#官方: The annual contribution limit of personal pension is 12,000 #
1985: Family planning is good, the government comes to the pension;
1995: Only one good child, the government to help the pension;
2005: Pension can not rely entirely on the government;
2012: Postpone retirement well, come to the pension yourself;
2013: Housing for the elderly, enjoying the future;
2018: Supporting the elderly is an obligation, and it is shameful to push it to the government; raising children to prevent the elderly, children should fulfill filial piety, throw it to the government management, really don't want to face it;
2020: Giving birth to a baby is a family affair as well as a state affair.
2022: The personal pension system is about to be released
We have reservations about the development and change of the pension insurance slogan, and first analyze and analyze the "opinion".
The various professional terms in the "Opinions on Promoting the Development of Individual Pensions" issued by the State Council were only sparsely learned, and I read them over and over for a long time and learned several important information.
1. Voluntary participation;
2. The personal pension has nothing to do with, does not conflict with, and does not affect the pension in the social security contribution;
3. The amount of individual pension insurance is the full payment of individuals, there is no company and government subsidies, and the upper limit is 12,000 yuan per person / year;
4. Conditions for receiving: one of the conditions for retirement, complete incapacity to work, and going abroad (border) to settle down.
5. After the death of the insured, the funds in the personal pension fund account can be inherited.
Personal pension means that the government encourages individuals to deposit a part of their salary into a personal pension account, and the amount in this account can choose some eligible pension financial wealth management products to invest and accumulate pension funds according to their own risk and return characteristics. Essentially a semi-financial wealth management product, the current money is saved, spent in retirement, and earned during this period.
Why establish a personal pension system?
In Xiao Ge's view, the essential reason is the pressure of pension payment brought about by aging. Although the current stock of social security funds exceeds 6 trillion yuan, more and more provinces cannot make ends meet, and 6 trillion yuan will not take long.
The current pension situation is actually facing a severe test, but most people have not yet reached retirement age and do not feel this crisis. The mainland has entered an aging society, there are too many people who need to receive money, and pension expenditure has increased significantly.
According to statistics, the elderly population over the age of 60 has exceeded 230 million, accounting for 16.7% of the total population, of which the elderly population over the age of 65 has exceeded 150 million, accounting for 10.8% of the total population.
The mainland has not only entered the age of old age, but also the era of longevity. Life expectancy has reached 79 years, and life expectancy will be longer in the future.
At present, the national average of 2.8 adults support an elderly person, and 23 of the 31 provinces and cities on the mainland are lower than the national average.
According to the current pension system, part of the pension paid by young people is paid to the current elderly, and the other part is accumulated for their own future pension.
However, in the process of actually paying pensions in China, the pay-as-you-go pension is becoming less and less sufficient, and it is necessary to use the part of personal accumulation to fill the funding gap, and then the money in the pension pool is getting less and less.
What are the advantages of establishing a personal pension system compared to saving money yourself?
1. Can enjoy tax incentives
Deposited in the officially managed personal pension account, during the working period of the payment to the account on time, the state to a certain amount of contributions to give tax preferences, in the personal taxable income to be deducted, this part of the payment is temporarily exempted from personal income tax.
That is to say, when we are young, we are encouraged to save a fixed amount of pension money for ourselves every month, which has a professional team to help us invest and earn income, and depositing money into this pension account can also allow us to pay less tax.
2. Realize the special use of special funds
The personal pension account adopts the principle of voluntariness, willing to open it, but once the account has deposited money, there is no other special reason, it can only wait until the retirement age to receive and use.
Usually save money by yourself, although you have repeatedly advised and forced yourself not to move the pension money, it is difficult to ensure that the money will not be embezzled, but the mandatory attributes of the personal pension account can ensure that the amount is not misappropriated, and the special funds are realized.
3. It is conducive to the accumulation of pension wealth
It was learned that data show that 65% of the current asset allocation of mainland residents is non-financial assets such as real estate, and only 35% is financial assets (deposits, stocks, funds, insurance, pensions, etc.). Most of the financial assets are bank deposits, and the vast majority are bank deposits with a maturity of less than one year.
The personal pension account can transfer part of the bank deposits, and then put the funds into the officially recognized professional institutions for investment management, and because the personal pension account can only be received after retirement, the funds inside can be used for long-term investment, and to a certain extent, the income will be higher than that of their own savings.
As for whether the value is worth it, there are actually two parameters worth referencing:
1) How high is the average annual yield of pension operations, the level of operation team and moral hazard;
2) What is expected of the future inflation rate. This kind of semi-marketized pension is actually a long-term low-risk investment, but also follows the law of liquidity preference, if the investment blockade period is longer, according to the reason to give a higher return than the short-term, but also to eliminate the impact of long-term inflation, of course, this is just a way to think about the problem, specifically need the reader to decide whether to invest according to the actual needs.
At present, the policy has not yet come down, rational discussion, as to whether to pay, let's wait and see.