry of Human Resources and Social Security"), said at the press conference of the State Council Information Office that the third-level system of pension insurance has formed a preliminary idea. The general consideration is to establish a personal pension system based on the account system, with voluntary participation by individuals, and tax support from the state finance, so as to form a market-oriented investment and operation of the personal pension system.

On the basis of the account system, individuals voluntarily participate" - that is, voluntarily take out a part of each month's salary, or put the previous savings into it, and then form an individual pension account for their own or family income when it is reduced;

The state treasury provides tax support" - the money deposited into the personal pension account every month can be exempted from personal income tax, or the tax rate is lower;

Funds form a personal pension system for market-oriented investment and operation" - the money in the personal pension account can be invested in the market.

If the pension is regarded as an investment, the lower the investment, the higher the return on investment, it should be noted that even if the rate of return is higher, the income will not exceed the income of high investors, simply put, the more pension contributions, the more money you receive, but the rate of return is slightly lower than that of people who pay less. Even so, this kind of behavior that favors low-income people and even low-income people cut the leeks of the rich has made some groups very dissatisfied. Coupled with the current aging population growth rate, the cake on the plate of pension is already so big, and now the number of people eating cake has increased, which has brought a lot of pressure to the pension.

Therefore, after the introduction of the personal pension system, it is bound to be favored by some groups, because the advantage of the personal pension system is that the distribution is more reasonable, and his rate of return is relatively unified, and the rate of return will not be higher because of the less money you pay.

One thing to tell you about is that in fact, our current pension route has many similarities with the United States across the sea, and the general model of both is composed of pension insurance, enterprise annuity, and personal pension system. However, China's social security system was formed relatively late, the development of these three pensions is also very slow, and now the pensioners can be said to be only the first batch, so let's take a look at the development of the United States We have a lot of references.

First, the level of pensions can be raised.

Personal pension is a supplementary pension insurance that can be voluntarily participated in on the basis of participating in the basic pension insurance system, which means that after paying personal pension, you can receive both basic pension and personal pension after retirement, which can effectively improve the level of personal pension and alleviate the pressure of social pension.

Second, you can enjoy tax exemption benefits.

On March 1 of each year, the individual income tax comprehensive income settlement of the previous year will be opened, and the personal annual income will exceed 60,000 yuan and then deduct the remaining income of the exclusive additional deduction to pay individual income tax, the higher the income, the heavier the tax burden, if your income is high enough and you want to avoid taxes reasonably, it is more suitable to participate in the personal pension. The "Opinions" clearly stipulate that the state formulates preferential tax policies to encourage eligible personnel to participate in the personal pension system and receive personal pensions in accordance with regulations. However, specific preferential policies have not yet been introduced.

Thirdly, the balance of the personal account can be inherited.

The employee pension insurance payment is jointly borne by the unit and the individual, and the unit pays 16%, which enters the overall account and becomes the country's assets; If the insured dies halfway, only the balance of the personal account can be returned, and the funds in the overall account are equal to being paid in vain.

For the pension can only be said to be for those residents who work in the city or pay pensions, and for farmers do not, then these farmers in the future pension is very problematic, personally this is a bit unfair, farmers farm land to pay taxes in order to solve the problem of people in the whole society to eat, in the end the land can not be planted, but can not get pension. But compared with the past, it has served most people and helped most people, and there are still many good ones.

I think the first of the system is to solve the problem of technology, the personal pension system is first of all to be able to fully automate the personal pension to the elderly mobile phone WeChat or Alipay, mobile phones should be convenient for the elderly to use the sale, this is the advantage.

I'd rather keep my money in my own hands than buy any insurance.

10,000 a year, 100,000 in 10 years, isn't this money enough for the elderly? You don't have to toss for a serious illness, you can drink some cheap herbs for a minor illness, and you will have to die sooner or later, but you can't take the money to the hospital to spend it, and it will be cheaper for those profiteering hospitals.

1. Social insurance is a social security system established by the state in the form of legislation by the society, so that workers can receive state and social compensation and help in the case of old age, illness, work-related injury, unemployment, childbirth and other incapacitated circumstances. Social insurance is the basic social security established by the State in accordance with the Constitution.

No matter how to promote personal pensions, for low-income people, in fact, pensions for them will still get very little in the future.

Life is not only about what is in front of you, but also about poetry and distance.

Features and advantages of the personal pension system launched by the state:

1. The advantages of the personal pension system. Compared with commercial insurance, the personal pension system is undertaken by the state, and it can solve the pension problem of farmers in the future. It is a full discount for the people, pay 1,000 yuan every month, and you can get a better guarantee when you retire.

The income of this share is stable, which is equivalent to the state providing a stable guarantee for individuals.

The standard of living is getting higher and higher, and the life expectancy of people is constantly extending, if there is no such a guarantee, then the aging of the elderly population will become very serious. Social security is not a perfect existence, it is only a corporate responsibility, which virtually increases the burden of the enterprise, and the pension system insurance means that employees can receive more pensions after retirement. In this way, you can ensure your life after retirement, even if the price is high, it will not make people collapse for a while.

2. The insurance provided by the enterprise for its employees is mandatory, while the personal pension payment is only voluntary. In fact, this part of the population is more of those who have no job, because there is no social security above, and there is no fixed income in the future, so the pension system at this time is a welfare for them. For example, the working hours of the express delivery are very free, but if the company does not pay social security, you can choose the pension system insurance to add an extra guarantee to your pension.

In this regard, the welfare protection provided will provide convenience for the future life of the courier brother. Farmers can also pay for insurance according to their needs.

3. Of course, farmers' willingness to increase insurance may be lower than that of freelance workers, but this does not affect, because the farmers themselves do not have much money on hand, as long as it is voluntary, it can meet daily expenses. Peasants' incomes are low, so there is very little cash that can be used for insurance, but the state encourages peasants to participate in insurance, and gives them certain practical subsidies.