Personal pension, why haven't you moved yet?
In this fast-paced era, there is a voice that is becoming more and more pronounced among young people: "Retirement? That's a distant thing." The personal pension system, which seems to provide security for future life, has encountered a subtle "cold reception" among young people. Is it the inadequacy of the system, or is it the difference in the concept of young people? Today, let us explore this intriguing topic.
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Imagine you have a seed in your hand and are ready to plant a tree for your future self. This seed is a personal pension, which needs to grow slowly in the soil of time in order to shelter you from the wind and rain in the future. But now, many young people seem to prefer to hold this seed in their hands rather than bury it in the soil.
The data shows that although the number of accounts opened in the personal pension system is large, there are very few people who actually make deposits. This begs the question: what prevents young people from planning for their future selves?
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Some netizens ridiculed: "I may not live to retire, so let's have fun in time." This seemingly joking remark actually reflects the concerns and incomprehension of young people about the personal pension system. They are worried about whether the return on the invested funds will be considerable in the future? Will they be eroded by inflation? Some people even think that the investment fund of the personal pension will still lose money, and it is not as stable as saving their own money.
Let's look at another voice: "Pay pension? Isn't that a pension for capital?" This kind of distrust of the system is also one of the reasons why young people have a wait-and-see attitude towards the personal pension system. In this era of information explosion, with the emergence of various financial products and investment channels, young people do have a lot of confusion about how to plan their future.
Of course, we cannot ignore that the limited amount of individual income tax deduction and the restrictions on the conditions for receiving it also affect the choice of young people to a certain extent. After careful calculation, they found that the same funds, if used for investment and financial management or mortgage repayment, may bring greater returns. This realistic consideration has made many young people stop at the door of their personal pensions.
But then again, is the personal pension system really so unbearable?
Experts pointed out that the limited public awareness and acceptance of this emerging product is one of the reasons for the low enthusiasm for deposits. It's like a gold mine to be discovered, only to be overlooked because of the dust on the surface. In fact, as a long-term and stable investment method, the potential value of the personal pension system cannot be ignored.
Let's think about this from a different perspective. If everyone only values the immediate interests and ignores the future planning, then when we are old, who will provide us with protection? The personal pension system is like an umbrella prepared for the future, although the sky is clear now, no one can guarantee that it will not rain in the future.
In these uncertain times, how should we view the personal pension system, whether it is seen as a burden or an investment in the future?
Perhaps, we need more time to understand and accept this system, or perhaps, we need to think more deeply to plan our future. But in any case, we cannot ignore the fact that the future always belongs to those who are prepared.
So, young you, what are you waiting for? Pick up that seed and plant a tree for your future! Don't wait for the rain to come and remember the umbrella for the future.
Finally, I would like to say to every reader: What do you think about the personal pension system? Is it for or against? Is it a wait-and-see or action? No matter what your choice is, please remember that the future is in your own hands, and you can go further by planning early.