Are pensions risky and can you lose money?

It is possible to lose money on a personal pension.

According to the "Personal Pension Implementation Measures", after the payment of personal pensions, the operating organization will take the principal investment to achieve asset appreciation, the retirement to get more or less closely related to the personal pension account balance, and everyone's account balance is divided into two parts: a part of the According to the "Personal Pension Implementation Measures", after the payment of personal pension operating organization will take the principal investment to achieve asset appreciation, the retirement to get more or less closely related to the balance of personal pension account, and everyone's account balance is divided into two parts: a part of the "Personal Pension Implementation Measures", after the payment of personal pension investment Asset appreciation, after retirement to obtain more or less closely related to the balance of the individual pension account, and everyone's account balance is divided into two parts: one part is the principal paid by the participants, and the other part is the investment income generated. The other part is the investment income generated by the principal paid by the participants.

According to Article 2 of the Measures, "the contributions are entirely borne by the individual participants, who independently choose to purchase savings deposits, wealth management products, commercial pension insurance, public funds and other financial products in line with the regulations". In the choice of personal pension investment varieties, there is a possibility of earning or losing.

How much monthly income is recommended to open a personal pension account

Personal pensions can be used to save tax. Every year for personal tax, there is a special additional deduction, such as children's education, housing loans, support for the elderly, medical treatment of major illnesses, etc., will these special deductions will be able to pay less tax. Through the personal pension, you can temporarily form a tax-free amount, the participant's annual contribution to the personal pension is capped at 12,000 yuan, that is, personal income - 12,000 part of the tax only.

Assuming that your annual income after deducting five insurance and one pension is 200,000 yuan, there are no other pre-tax deductions, the starting point for personal tax is currently 60,000 yuan per year, after deductions is 140,000 yuan applicable second tax rate:

If there is no personal pension tax incentives, the annual personal tax to be paid: (200,000 - 60,000) × 10% - 2520 = 11,480 yuan;

If there is a personal pension tax credit, the annual personal tax to be paid: (200,000 - 60,000 - 12,000) × 10% - 2520 = 10,280 yuan.

That is to say, 200,000 pre-tax income, you can save 1,200 yuan a year of personal tax; and so on, the higher the income, the more tax you can save. If you earn more than $1.02 million a year, you can save $5,400 a year.

An annual income of 96,000 yuan, a monthly salary of 8,000 people, will only be able to save 360 dollars, equivalent to the return on investment is even less than 3%, even lower than the bond fund, in the collection of the time will be deducted 3% back, so the average monthly income of 8,000 yuan or less of the friends in fact, do not have to consider participating in the time being.

Because the personal pension account is characterized by closed accumulation, long-term investment, in addition to retirement and other special circumstances are not allowed to withdraw early, so the assessment of long-term rate of return is more reasonable. Fluctuations in the short-term rate of return on account balances, such as those described above, is a normal phenomenon, but if the cycle is lengthened by up to 20 or 30 years of investment, the long-term return on personal pension accounts is guaranteed."

Data show that the annualized rate of return of the National Social Security Fund in the past 20 years has exceeded 8%, and the annualized rate of return of China's corporate pensions from 2007 to the present has also exceeded 7%. "So the wind is blowing, and people don't need to be too concerned about short-term fluctuations."

Hangzhou, a joint-stock bank account manager believes that: due to each person's risk appetite is different, so we specifically configure what is still different from person to person, the bank will certainly be based on the customer's risk appetite, investment style and so on and then give targeted advice, each bank is bound to come up with a good product to attract customers. "In terms of products, according to different customers' pension goals, our bank will provide a multi-category purchase program covering pension finance, commercial pension insurance, pension public funds and so on."