What financial products can I buy for personal pension? How to buy? Understand in an article

On the 25th, Ministry of Human Resources and Social Security, the Ministry of Finance and State Taxation Administration of The People's Republic of China issued a notice, clarifying the implementation of individual pension system in Beijing and Tianjin, and 36 pilot cities and regions such as Shijiazhuang, xiong'an new area and Jincheng. Qualified personnel in leading cities can voluntarily participate in personal pension business.

At present, the first batch of 23 commercial banks that can provide personal pension services announced by China Banking Regulatory Commission are docking with Ministry of Human Resources and Social Security personal pension information management service platform. The list of commercial banks that have completed the docking test is published on the national social insurance public service platform, and people can make inquiries through the platform and electronic social security cards. Ministry of Human Resources and Social Security will update the relevant list in real time according to the system access of commercial banks.

Many banks have been able to open personal pension fund accounts.

The three departments issued a notice yesterday (25th), clarifying that after the personal pension system was implemented in 36 leading cities and regions, a number of banks immediately launched personal pension business.

If you want to participate in personal pension business, you must open a personal pension fund account. At present, large banks including industry, agriculture, China, China Construction, Bank of Communications and Postal Savings Bank, as well as China CITIC Bank, Zheshang Bank and Bank of Ningbo have been able to open personal pension fund accounts.

Jia Dan, Deputy General Manager of Wealth Management Department of CITIC Bank: Customers can open personal pension accounts with their ID cards. The channels provided by banks are counters, smart counters and mobile banking, and customers can open accounts on these systems. The bank is connected with the system in Ministry of Human Resources and Social Security, so when opening an individual pension account and an individual pension fund account, corresponding systems can be opened at the same time.

Chen Yisi, Personal Finance Department of Suzhou Branch of Industrial and Commercial Bank of China: If you are in the pilot area, as long as you are not retired, employees who have paid the basic old-age insurance can apply for it.

In other words, employees who have participated in the basic old-age insurance for urban workers or the basic old-age insurance for urban and rural residents in 36 pilot cities announced by Ministry of Human Resources and Social Security can now handle their own personal old-age business. According to the regulations, banks are exempt from annual fees, account management fees, SMS fees and transfer fees when opening individual pension fund accounts.

The reporter experienced how to open a personal pension fund account.

So, how should I open my own personal pension fund account? Is it convenient to open the process? This is also the first time for journalists to experience it. Let's have a look.

Chen Yisi, Personal Finance Department of Suzhou Branch of Industrial and Commercial Bank of China: Actually, you have jointly opened two accounts, one is a personal pension fund account of a commercial bank and the other is a personal pension account of a social department. These two accounts have a one-to-one relationship.

Liu Yang, reporter from Suzhou Radio and Television Headquarters: This is a personal pension fund account I just opened, and the whole process is very simple. I have my bank card and ID card at hand, and it will be done in 1 minute.

Personal pension can buy all kinds of financial products that meet the requirements.

In China's multi-level old-age insurance system, no matter whether it is the basic old-age insurance of the first pillar or the enterprise annuity and occupational annuity of the second pillar, individuals do not need to worry about how to maintain and increase the value. However, as the third pillar of individual pension, we need to choose how to invest. Experts also gave suggestions on how to choose investment.

After opening a personal pension fund account and transferring the funds, you can consider how to keep the value and increase the value of the money. According to the regulations, individual pension can purchase savings deposits, wealth management products, commercial pension insurance, Public Offering of Fund and other financial products.

Specifically, at present, you can buy the savings products of all banks, but participants can only buy the savings products of the bank where their capital account is located. Although the specific pension savings recently launched by ICBC have higher interest rates, they can only be purchased by customers in five pilot cities: Guangzhou, Qingdao, Hefei, An and Chengdu.

With regard to wealth management products, the CBRC has announced that 1 1 institutions including ICBC Wealth Management will be allowed to start personal pension business. At present, the specific products are still in the process of declaration and audit, but the standards have been clarified.

Guan, deputy director of the Bank Financial Management Registration and Custody Center: The 16-character policy for pension funds to invest in wealth management products is defined as follows: safe operation, stable maturity, standardized target and long-term preservation. To sum up, it is to stabilize the word. Investors can view a series of information such as the list of wealth management products, the list of institutions providing related services, product operation and so on through the China Wealth Management Network of the Wealth Management Registration Center.

Experts pointed out that the shortest investment cycle of pension wealth management products is generally 5 years, so the purchase of pension investment products should be held for a long time to avoid frequent redemption.

Ceng Gang, deputy director of the National Finance and Development Laboratory: From the international experience, this kind of long-term capital often has a very considerable return when investing, because it can indeed make some cross-cycle investments.

Experts also reminded that when choosing investment, you must choose products according to your risk tolerance.

Lou Peng Fei, special researcher of China Pension Finance 50 Forum: You can allocate more wealth management and funds when you are young. Relatively speaking, the income may be higher, but the risk is also relatively higher. With the growth of age, we can allocate more savings products, which is relatively safer and more secure.

The first batch of 7 personal pension insurance products were released.

In addition to savings and wealth management, investment insurance products are also an important channel for maintaining and increasing the value of personal pensions. At present, there are 7 products from 6 insurance companies in the first product list for consumers to choose from.

The first batch of 7 personal endowment insurance products are exclusive commercial endowment insurance. Compared with other products such as savings and wealth management, the advantage of personal pension insurance products lies in providing a guaranteed rate of return, and the product term can be lifelong.

Simply put, this kind of products can be divided into two stages: "accumulation period" and "collection period". During the accumulation period, participants can obtain income through "capital preservation+floating" to provide them with a guaranteed rate of return.

During the "collection period", participants can agree with the insurance company on the collection method, whether it is lifelong collection or regular collection, and the period of regular collection is generally not less than 10 year.

According to the relevant person in charge of the Personal Insurance Department of the China Banking Regulatory Commission, pension annuity insurance products such as exclusive commercial pension insurance generally have strong savings and risk protection functions, and their styles are relatively stable, which will help participants to achieve long-term capital preservation and appreciation and risk management goals during the ten-year pension accumulation and collection process of most participants.

China Securities Regulatory Commission issued the first batch of personal pension fund products list.

Public Offering of Fund is also one of the products that individual pension can invest in. China Securities Regulatory Commission recently released the first batch of personal pension fund products, which investors can buy on165438+1October 28th.

The first batch of personal pension fund product catalogue includes 129 pension target funds from 40 fund managers and 37 fund sales organizations. A number of fund companies also announced that individual pension investors can purchase these products through exclusive accounts from165438+1October 28th.

Wei Wei, Chief Strategist Analyst of Ping An Securities Research Institute: Public Offering of Fund products will enter the pension asset allocation channel more comprehensively, and more long-term capital will contribute to the long-term healthy development of the capital market and give full play to its value in resource allocation, prosperity and the preservation and appreciation of residents' assets.

According to the relevant regulations of the CSRC, the standard of fund products that require personal pension investment is "the pension target fund with a scale of not less than 50 million yuan at the end of the last four quarters or not less than 200 million yuan at the end of the last quarter".

Zhao, Marketing Director of Guangfa Fund Management Co., Ltd. (fund companies are also required) shall not actively recommend funds beyond their risk tolerance to investors, shall not promise or publicize the guaranteed income of products, and shall not publicize the expected rate of return of products.

In order to better promote the development of individual pension, the state has issued relevant preferential tax policies, and the fund industry has also given support.

Sun Bo, Director of Pension Management Department of Huaxia Fund: First, you can waive your subscription fee, and then you won't charge the sales service fee. The management fee and custody fee have been discounted, and all the products we see now are 50% off.

Individual pension can be invested in pension target fund.

In order to control risks, the pilot stage of individual pension funds investing in Public Offering of Fund has a special operation mode and limited varieties.

First of all, Public Offering of Fund, which can be invested in individual pension fund accounts in the trial stage, can only be a pension target fund. According to relevant regulations, pension target funds mainly operate in the form of investing in other funds.

Zhao, Marketing Director of Guangfa Fund Management Co., Ltd.: It is a product tailored for pension investment. The initial intention of product design is to diversify investment and increase value steadily, which is in line with the demands of pension investment.

Pension target funds include two types of funds: target date type and target risk type. Investors usually see a four-digit "target date" fund, such as 2040.

Sun Bo, Director of Pension Management Department of Huaxia Fund: For example, if I retire in 2040, the fund will gradually enter retirement age and the risk will gradually decrease. It can realize one-stop allocation of pension assets.

It is understood that since the establishment of the first pension fund on 20 18, it has generally operated well. By the end of June 2022, nearly 180 pension funds had been established in the whole market, with a scale of over 100 billion yuan and nearly 3 million holders.

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