How to treat the "personal pension system" that the country will soon launch?

If social security is fair horizontally, your money is everyone's money and everyone's money is your money. The biggest enemy of this way is human selfishness, a tragedy of the public and moral hazard. Many people want to pay social security according to a lower standard, but when the social security fund is spent, the insured people often don't care much about the security of the social security fund, especially in the field of medical insurance, and there is bonus hunter risk.

Then this personal pension can be understood as an annuity account. Your money is your money, which can be left to future generations at most, or used for support among family members. This way can avoid moral hazard to a certain extent, but it lacks the help of social members.

Generally speaking, this is the embodiment of the diversification of China's pension system. From "national pension" to "national pension+saving money to support the elderly is richer". When economic conditions permit, it is obvious that you should save as much money as possible in your personal pension account and be prepared for investment.