Many neighbors heard that they could receive an extra amount of money for their personal pensions, so they wanted to participate without thinking about anything. However, what are the benefits of participating in a personal pension? Who can participate? Can you choose a bank account at will? How long can you pay to receive it? Do you understand all these questions clearly? If not, read on! Here are all you need to know!
What are the benefits of participating in a personal pension?
1. Get an extra pension
The basic pension insurance we usually pay is the basic pension for retirement in the future. The personal pension is a supplementary pension, you need to open an account to pay, buy products, the principal and income of the account, after retirement like a pension.
If you feel that your basic pension is not enough, you can indeed participate and receive an extra amount of money in retirement.
2. Individual income tax incentives
Currently participating in a personal pension.
If the monthly income is less than 5,000 yuan, there is no need to pay individual income tax, and there is no tax preference;
People with a monthly income of 5,000 yuan to 8,000 yuan can enjoy a 3% tax incentive;
For people with a monthly income of more than 8,000 yuan, they can enjoy 10%~45% tax incentives, and participating in personal pensions and enjoying tax incentives is "making sure you don't lose money".
Therefore, you can choose to participate according to your income!
Who can participate?
1. Who is the participant
Those who have participated in the basic pension insurance and have not yet retired.
2. Participation Methods
(1) Open an account: two accounts need to be opened at the same time, one is a personal pension fund account, which is used to pay and invest in products, and the other is a personal pension account, which is used to receive money when retiring.
(2) Account opening channels: national social insurance public service platform, national human resources and social security government service platform, electronic social security card, "handheld 12333 APP" and other national unified online service portals or commercial banks.
Can I choose to open a bank account and pay the fee at will?
No, participants can either designate their own unique personal pension fund account, or they can pass.
At present, the banks in Guangzhou that are eligible to open personal pension fund accounts are: Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of China, Bank of Communications, Postal Savings Bank, CITIC Bank, Everbright Bank, Huaxia Bank, Minsheng Bank, China Merchants Bank, Industrial Bank, Ping An Bank, Guangfa Bank, Shanghai Pudong Development Bank, Zheshang Bank, Bohai Bank, Hengfeng Bank.
Note: Each city is different, you can understand the relevant products of the bank before opening an account, and then choose after comparison!
How long does it take to claim after participating?
Although there is no requirement for the number of years of payment for personal pensions, you can only receive them after you participate:
1. Reach the basic pension age;
2. Total incapacity to work;
3. Settle abroad (outside the territory);
4. Other circumstances stipulated by the state.
Tips: Participating in a personal pension is equivalent to putting money, and the funds cannot be liquidated until retirement. So everyone should think about this first!
If you want to know more about social security, retirement and other knowledge, welcome to pay attention!