领退休金无需缴纳个人所得税（服务窗）

Core Points - The recent discussion around the taxation of personal pensions has raised questions about why taxes are applied when receiving pensions in the future [1] - Basic pensions, which are monthly retirement benefits, are exempt from personal income tax according to the relevant tax laws [1] - Personal pensions, introduced in 2022, are a voluntary, market-oriented supplementary pension system that allows for tax deductions during contributions and a minimal tax rate upon withdrawal [1][2] Group 1 - Basic pensions are part of the first pillar of China's pension system, funded by both employers and employees, and are not subject to personal income tax [1] - The personal pension system is the third pillar of the pension framework, with an annual contribution limit of 12,000 yuan, and offers tax benefits during contributions and a 3% tax rate upon withdrawal [1][2] - The funds in personal pension accounts can be invested in various financial products, and participants can choose how to withdraw their pensions once they reach the eligible age [2]