What impact will the implementation of the personal pension system bring?

The implementation of personal pension system will have an impact: the choice of personal pension reserve can avoid the shortage of pension and experience more old-age lifestyles. The main consideration of this system is to further optimize and improve the pension income structure of ordinary people, enhance the stability of income and consumption of the elderly in China, and then enhance their happiness.

? On April 2 1, the General Office of the State Council issued the Opinions on Promoting the Development of Individual Pensions. According to the opinion, the individual pension is subject to the individual account system, and the payment is entirely borne by the insured, with the maximum annual payment of 6.5438+0.2 million yuan. Please click to enter a picture description.

The individual pension shall be subject to the individual account system, and the payment shall be borne by the insured person, and it shall be completely accumulated. The insured can establish a personal pension account through the personal pension information management service platform. Participants can use the paid personal pension to buy financial products in qualified financial institutions or through legal and compliant sales channels, but at the same time bear the corresponding risks. After the insured reaches the age of receiving the basic pension, he completely loses his ability to work. As long as the conditions stipulated by the state are met and verified by the information platform, individual pensions can be received monthly, by stages or at one time. It is worth noting that once the collection method is determined, it cannot be changed.

Personal pension is easy to operate. Just participate in the basic old-age insurance. You must open an account in a designated financial institution and deposit money once a month. Annual payment limit 1.2 million. The account funds are used to purchase financial products such as bank wealth management, savings deposits, commercial endowment insurance and Public Offering of Fund. If you meet the requirements, you can choose independently, enjoy the value-added benefits and bear the corresponding risks. After retirement age, you can extract it monthly, each time, or once.

The advantages of personal pension are:

First, there are personal income tax concessions within a certain amount.

Second, the investment targets are all screened products with relatively low risk, which can give consideration to safety and profitability.

Third, closed account management is adopted, and early withdrawal is not allowed, which is a "shortened term" asset management method.

To sum up, the impact of the implementation of the personal pension system is:

First, we can set up special cash flow for the aged, avoid personal savings being consumed, optimize asset allocation, change single deposit savings and real estate investment, increase stable and safe investment in commercial aged care products, and accumulate personal aged care wealth.

Second, the personal pension system encourages investment in one's future and retirement. It can purposefully plan its retirement goals in advance. Simply put, it is the remaining cash now, and it is planned to the future retirement stage, so that you can plan your consumption and investment well, make long-term plans, and deal with various uncertain retirement risks.